vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I paid off my balance a few months ago bringing my balance to XXXX. I called ahead of time to make sure my final payment would include all interest and that I wouldn't be charged late fees etc. I was told I would have XXXX days to call after making that payment and make sure that if there were any fees charged that they would be adjusted. back down to XXXX and it would be no problem. 
Now I am getting bills for {$6.00} ... then {$13.00}.... I called to have this corrected and they are trying to tell me I owe money. I paid off the final balance that THEY GAVE ME OVER THE PHONE {$2300.00}. I will not pay them money I do not owe them. I was treated rudely by XXXX different associates, each refusing to escalate my call to a manager.

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 2025-06-12 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : XXXX XXXX XXXX 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/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX NY XXXX ACCOUNTS : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: GA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! 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 non-monetary relief
Consumer complaint received 2025-06-12 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:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: NH

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 one fraudulent account appearing on my consumer FICO Experian credit report which I do not recognize as reported and which is the result of identity theft and fraud. This fraudulent account consists of an unsecured loan opened at XXXX XXXX on XX/XX/year> under the account number XXXX * *. This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent item be removed from each of my consumer credit reports and that all collection activity related to said item 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 2025-06-12 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX XXXX XXXXXXXX ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX : INQUIRIES : IXXXX Date : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
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. 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 NY XXXX ACCOUNTS : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX XXXX Date : XX/XX/XXXXXXXX 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 2025-06-12 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
I have an affirm account that I have used for XXXX Purchases, each purchase required XXXX factor verification for all authorized transactions. In XXXX my account started having unauthorized charges that were auto debited from my bank account and I did not notices these unauthorized charges until I noticed I had no money in my checking account, I immediately did an audit of my account and realized Affirm had been charging me for months for purchases I did not make or authorize. I contacted affirm multiple times, each time I got an agent that did not speak clear XXXX, and only wanted to take a payment, even thought my account was current. They were unwilling to assist me with the unauthorized charges. I removed my bank account from Affirms payment system, and Affirm re-added the account 2 times without my approval, I called multiple times to pay my valid charges wanting to pay the account off in full and was told they only took payments from a bank account, and could not take a certified check/credit card/money order or any other form of payment except from a bank account. I disputed the charges through my bank, who charged them back to affirm. Affirm turned around and started charging the unauthorized charges to my husbands Affirm account, that was set up under his Social Security Number, and phone number, his account was totally separate from my account. This was not legal and violated his rights. I am wanting to pay my account off, but Affirm is unwilling to take a payment. Instead they have reported me to the credit agencies, instead of assisting me making payment on my valid charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: LA

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I kindly ask for the removal of this incorrect entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
My identity was taken and misused without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
My identity was taken and misused without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: I.C. System, Inc.
State: MI

Complaint narrative:
My identity was taken and misused without my consent.

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 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am writing to formally dispute the reporting of a Collection with Citi credit card account that appears on my credit reports. I was shocked to discover this derogatory tradeline after my loan officer pulled my credit during the home loan process. I have never authorized or consented to being added as an authorized user on this account, and I do not recognize it in any way. This unauthorized account is now significantly impacting my credit scores and debt-to-income ratio, putting my pending home loan at serious risk. I have never opened this account, never used the card, and never agreed to be liable for any charges associated with it. Under the Fair Credit Reporting Act ( FCRA ), you are required to report only accurate and verifiable information. Because I did not authorize this account and have no association with it, I am demanding that XXXX immediately investigate this matter and delete this tradeline from all of my credit reports

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 2025-06-12 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I was scammed while attempting to purchase a ticket through social media on XX/XX/year>. I paid {$200.00} using XXXX through my Bank of America account. The scammer sent me two fake email confirmations that appeared to be legitimate, but when I arrived at the event, I was informed that the ticket was not valid.

I submitted a claim to Bank of America on XX/XX/year>. The claim number is XXXX. However, they denied my request, stating that the transfer was completed as instructed and therefore no error occurred. 

This transaction was unauthorized in the sense that I was misled and defrauded by the recipient. I am requesting further investigation or assistance in recovering my funds, as I was a victim of fraud and acted in good faith.

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 2025-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: AK

Complaint narrative:
My name is XXXX im XXXX XXXX XXXX and your company has closed my account for some odd reason. I have overdraft and borrow that I need to pay back but cant because you guys cant figure out why youve locked my account this is where is send money to help my mom out this is how I receive my direct deposit this app is literally why I can help around the house and now i cant. Like this is ridiculous and I dont believe I should pay back money that I wont be able to access since my account is locked, and nobody has been giving me any answers and its insane

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 2025-06-12 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: CA

Complaint narrative:
I am submitting this complaint regarding Equifaxs failure to resolve multiple disputes I filed concerning inaccurate and unverifiable information on my credit report. Despite my efforts to exercise my rights under the Fair Credit Reporting Act ( FCRA ), Equifax has failed to respond with the required investigation results and continues to report inaccurate information that the other two major credit bureaus have already corrected or removed.

I submitted four disputes to Equifax regarding the following accounts : XXXXXXXX XXXX XXXX  Account # XXXX ) Revolving account opened on XX/XX/XXXX with a balance of {$150.00}. 

This account was removed from my XXXX  report after a dispute, but Equifax failed to investigate or remove the disputed information. 

XXXX XXXX ( Account # XXXX ) Installment account opened on XX/XX/XXXX, currently showing a balance of {$0.00}.

Equifax is reporting 64 late payments, while XXXX reports zero late payments. This discrepancy has not been addressed or corrected. 

XXXX XXXX XXXX ( Collection Account # XXXX ) Balance of {$860.00}, original creditor : XXXXXXXX XXXX 

I have no known contract with this debt collector. I requested validation of the debt, including proof of ownership and legal authority to collect. Equifax failed to provide documentation or remove the account. 

XXXX XXXX XXXX ( Collection Account # XXXX ) Balance of {$1600.00}, original creditor : XXXX XXXX XXXX XXXX XXXX 

As with XXXX, I requested verification and proof of legal authority to collect. Equifax has failed to respond appropriately or remove this unverified collection. 

Additionally, Equifax has refused to remove several hard inquiries that both XXXX XXXX XXXX have already deleted based on my disputes. 

As of today, none of these matters have been resolved. Equifax has not provided the results of its investigations in writing within the 30-day timeframe required by law and continues to report inaccurate and unverified information in violation of the FCRA. 

I respectfully request the CFPB to investigate this matter and take appropriate enforcement action to ensure Equifax complies with federal consumer protection laws. I am seeking the removal of all unverifiable and inaccurate items listed above and proper documentation showing the results of their investigations. 

Thank you for your time and attention.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the XXXX XXXX XXXX XXXX  ( XXXX ). 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 XXXX XXXX XXXX XXXX  ( XXXX ) and XXXX XXXX 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 2025-06-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Credit limit changed — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
PNC sent me a letter telling me they closed my business line of credit and not giving a reason why. When I called and spoke to a local bank representative they told me the bank is closing out business lines of credit for every customer that doesn't have a business checking account relationship with the bank. This is called tying and is illegal. Banks are prohibited from " tying '' the availability or price of a product or service ( like a line of credit ) to the customer obtaining another unrelated product or service from the bank or an affiliate ( like a checking account ). This is known as a tying arrangement and is regulated under Section 106 of the Bank Holding Company Act Amendments of 1970. This rule aims to prevent banks from using their power and leverage in one area ( e.g., providing loans ) to force customers to purchase or use other products or services.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc.
State: NV

Complaint narrative:
I reported several fraud charges that were not investigated appropriately since opening my cash app account and it cause me to loose a lot of money.

Company response to consumer: Closed with explanation