vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I purchased a refrigerator ( fridgidare ) from XXXX 's on Monday, XX/XX/XXXX. Within just three months, the refrigerator began to leak. Despite having a three-year warranty, the condition of the fridge continued to worsen until it completely stopped working ; it no longer turns on and does not function at all. After it shut down, I contacted XXXX 's multiple times through their customer service. I was repeatedly redirected to their representatives with no resolution, and it felt as if they were avoiding the issue. Eventually, XXXX 's scheduled a repair appointment, but the technician arrived abruptly with no notice or confirmation of the appointment time. This caused a disruption and showed disregard for my schedule. One of the other times I booked an appointment and received confirmation, the technicians did not show up. Due to the ongoing issues and lack of customer service, I decided to take them to a small claims court, but the judge seemed not to understand the severity and financial impact of the situation. In addition, I also purchased a stove from XXXX 's on XX/XX/XXXX, for XXXX. The stove was completely fine until it started to smoke up, and several of the burners decided to abruptly shut down. The technician came for the furnace, but the technician said they can only fix the burner and not the smoke coming up from the stove. Given that the stove is malfunctioning and may be considered unsafe, I declined the repair and requested a refund instead. XXXX 's legal team claimed they'll only give me {$1400.00} for the fridge and {$400.00} for the stove, even though the fridge was purchased for over {$2000.00} and the stove for over {$1500.00}. This does not compensate me fairly and does not fully resolve the problems I have experienced with both appliances and their failed service attempts. I am seeking a full refund for both the refrigerator and the stove, along with compensation for the time lost, inconvenience caused, and lack of proper service, and reimbursement for the food that got spoiled. I believe that XXXX 's sold us a refurbished items as a new appliance price, which is 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 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX failed to provide proper written notice as required under : Uniform Commercial Code ( UCC ) 9-611 to 9-614 : No Notice of Intent to Sell or post-sale accounting was provided, which deprived me of my legal right to redeem the vehicle or understand the sale terms.After repossession and sale of the vehicle, XXXX XXXX company is still reporting the full original balance on my credit report, failing to account for the amount recovered from the sale.This is a direct violation of : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Furnishers must not report information that they know or should know is inaccurate or incomplete.

FCRA 623 ( b ) : Once a dispute is filed, you are required to investigate and delete any inaccurate information. Reporting a full balance post-sale is not only inaccurate but materially misleading.

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 2025-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: MO

Complaint narrative:
I had cash app for years. Wasn't doing anything wrong or illegal. Woke up one morning and they had closed it. Asked them why and all I got was a copy of their terms. Which I didn't violate any of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
Product Credit card Issue Charged for a service I never received Company CitibankXXXX XXXX XXXX What Happen : I purchased an airline ticket with XXXX  using my Citibank credit card on XX/XX/XXXX, for a flight scheduled on XX/XX/XXXX. Despite arriving at the gate before the close of boarding, my travel companion and I were denied boarding. The gate agent had already given our seats to standby passengers. We were stranded, had to rebook flights at over triple the cost, and lost three days of our trip. 

XXXX initially told us we were marked as a no-show. Later, they contradicted that by stating we did, in fact, arrive on time but were denied boarding because baggage check had closed. This explanation also does not apply, as we had already paid for our bags and only had carry-on luggage. These conflicting messages, all from official XXXX communications ( which we have saved ), show a clear unwillingness by the airline to take responsibility for their mistake. Instead of offering a resolution, XXXX repeatedly referred us back to Citibank and failed to honor the refund they promised. 

We were told by XXXX that a full refund, including baggage fees, would be issued within 90 days. Trusting their word, we waited until XX/XX/XXXX, but never received the refund. 

Meanwhile, I had paid for XXXX carry-on bags on XX/XX/XXXX, using a separate XXXX XXXX XXXXXXXX credit card one for {$100.00} and the other for {$66.00}. After XXXX continued to delay, I submitted a dispute to XXXX  XXXX XXXX on XX/XX/XXXX. Bank XXXX XXXX reviewed the case and credited the full amount, recognizing that the service was never rendered. 

In contrast, when I submitted a dispute to Citibank on XX/XX/XXXX, I followed all instructions, mailed documentation twice, and waited monthsonly for the bank to deny my dispute on XX/XX/XXXX, citing that too much time had passed since the original billing date. I was never told up front that the dispute might be rejected regardless of evidence or XXXX  delay. A Citibank supervisor eventually offered a {$130.00} goodwill credit, stating XXXX had not responded to them. 

XXXX later issued an incorrect refund of {$64.00} instead of the promised {$600.00}. I am still owed {$540.00}, and it is unacceptable that Citibank has refused to resolve this, while XXXX  XXXX XXXX honored their dispute process correctly. I am requesting a full review and reimbursement of the remaining balance owed to me.

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
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to formally dispute inaccurate and outdated information being reported on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq. The account in question is : Creditor Name : XXXX XXXX. 
Account Number : XXXX Original Balance : {$210.00} Reported Status : Charged-off, {$78.00} written off, {$31.00} past due Last Payment Date : XX/XX/XXXX Closed Date : XX/XX/XXXX XXXX Potentially Negative Months Reported Grounds for Dispute : Inaccurate Reporting of Charge-Off and Past Due Amount The status reflects a charge-off and continued past-due amount of {$31.00}, which is inconsistent. An account can not remain delinquent once it is charged offcontinuing to report a " past due '' balance on a charged-off account is misleading and possibly inaccurate under FCRA 1681s-2.

Potential Re-Aging or Improper Payment History The payment history reflects 14 consecutive negative months, yet the account was only opened on XX/XX/XXXX. This appears to exaggerate the delinquency period and may violate FCRA rules against re-aging or misreporting payment timelines.

Failure to Update Accurate Status The last payment was made on XX/XX/XXXX, but the balance was not updated until XX/XX/XXXX. This time gap calls into question whether XXXX is furnishing timely and accurate information, in violation of 1681s-2 ( a ) ( 2 ).

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 2025-06-24 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: GA

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 explanation
Consumer complaint received 2025-06-24 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: MD

Complaint narrative:
Upon reviewing my Consumer Reports, I found some instances of late payments on several accounts for which I have always made timely payments. Consumer Reporting Agencies play a vital role in accurately reporting consumer information, and this information must be reported with the highest accuracy. I have never missed a payment on the accounts listed below. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If you can not provide such proof, I demand that these payments be promptly corrected to reflect their true on-time status, as I have consistently met my payment obligations without delay. 

Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am submitting this complaint to request that the CFPB assist in ensuring EXPERIAN honors my dispute and complies with its legal responsibilities under the Fair Credit Reporting Act. I have previously submitted a detailed dispute letter identifying numerous reporting issues detailed in the letter attached as well as the new information being disputed for each account. I also requested the full description of the investigation procedures under 15 U.S.C. 1681i ( a ) ( 7 ). In support of this complaint, I have attached the dispute letter along with the source of disputed information which is the EXPERIAN Report for proper documentation. I am not disputing ownership of the accounts, I am disputing the accuracy and completeness of every individual item I identified. This CFPB complaint also serves as formal documentation in case EXPERIAN delays or refuses to fully reinvestigate.

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 2025-06-24 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: SC

Complaint narrative:
Equifax is reporting inaccurate payment history for my XXXX XXXX XXXX account. While Equifax properly shows the account as closed with a {$0.00} balance, it continues to report two late payments that damage my payment history percentage. 
Since the account is closed/ charged off and part of ongoing legal proceedings ( XXXX XXXX XXXX XXXX XXXX XXXX  ), these late payments no longer reflect the true status and unfairly harm my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Synergetic Communication Inc
State: TX

Complaint narrative:
I sent an initial complaint dated XX/XX/year> notifying them of the inaccurate information that is be reported differently across XXXX  and XXXX. They ( Synergetic Communications ) received that letter with a certified returned receipt on XX/XX/year>. Their response was a dismissing response that all is well and they are reporting out accurately. I hope they cure the deficiencies by fixing or removing the inaccurate items as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: FL

Complaint narrative:
I am formally disputing for a 2nd time for the rental debt XXXX XXXX has claimed I owe and reported to your collection company, which is now being pursued by your agency. The amount is incorrect supported, and I am including documentation to prove that I do not owe the adjusted amount. 

Signed Move-In Inspection ( XX/XX/year>XXXX  ) : Notes extensive pre-existing damage ( chipped paint, mildew, screen damage, broken gutter, dirty conditions ) Move-Out Videos/Photos : Show property was left the same way when I moved in, orderly condition, with no damage beyond normal wear and tear Email from XXXX Homes Showing XXXX Balance and Official Ledger confirming no rent was past due Copy of Lease Agreement Florida Residential Tenant Rights Summary : Clarifies I can not be held liable for repairs due to landlord neglect or normal wear and tear According to Florida Statute 83.49 and basic lease law : Tenants can not be charged for pre-existing issues, which I documented in detail. 
Charges for full repainting, landscaping, mildew cleaning, cabinet repair are unlawful if not caused by the tenant. 
Normal wear and tear is not chargeable and repainting entire walls, replacing aging fixtures, or cosmetic repairs are landlord responsibilities. 

By charging me for these unjustified repairs and reporting this debt to collections, XXXX XXXX has violated my legal tenant rights and caused harm to my credit and reputation. I also, included videos from my inspection and after moving out. 

The majority of the items charged were clearly pre-existing and documented in my official, signed move-in inspection. 
Florida law ( 83.49 ) does not allow landlords to charge for normal wear and tear or undocumented damage. Please review the supported documentation.

Unable to attach videos if needed please fill free to email me at XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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, XX/XX/XXXXXXXX  This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-06-24 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the ( Experian ) 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. I am filing this FTC Identity Theft Affidavit to report 5 fraudulent account ( s ) appearing on my consumer FICO XXXX  and Experian credit reports which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a Credit Card opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
All accounts above, collections, late payments, and charge-offs result from 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. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Re : SWORN STATEMENT DISPUTE Full Name : XXXX XXXX XXXX Social Security # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth : XXXX XXXX XXXX XXXX Current Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX GA Legal Department, This credit dispute is being submitted as a new evidence dispute . The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues. 

It is my sworn statement that, I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621.

The trade lines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these account without my knowledge or authorization, my personal information has been used to obtain goods, services, or money and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, Which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 



PLEASE DELTLE AND BLOCK NO LATER THAN 5 BUSINESS DAYS

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