vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-20 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: MD

Complaint narrative:
[ Experian / Equifax XXXX TransUnion ] Subject : URGENT Formal Dispute of Inaccurate Reporting on XXXX  XXXX Account Dear Experian/Equifax/TransUnion I XXXX writing to dispute multiple inaccurate and harmful entries related to my XXXX  XXXX credit card account, listed as follows : - Creditor : XXXX  XXXX - Account Number XXXX - Date Opened : XX/XX/XXXX - Credit Limit : {$300.00} Highest balance : {$430.00} - Status Updated : XX/XX/XXXX - Currently Reporting as Open Inaccurate Late Payment Reporting : XXXX  XXXX is reporting the following false delinquencies, even though I have made every payment on time : - 30 Days Late : XX/XX/XXXX, XX/XX/XXXX - 60 Days Late : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - 90 Days Late : XX/XX/XXXX The above information is absolutely inaccurate and damaging. These lates never occurred and are a violation of : - FCRA ( 15 U.S.C. 1681i ) failure to maintain accurate reporting - XXXX  XXXX current as of XX/XX/XXXX, and in accommodation, account should remain current - XXXX XXXX XXXX XXXX XXXX XXXX violates required delinquency sequence logic Status Updated Proof of Continuing Violation : The account shows it was updated in XX/XX/XXXX, yet the false information remains. This shows XXXX XXXX had a clear opportunity to correct these errors and instead continued to report knowingly false information, triggering a new FCRA violation. 

Do Not Insert ND ( No Data ) : I am aware that furnishers and bureaus sometimes insert ND to avoid proper reinvestigation. Let this serve as formal notice that I will escalate to the CFPB and FTC if any attempt is made to alter or suppress valid history using ND or blank data entries. This will be documented as willful noncompliance. 

Highest Balance Reporting Error : XXXX  XXXX is also reporting a Highest Balance of {$430.00}, while my credit limit is only {$300.00}. That is not possible without either over-limit mismanagement or reporting fraud. This artificially inflates my utilization and misleads any lender reviewing my file. 

This violates : - FCRA 1681s-2 ( a ) ( 1 ) ( A ) furnishers must report complete and accurate data - Metro 2 the highest balance must reflect actual, permissible usage within the set credit limit Requested XXXX :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: MD

Complaint narrative:
[ Experian / Equifax XXXX TransUnion ] Subject : URGENT Formal Dispute of Inaccurate Reporting on XXXX  XXXX Account Dear Experian/Equifax/TransUnion I XXXX writing to dispute multiple inaccurate and harmful entries related to my XXXX  XXXX credit card account, listed as follows : - Creditor : XXXX  XXXX - Account Number XXXX - Date Opened : XX/XX/XXXX - Credit Limit : {$300.00} Highest balance : {$430.00} - Status Updated : XX/XX/XXXX - Currently Reporting as Open Inaccurate Late Payment Reporting : XXXX  XXXX is reporting the following false delinquencies, even though I have made every payment on time : - 30 Days Late : XX/XX/XXXX, XX/XX/XXXX - 60 Days Late : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - 90 Days Late : XX/XX/XXXX The above information is absolutely inaccurate and damaging. These lates never occurred and are a violation of : - FCRA ( 15 U.S.C. 1681i ) failure to maintain accurate reporting - XXXX  XXXX current as of XX/XX/XXXX, and in accommodation, account should remain current - XXXX XXXX XXXX XXXX XXXX XXXX violates required delinquency sequence logic Status Updated Proof of Continuing Violation : The account shows it was updated in XX/XX/XXXX, yet the false information remains. This shows XXXX XXXX had a clear opportunity to correct these errors and instead continued to report knowingly false information, triggering a new FCRA violation. 

Do Not Insert ND ( No Data ) : I am aware that furnishers and bureaus sometimes insert ND to avoid proper reinvestigation. Let this serve as formal notice that I will escalate to the CFPB and FTC if any attempt is made to alter or suppress valid history using ND or blank data entries. This will be documented as willful noncompliance. 

Highest Balance Reporting Error : XXXX  XXXX is also reporting a Highest Balance of {$430.00}, while my credit limit is only {$300.00}. That is not possible without either over-limit mismanagement or reporting fraud. This artificially inflates my utilization and misleads any lender reviewing my file. 

This violates : - FCRA 1681s-2 ( a ) ( 1 ) ( A ) furnishers must report complete and accurate data - Metro 2 the highest balance must reflect actual, permissible usage within the set credit limit Requested 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 2025-06-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-06-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
on or about XX/XX/year> while checking my credit reports I discovered credit account in the amount of {$4200.00} with payments of {$150.00} which I had no knowledge. On XX/XX/year> I wrote the issuer of said account explaining that I did not open it and that I was unaware of the accounts existence or how payments were being made on it. I request documentation regarding the opening of the account, authorized users and banking institution ( XXXX ) from which payments were being made. I wrote again in XXXX and XXXX XXXX never received any correspondence until I received a notice from XXXX XXXX XXXX XXXX XXXX stating they had purchased this account from Synchrony Bank/ Paypal Credit XXXX I wrote XXXX XXXX XXXX XXXX explaining the account was not mine and that it was created by an act of fraud/Identity theft. Come XXXX XXXX I return from vacation and find a notice of suit taped to my door. Cause No. XXXX filed In The Justice of The Peace court, Precinct XXXX, XXXX XXXX, TX. I have retained the XXXX XXXX of XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX. who filed a counter suit on my behalf on 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 2025-06-20 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: FL

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

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 2025-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOFI TECHNOLOGIES, INC.
State: MT

Complaint narrative:
On XX/XX/year>, my XXXX  deposited her paycheck via mobile deposit to SoFi Bank. SoFi immediately placed an extended hold on the funds, releasing only {$500.00} while holding {$1200.00} for over a week. When I contacted customer service on XX/XX/XXXX, representatives confirmed the check had been " reviewed and approved '' by their internal team, meaning SoFi had verified the funds were legitimate and collectible. Despite this approval, SoFi refused to release the remaining funds until XX/XX/XXXX, citing various contradictory reasons including " internal review, '' " fund collection, '' and referencing an automated email timeline that I never agreed to as a binding contract. SoFi 's ability to immediately release {$500.00} proves they can release funds when they choose to, making their extended hold of approved funds arbitrary and profit-driven. This appears to be a systematic practice of earning interest on customer deposits while using fake " processing '' timelines to maximize their profit at customers ' expense. I request investigation into SoFi 's hold practices and immediate release of my approved funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXN XXXX Credit ( {$370.00} ) Cease and Desist Request I am writing to formally request that you cease all communication with me regarding the alleged debt associated with the above-referenced account. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C 1692c ( c ). I am exercising my right to demand that you stop all contact about this matter. This letter does not serve as an acknowledgement of the debt or an admission of any liability., Additionally, it you have not already provided verification of this alleged debt. I request that you do so in accordance with15 U.S.C. 1692g ( b ) Please be advised that if you to comply with this request. I will not hesitate to report your conduct to the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ) and my state Attorney General 's Office Thank you for your immediate attention to this matter 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 2025-06-20 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: NC

Complaint narrative:
XXXX BXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( {$370.00} ) Cease and Desist Request I am writing to formally request that you cease all communication with me regarding the alleged debt associated with the above-referenced account. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C 1692c ( c ). I am exercising my right to demand that you stop all contact about this matter. This letter does not serve as an acknowledgement of the debt or an admission of any liability., Additionally, it you have not already provided verification of this alleged debt. I request that you do so in accordance with15 U.S.C. 1692g ( b ) Please be advised that if you to comply with this request. I will not hesitate to report your conduct to the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ) and my state Attorney General 's Office Thank you for your immediate attention to this matter Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TX

Complaint narrative:
Re : Dispute XXXX Instant Car Fix {$130.00} On XXXX XXXX I was charged {$130.00} by Instant Car Fix for their promise of providing reputable and accurate mechanic services performed by only certified, knowledgeable employees. The reality of what I received was the exact opposite, in that this company sent out an individual who gave no advanced notification of his arrival, showed no credential 's, possessed no tools to perform basic mechanical tasks, had no means to determine fault codes to assist with diagnoses- all of which resulted in a bogus diagnoses. The diagnosis was that my engine problem was a motor mount and valve gaskets needed to be replaced. The actual problem was that my engine had thrown a rod and needed to be replaced! What good would either of those fixes have done to an engine that was already ruined. I was charged {$130.00} for someones guessing game, instead of a reputable and accurate look at why I contracted with the service to begin with. They have a guarantee on their work! Why then, does Chime deny my claim for reimbursement of hard earned money paid to a company who delivers nothing it promises.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Synovus Bank
State: CA

Complaint narrative:
I opened a secure account with this company for the amount of {$1000.00}. The highest balance on the account was {$250.00}. I never received the remaining amount after the account was closed. I am entitled to receive my security deposit if it wasnt used. The company said they mailed a check but I never received anything from them and its nothing on record saying I cashed a check.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-20 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: NY

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-06-20 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: MI

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC
State: NC

Complaint narrative:
ACIMA DIGITAL FKA SIMP is falsely reporting on my credit. I have never had any accounts with them. Per my research ACIMA DIGITAL FKA SIMP is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX Account # : XXXX XXXX. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly.

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data.

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

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 2025-06-20 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: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX MI XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1700.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$390.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
The bankruptcy appear to be unauthorized and may indicate fraudulent activity, as I was not aware of them. Kindly take prompt steps to correct this issue. Supporting documents are attached for reference.

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