vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-06 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: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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 concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: PR

Complaint narrative:
In XXXX, I made an erroneous payment of {$510.00} to my Rooms To Go ( Synchrony Bank ) credit card, but my balance was zero. I was told they would send me a check, which I didn't receive due to and address error. They said they would cancel it and send me new one. That check was received in XXXX. However, in XXXX, I see a charge for {$510.00} plus interest, as if I had received XXXX checks, which I hadn't. I only received and deposited one. I've called several times, and they continue to charge me, and they haven't resolved the issue. I request that these charges be removed immediately and my account corrected. 

I sent e certified letter to help resolved this issue, I have not received e respond.

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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: TN

Complaint narrative:
I am writing to dispute a derogatory account on my credit report that has been reinserted multiple times without proper notice, which violates the Fair Credit Reporting Act ( FCRA ). 
Account Details Creditor : XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$73000.00} This account was previously removed but keeps showing back up on my report. FCRA Section 611 ( a ) ( 5 ) ( B ) requires that you notify me in writing within 5 days of any reinsertion. I did not receive any notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXXXXXX XXXX XXXXXXXX - Date Opened XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. There are also a couple fraudulent inquiries at XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX on XX/XX/XXXX, appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent inquiries. I do not recognize the aforementioned inquiries as reported. The aforementioned inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. There are also inaccurate addresses reporting that are not and have not been associated with me. The inaccurate addresses are ; XXXX XXXX XXXX, XXXX, KS XXXX, and XXXX XXXX XXXX XXXX, XXXX, KS XXXX XXXX The aforementioned accounts 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 hard inquiries are the result of identity theft and fraud. I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the Experian credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address 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 2025-08-06 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Recieved a letter today XX/XX/25 that my account is being closed and the reason is due to the following : Too Many Revolving Accounts With High Balance Compared To Credit Limit - Yes I have other accounts with some high balances buy I never exceed my credit limits and Synchrony Bank has no right to judge me based on other accounts as I pay all my creditors on time with excellent payment history and XXXX negative history. Also Synchrony bank has no idea how much income I have nor my current financial status and should not be able to judge myself or other consumers by closing accounts because of this. 

Lack Of Real Estate Secured Loan Information - Ok this one is ridiculous as Real Estate has nothing to do with my Synchrony accounts and is none of thier business what my status is for Real Estate. 

Too Many Delinquent Or Derogatory Accounts - I have XXXX delinquent accounts and no deragatory accounts or history. This is a false statement and I and any other consumer should not be subject to this nonsense. 

Not Enough Balance Paid Down Over Time On Retail Accounts- This is false statement as I make all my minimum and some account more than minimum payments each month and all my creditors including Synchrony are auto payments directly from my XXXX checking account. Myself and any other consumers should not be subject to this nonsense as some consumers can not afford to pay more than the minimum monthly payment for the outstanding balances. Synchrony and all other creditors set the minimum payment monthly and as long as I and other consumers follow that and make those minimum monthly agreed to payments then there should be XXXX question or judgement from any banks that enough balance has been paid down over time. 

I think that this is unprofessional and inhumane as a Bank like Synchrony to unfairly judge consumers when I and others are making the minimum requirements to pay down the balances on the accounts in question like XXXX XXXX XXXX and then sending a letter to I and other consumers that they are closing account due to the unprofessional and unfair ridiculous reasons and decisions. 

I have worked XXXX years and make over XXXX annually and support XXXX people in my household and am a hard working born and raised XXXX XXXX and should not be subjected to this ridiculous actions. 

There should be a federal law that prohibits Creditors and Banks from taking these actions against XXXX consumers if they are fullfilling thier obligations and making thier payments on time and have XXXX negative history. Also Creditors and Banks should not be allowed to judge consumers based out outside other Creditors or Banks as they don't have anything to do with the XXXX or Bank in question for this complaint.

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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: MD

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$35.00} INQUIRIES : XXXX Date XXXX XXXXXXXX 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 2025-08-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I made a purchase through PayPal using two payment methods : {$150.00} via my XXXX XXXX debit card, and {$220.00} via my PayPal balance. The total transaction was {$370.00}. The seller agreed to issue a full refund. The {$150.00} was successfully refunded to my XXXX XXXX  debit card, but the remaining {$220.00} which came from my PayPal balance has not been returned.

I have spent weeks trying to resolve this with PayPal. Ive contacted support multiple times, and escalated the matter, but I continue to get conflicting responses. PayPal states the remaining funds should be with my bank ( XXXX XXXX ), but XXXX XXXX has confirmed that they never received or handled the {$220.00} portion because it was never sent through them. 

The seller XXXX XXXX XXXX ) claims they issued a full refund and are working with PayPal. But PayPal has closed the case, refuses to reopen it, and offers no written explanation or accountability. 

I have documentation, case numbers, and chat logs showing Ive spent hours over the past month seeking resolution. I am now missing {$220.00} from my PayPal balance with no resolution and no clear party taking responsibility.

I am requesting that PayPal fully refund the missing {$220.00} and provide written confirmation of how the funds were handled. This complaint was also filed with the XXXX due to the unacceptable delays and lack of response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: CA

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

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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 XXXXXXXX CA XXXX ACCOUNTS : XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$26000.00} INQUIRIES : XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/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 2025-08-06 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: 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 Services , 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 XXXX CA XXXX ACCOUNTS : XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$68.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$190.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1600.00} INQUIRIES XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXXXXXX XXXX  Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/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 2025-08-06 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: GA

Complaint narrative:
I am submitting this complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) because my personal information was compromised in the Equifax data breach. As a result, fraudulent accounts and hard inquiries are now appearing on my credit report. 
These include, but are not limited to : Personal credit card ( s ) auto loan ( s ) Personal loan account ( s ) One or more collection accounts and multiple hard inquiries I did not authorize I did not open or authorize any of these accounts or inquiries. I have attached my FTC Identity Theft Report as proof.

I am requesting that all fraudulent accounts, collections, and inquiries related to the Equifax data breach be permanently removed from my credit file within 4 business days in accordance with FCRA 605B

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 2025-08-06 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UMB FINANCIAL CORPORATION
State: CA

Complaint narrative:
Despite submitting a police report and FTC identity theft affidavit, UMB XXXX - Account XXXX has continued to report an account without providing proof of ownership. They have illegally removed and put back this zombie account over the years. They request document i sent 5 years ago. This account was opened by someone in 2019 for an amount of near {$10000.00}. They have maliciously hurt my credit and if it continues legal actions will take place. They attempted to take me to court but the judge dismissed it. proving more that this need to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: CA

Complaint narrative:
Complaint Against EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XX/XX/XXXX Subject : Demand Immediate Deletion of All Inaccurate Negative Accounts - Willful FCRA Violations Dear CFPB, I am filing this formal complaint against Equifax, Exprian and TransUnion for multiple violations of the FCRA regarding the following inaccurate accounts that were improperly verified despite clear errors : 1. XXXX XXXX XXXX ( {$1400.00} ) Violations : 1681e ( b ) No original contract or payment history provided 1681i ( a ) ( 5 ) Verified without contacting furnisher 1681i ( c ) Never marked as " disputed '' 2. XXXX XXXX XXXX ( {$55000.00} ) Violations : 1681s-2 ( b ) No delinquency date or verification 1681c ( f ) Potentially obsolete ( beyond 7-year reporting period ) 1681i Ignored my proof of resolution XXXX. XXXX XXXX Late Payment ( {$630.00} ) Violations : 1681e ( b ) No evidence of missed payment 1681i No reasonable investigation 4. Incorrect Personal Information Outdated addresses and employer info Outdated addresses and employer info Violates 1681e ( b ) and 1681c Evidence Attached : My XX/XX/XXXX dispute letter Equifax credit report ( XX/XX/XXXX ) Proof of payment/resolution for disputed accounts Demand : 1 Immediate deletion of all disputed accounts 2 Correction of personal information 3 {$1000.00} statutory damages per willful violation //s/ XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief