vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-05 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: CA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-08-05 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: LA

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 an 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: FL

Complaint narrative:
This complaint is being submitted to request that Equifax block and remove fraudulent information from my consumer credit report in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ). Under this provision, Equifax is required to block such information within four ( 4 ) business days of receiving this notice.

The disputed information includes multiple unauthorized accounts that were opened or made without my knowledge or consent. These items are the result of identity theft and fraud. The following accounts are fraudulent and must be permanently removed from my credit file : XXXX  XXXX XXXX - Opened on XX/XX/XXXX with balance of {$3000.00}, XXXX XXXX - Opened XX/XX/XXXX with balance of {$2300.00}, XXXX XXXX XXXX - Opened XX/XX/XXXX with balance of {$4300.00}, XXXX XXXX Opened XX/XX/XXXX with balance of {$0.00}, XXXX XXXX XXXX - Open XX/XX/XXXX with balance of {$1000.00}, XXXX XXXX XXXX - Opened XX/XX/XXXX with balance of {$3500.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX with balance of {$2100.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX with balance of {$4500.00}, XXXX XXXX XXXX - Open XX/XX/XXXX with balance of {$5500.00} All of the listed accounts and inquiries are not mine. I have attached a copy of my FTC Identity Theft Report ( Criminal Complaint # XXXX ), filed with the U.S. Federal Trade Commission, to verify that these items are fraudulent and associated with identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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 AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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 2025-08-05 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: NY

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/year>, a Synchrony representative XXXX XXXX XXXX told me that if I provided my net income, my CareCredit limit could be reconsidered and reinstated. I submitted the requested income in good faith. On XX/XX/year>, Synchrony denied reinstatement using the same XX/XX/year> XXXX  reportno updated credit pull or meaningful review was performed. This shows my personal financial information was collected under false pretenses, causing ongoing harm to my creditworthiness and financial stability. 

Synchrony also claimed that an adverse action notice was emailed and mailed on XXXX XXXX XXXX. I never received either. I only received a copy after I filed my first CFPB complaint, meaning the required FCRA/ECOA notice was not properly delivered. 

Their XX/XX/year> CFPB response falsely stated that reporting was accurate and no violation occurred. Public record shows my XXXX  complaint led to SYNCB/CARE CREDIT XXXX proving their furnished information was inaccurate or unverifiable. 

This is a new complaint because the harm occurred after my first case and involves new misrepresentation, failure to provide proper adverse action notice, and bad-faith handling of my income submission. I request a new investigation, full documentation of the XX/XX/XXXX risk review, proof of notice delivery, and enforcement of FCRA/ECOA compliance. I also reserve the right to pursue legal remedies if Synchrony fails to comply.

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 2025-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: FL

Complaint narrative:
PRO COLLECT is falsely reporting on my credit. I have never had any accounts with them. Per my research PRO COLLECT 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 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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-08-05 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: GA

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: OK

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) for freezing my account and withholding my funds for over 30 days due to a misunderstood, non-malicious payment note, and for failing to provide a timely or fair resolution. 

My account was suspended on XX/XX/XXXX, after I sent a {$5.00} payment to a friend with a joke caption that included the phrase " XXXX XXXX. '' This was a lighthearted, non-political, and obviously non-transactional message between friends. Despite the context being harmless, my account was instantly locked presumably due to automated flagging and has remained locked ever since. 

I have reached out to Cash App support more than XXXX times, asking for clarification, resolution, or at least a timeline for the review process. Each time, Ive only received vague messages stating that the issue is being looked into by a higher team, with no actionable update or human-level review. 

During this extended lock : I have lost my job and have become financially dependent on the funds stored in my Cash App account. 
Ive been unable to pay for basic necessities, resulting in Wi-Fi and utility shut-offs. 

This has added extreme stress and instability during an already difficult time. 

I fully understand the need for financial institutions to comply with regulations, including sanctions, but this case clearly involves no actual violation just a poorly contextualized joke. Locking a users funds indefinitely with no recourse is unjustifiable. 

Thank you for your assistance in helping to resolve this matter fairly and urgently. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: GA

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 four 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$8600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX 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, Balance : {$0.00} 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, Balance : {$6600.00} INQUIRIES : 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 2025-08-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: IL

Complaint narrative:
SPRING OAKS CAPITAL LLC XXXX. XXXX XXXX XXXX, VA XXXX RE : Request for Debt Validation XXXX XXXX XXXX Compliance-Notice to Cease Reporting Until Validation is Complete Dear XXXX Funding C/O XXXX XXXX XXXX. 
I am formally requesting for validation of alleged debt you claim I owe, pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g and requesting that you immediately cease all collection efforts and reporting to any agencies until this debt has been properly validated. 
Additionally, I am requesting your agency demonstrate XXXX XXXX Compliance as outlined in the FCRA ( Fair Credit Reporting Act ) and the Consumer Data Industry Association ( DCIA ) guidelines, under XXXX XXXX reporting standards, the information furnished must be : -Accurate -Complete -Verified As part of this request, please provide all the following documentation : XXXX. The original signed contract of agreement bearing my signature for the alleged debt. 
XXXX. A complete accounting and itemization of the debt, including interest, fees, and explanation of how the amount was calculated. 
XXXX. Proof of legal documentation, of this debt ( e.g. Chain of Assignment from original creditor to current collector ). 
XXXX Name and address of the original creditor, along with the original account number. 
XXXX. A copy of the notice of debt sent to me, as required by 15 U.S.C. 1692g ( a ).

6. Proof of Compliance with XXXX XXXX guidelines and accurate coding using the appropriate Compliance Condition Codes ( CCC ), especially if this debt is disputed ( e.g. code " XB for disputed debts ). 
Until all of the requested documentation is provided and this debt is properly validated. 
You are required by 15 U.S.C. Section 1692 ( b ) to cease collection activity. 
You must cease and desist all reporting to consumer reporting agencies or update the account to reflect its is " disputed '' using the appropriated XXXX XXXX CCC. 
Failure to comply will result in a compliant filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State 's Attorney General 's Office of the Illinois Attorney General Kwame Raoul. 
This letter serves as notice of dispute under FCRA 15 U.S.C Section 1681 s-2 ( a ). Please, ensure that your records reflect that this debt is being disputed until resolved. 
Thank you for your immediate attention to this matter. I look forward to your prompt and complete response within the 30 day time from by law. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: TX

Complaint narrative:
I am writing to dispute accounts that are being reported on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) pursuant to 15 U.S.C. 1681c-2. Therefore, I respectfully request that this information be blocked or deleted immediately. 

I am enclosing a copy of my Identity Theft Report issued by the Federal Trade Commission ( FTC ), FTC REPORT NUMBER : XXXX, as supporting evidence for my claim. 

According to 15 U.S.C. 1681c-2, once a consumer submits an identity theft report, credit-reporting agencies are legally required to block any information identified by the consumer as resulting from such identity theft within XXXX ( XXXX ) business days. 

The following information in my credit file is the result of a clear FCRA violation and must be blocked immediately : XXXX / XXXXXXXX XXXX XXXX XXXXXXXX Additionally, 15 U.S.C. 1681b states that a credit-reporting agency may not include information in a consumers file unless there is a valid authorization or permissible purpose. I never authorized the opening or reporting of these accounts, and there is no signed contract or consent from me that justifies their inclusion in my credit report. 

Therefore, the continued presence of these accounts constitutes not only the result of identity theft but also the unauthorized use and disclosure of my personal information, in direct violation of the FCRAs requirements. 

In accordance with 15 U.S.C. 1681c-2 and 1681b, I respectfully request that these accounts be blocked and deleted immediately from my credit report and that they no longer be reported in any manner. 

I have contacted TransUnion on multiple occasions to report these accounts, but I have yet to receive a clear or definitive resolution to this matter. This situation is causing me serious harm, as I am in the process of purchasing a new home for my children and seeking financial tools to support my economic growth. These negative accounts are blocking my opportunities and causing both personal and financial damage. 

Furthermore, these accounts have already been deleted by other credit bureaus, as they were unable to verify them under the procedures required by law. I do not understand why this agency continues to report them on my credit file. 

I have also requested a copy of any contract related to these accounts from the companies reporting them, and after more than XXXX  days, I have not received a single response. This further supports the fact that there is no verifiable evidence or legal basis for continuing to report this information. 

I respectfully request that you assist me by removing these accounts immediately.

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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
This complaint is not a mistake. My credit report contains serious inaccuracies that violate the requirement for maximum possible accuracy under the law. These errors are causing ongoing and significant harm to me emotionally, financially, and personally.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Contents of Complaint : This CFPB complaint has been led 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 the following items : mortgage loan account opened at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX mortgage loan account opened at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX mortgage loan account opened at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX  TransUnion AXXXX XXXX XXXXXX/XX/XXXX TransUnion These items have resulted in other several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I've attached an affidavit of truth, proof of identity, proof of address and a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I have also attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) 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 explanation