vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-24 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: TX

Complaint narrative:
ACCORDING TO XXXX XXXX XXXX - EXPERIAN, EQUIFAX, AND TRANSUNION HAVE XXXX  DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 




XXXX XXXX  # XXXX UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX FACTUAL DATA XX/XX/XXXX XXXXXXXX XXXX  XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish any account without my written instructions XXXX XXXX XXXXXXXX. ( a ) ( XXXX ) 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 XXXX years. 

XXXXXXXX XXXX XXXXXXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 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: IL

Complaint narrative:
Please note the above referenced accounts were opened FRAUDULENTLY ; as a result of Identity Theft. My information was compromised & fraudulently used without my permission. My name, social security number, along with fake addresses, emails & phone numbers were also fraudulently used by the fraudster ( 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 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

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.

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 XXXX 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 2025-05-24 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I previously filed a complaint regarding my CareCredit ( Synchrony Bank ) account being closed without notice while I was actively making payments.

Synchrony responded stating that the account is still open. However, on my XXXX  credit report ( updated XX/XX/year> ), the account is clearly marked as : Closed Balance owed : {$2800.00} Status : Closed/Never late This contradiction is damaging my credit score because the account is being treated as a closed account with a balance which increases my credit utilization and decreases my available credit. 

I am continuing to make payments and have never been late. The account should either be : Corrected to reflect Open/In Good Standing, Or removed entirely for inaccurate and misleading reporting. 

Synchronys internal status and the information on my credit report do not match, which violates the accuracy requirements of the Fair Credit Reporting Act ( FCRA ).

I am asking for the CFPB to reopen the investigation, escalate this concern, and assist in correcting this reporting error.

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 2025-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
The company harrassing me is XXXX XXXX XXXX. They are reaching out to me on a debt they say I owe to Barclay Bank. A settlement agreement was reached with Barclay Bank in XX/XX/XXXX. The Barclay Bank settlement agreement was paid in full in XX/XX/XXXX. The payments were made to XXXX XXXX XXXX XXXX ( authorized representative ) for Barclays Bank Delaware. This settlement agreement was done through XXXX XXXX XXXX in XXXX XXXX, XXXX. 

XXXX XXXX XXXX states that they sent me a letter back in XX/XX/XXXX regarding this debt which I did not receive. They call me daily ( XXXX XXXX XXXX ) ( XXXX ) because I did not respond to this so-called letter they sent. The calls started on XXXX, XX/XX/XXXX and continue to this day. 

I do not like being harrassed by this company and need this madness to stop!! 

Thank you in advance for any help you can provide me in this matter.

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 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The Delinquency First Reported has been unlawfully changed, RE AGED, on the accounts listed below, thus affecting my credit score. According to FCRA Law 607, I am due a proper and accurate report of my Credit Score. FCRA Law 611 states I am allowed a Reinvestigation and if there is Inaccurate information, the Credit Bureau is to PROMPLTY DELETE THE ITEM. I am demanding these accounts listed below be Deleted Immediately From My Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Due to the SEVERITY of this, if the accounts listed are not removed I will seek legal counsel to take this matter to court. Re Aging accounts is highly illegal and immoral.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filing a complaint against Cash App ( Block Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: FL

Complaint narrative:
Company never sent an initial letter to disclose the debt and the right to dispute, I disputed with the credit Company and requested debt verification i got nothing. the company keep reporting to my credit file missing payments every month which is not allowed under collections account since there is no payment agreements.

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 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: DC

Complaint narrative:
Navient reported that I was late with payments in XXXX when my loans were transferred in XXXX. I have filed numerous complaints but they wont update my credit report accurately. This will be my last attempt prior to getting an attorney involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Please check the information concerning the Equifax data breach below in attachments

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Opportunity Financial, LLC
State: AL

Complaint narrative:
I had a loan for XXXX USD. I was told there were no late fees. I went into hospital and missed 1 payment, the interest began to accrue daily. Once out of hospital, my principle was above the amount borrowed and interest was additionally accruing and is at {$6.00} daily until it is caught up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: DApps Platform, Inc.
State: WA

Complaint narrative:
Fraudulent use of personal information to facilitate fraudulent transactions

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
On XX/XX/year>, I was looking for someone to code something small for a video game on XXXX. I found a developer who then asked to move the transaction off-platform to XXXX. They convinced me to send {$25.00} USD via PayPal to complete a small software job. I originally intended to use Goods & Services for the transaction, but they insisted that Friends & Family would be faster and help them avoid delays or fees. I now realize this was part of their scam tactic. 

After I sent the payment, they made excuses about needing more money to unlock premium methods, never delivered the work, and eventually stopped responding entirely. I believe this person used deception to bypass buyer protections. 

I have attached screenshots of our conversation and the payment record. I am requesting your help to recover the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: EQUIFAX, INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX Dear Sir or Madam : I am writing to dispute the following information in my file. The items I dispute are also encircled on the attached copy of the report I received. ( Identify item ( s ) disputed by name of source, such as creditors and identify type of item, such as credit account, judgment, etc. ) This item is ( inaccurate or incomplete ) because ( describe what is inaccurate or incomplete and why ). I am requesting that the item be deleted ( or request another specific change ) to correct the information. 

Enclosed are copies of ( use this sentence if applicable and describe any enclosed documentation, such as payment records, court documents ) supporting my position. Please reinvestigate this ( these ) matter ( s ) and ( delete or correct ) the disputed item ( s ) as soon as possible. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX Dear Sir or Madam : I am writing to dispute the following information in my file. The items I dispute are also encircled on the attached copy of the report I received. ( Identify item ( s ) disputed by name of source, such as creditors and identify type of item, such as credit account, judgment, etc. ) This item is ( inaccurate or incomplete ) because ( describe what is inaccurate or incomplete and why ). I am requesting that the item be deleted ( or request another specific change ) to correct the information. 

Enclosed are copies of ( use this sentence if applicable and describe any enclosed documentation, such as payment records, court documents ) supporting my position. Please reinvestigate this ( these ) matter ( s ) and ( delete or correct ) the disputed item ( s ) as soon as possible. 

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 explanation
Consumer complaint received 2025-05-24 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: IL

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had three late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks!

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 2025-05-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am filing this complaint due to continued violations of the Fair Credit Reporting Act ( FCRA ) by multiple nationwide credit reporting agencies ( Equifax, Experian, and TransUnion ). My credit reports across all XXXX bureaus are populated with a long list of residential addresses that are false, never associated with me, and appear to indicate either serious data errors or identity theft. These include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These incorrect addresses have remained on my file even after submitting prior disputes. I have not lived at or been associated with any of these properties. I believe this indicates either negligence in address verification or potential mixed file issues. 

Additionally, my credit files show inaccurate and/or unverified financial data, including : Charge-offs ( XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Late payments ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Collections accounts I do not recognize or authorize ( XXXX  XXXX XXXX, XXXX XXXX ) Several unauthorized or uninitiated hard inquiries are also listed, including those from : XXXX XXXX XXXXXXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX ) These inquiries were not approved by me, and there is no evidence of a permissible purpose under 15 U.S.C. 1681b. I am concerned that this may indicate fraudulent activity or misuse of my consumer report. 

What I Want to Happen : I am requesting immediate and complete removal of all incorrect addresses, unverifiable negative accounts, and unauthorized hard inquiries from all XXXX  credit reporting agencies. I am also requesting written confirmation that a proper reinvestigation under 15 U.S.C. 1681i has been conducted in each case. Should the furnishers or bureaus fail to validate these entries with documentary evidence, they must be deleted per federal law. 

Please ensure the agencies involved are held accountable for failing to maintain accurate consumer records and for their noncompliance with XXXX procedures. The emotional distress, credit denials, and time lost to these persistent inaccuracies have caused me measurable harm.

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 2025-05-24 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: IL

Complaint narrative:
I am filing this complaint due to continued violations of the Fair Credit Reporting Act ( FCRA ) by multiple nationwide credit reporting agencies ( Equifax, Experian, and TransUnion ). My credit reports across all XXXX bureaus are populated with a long list of residential addresses that are false, never associated with me, and appear to indicate either serious data errors or identity theft. These include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These incorrect addresses have remained on my file even after submitting prior disputes. I have not lived at or been associated with any of these properties. I believe this indicates either negligence in address verification or potential mixed file issues. 

Additionally, my credit files show inaccurate and/or unverified financial data, including : Charge-offs ( XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Late payments ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Collections accounts I do not recognize or authorize ( XXXX  XXXX XXXX, XXXX XXXX ) Several unauthorized or uninitiated hard inquiries are also listed, including those from : XXXX XXXX XXXXXXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX ) These inquiries were not approved by me, and there is no evidence of a permissible purpose under 15 U.S.C. 1681b. I am concerned that this may indicate fraudulent activity or misuse of my consumer report. 

What I Want to Happen : I am requesting immediate and complete removal of all incorrect addresses, unverifiable negative accounts, and unauthorized hard inquiries from all XXXX  credit reporting agencies. I am also requesting written confirmation that a proper reinvestigation under 15 U.S.C. 1681i has been conducted in each case. Should the furnishers or bureaus fail to validate these entries with documentary evidence, they must be deleted per federal law. 

Please ensure the agencies involved are held accountable for failing to maintain accurate consumer records and for their noncompliance with XXXX procedures. The emotional distress, credit denials, and time lost to these persistent inaccuracies have caused me measurable harm.

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 2025-05-24 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
On XX/XX/year>, there were credit card transactions that were made without our consent. Bank of America declined the transactions after the first XXXX transactions and sent an app notification about them. At this time, we selected fraud and they issued a new credit card. On the first XXXX transactions, we submitted a fraud claim immediately, as we did not purchase anything. XXXX of the XXXX claims were from the same company and were denied ( {$130.00} and {$120.00}, totaling {$260.00} ), despite them happening the same date as the other denied transactions. We got product delivered to us, so we reached out to the company XXXX XXXX, but because we had a fraud claim on them, they wouldn't take the merchandise back. Once BoA determined there was no error, we reached back out to them and asked them to reopen the claim. On XX/XX/year>, they updated the claim and said because the merchandise was recieved, because it wasn't an error. 

We can not help that our credit card information was stolen and based on the declined transactions and our swift response, Bank of America should have helped us get our money back.

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