vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-04 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:
Under the Gramm Leach Bailey Act you have the right to opt out of getting my nonpublic personal information shared with non affiliated parties In which Transunion, Equifax and Experian are non affiliated parties. Along with them the Department of education operated as XXXX allowed my personal data to be accessed by XXXX XXXX and the Department of Government Efficiency accessed student loan records without my permission, My personal and financial information was authorized without my authorization. The Family Education Rights and Privacy Act ( FERPA ) protects the confidentiality of student records and this breach is a clear violation of FERPA and your responsibility to safeguard my information. Given the severity of this breach and resulting compromise to my personal financial information I request that you immediately cancel and discharge the said student loan debt. 

Violations include : Unauthorized access or sharing of student records. 
Failure to provide students access to their own records.

Data breaches involving protected student information.

Rights : Key Rights Under FERPA : 1. Privacy of Education Records - Schools can not disclose personally identifiable information ( PII ) from student records without written consent, except in specific legal circumstances.

2. Access to Records - Students ( over 18 ) and parents ( for minors ) have the right to review and request corrections to their education records.

3. Control Over Information Sharing - Schools generally need student or parenta! consent before sharing records with third parties, except for certain exemptions ( e.g., government officials, school transfers, financial aid processing

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 2025-06-04 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:
Under the Gramm Leach Bailey Act you have the right to opt out of getting my nonpublic personal information shared with non affiliated parties In which XXXX, Equifax and XXXX are non affiliated parties. Along with them the Department of education operated as XXXX allowed my personal data to be accessed by XXXX XXXX and the Department of Government Efficiency accessed XXXX loan records without my permission, My personal and financial information was authorized without my authorization. The Family Education Rights and Privacy Act ( FERPA ) protects the confidentiality of XXXX records and this breach is a clear violation of FERPA and your responsibility to safeguard my information. Given the severity of this breach and resulting compromise to my personal financial information I request that you immediately cancel and discharge the said XXXX  loan debt.

Violations include : Unauthorized access or sharing of XXXX records.

Failure to provide XXXX  access to their own records.

Data breaches involving protected student information.

Rights : Key Rights Under FERPA : 1. Privacy of Education Records - Schools can not disclose personally identifiable information ( PII ) from XXXX  records without written consent, except in specific legal circumstances.

2. Access to Records - XXXX ( over 18 ) and parents ( for minors ) have the right to review and request corrections to their education records.

3. Control Over Information Sharing - Schools generally need XXXX  or parenta! consent before sharing records with third parties, except for certain exemptions ( e.g., government officials, school transfers, financial aid processing

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc
State: NY

Complaint narrative:
Dear CFPB Representative, I am writing to file a formal complaint regarding an unresolved issue with my background check that was reported by Check r Inc. located at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Ca XXXX that has caused significant professional and financial harm. 
On XX/XX/2025, and again on XX/XX/2025, I submitted formal requests to dispute and correct inaccuracies found in my background report by certified mails. I also sent two emails on XX/XX/2025, and XX/XX/2025, to XXXX and XXXX These inaccuracies directly led to my wrongful termination from XXXX XXXX XXXX ; a job platform I relied on for income. 

Despite my good-faith efforts to correct the erroneous information, the background reporting agency has failed to rectify the issue or provide a timely resolution. As a result, I have experienced significant economic hardship and damage to my professional reputation. 

I request the Consumer Financial Protection Bureau investigate this matter and assist in ensuring the background check company complies with its obligations under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This is a formal response to XXXX XXXX  misleading and evasive reply to my original CFPB complaint ( submitted XX/XX/XXXX ). 

Claritys statement that my complaint does not appear to have been sent directly by you or to be authorized by you is baseless, false, and outright discriminatory. It is a bad-faith tactic to delay action, undermine my credibility, and suppress my legal rights. I am a legally competent adult with formal legal training, and I filed this complaint myself. 

If XXXX  genuinely questioned my identity or authorization, why did they proceed to delete the inaccurate XX/XX/XXXX date of birth from my report yet leave all other falsified information intact? Their actions prove they knew the dispute came from me and selectively chose what to act on. Thats willful deception, and it violates : FCRA 611 ( a ) by refusing to conduct a full reinvestigation FCRA 1681e ( b ) by maintaining false names, addresses, and employment data FCRA 605B for ignoring identity theft claims ( e.g., the use of an address Ive never lived at ) FCRA 1681n/o for willful and negligent violations of my rights The report continues to list : Multiple false name variations ONLY NAME SHOULD BE REPORTING IS XXXX XXXX XXXX Inaccurate employer names and unverifiable incomes Over 15 unauthorized inquiries Numerous addresses already confirmed unverifiable by XXXX Fabricated and conflicting personal details not linked to me whatsoever Further, Claritys attempt to discredit my dispute by referencing credit repair organizations is irrelevant and a red herring. I did not and do not use a third party. I demand to know why XXXX treated part of the dispute ( DOB ) but failed to take legally required action on the rest then tried to gaslight the record with vague deflection.

This response is a deliberate obstruction, and I assert that XXXX is now engaging in : Discriminatory denial of service, Suppression of lawful reinvestigation rights, and Failure to comply with federally enforced consumer protections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
I have an Equal Payments No Interest promotional credit for a purchase made from XXXX 's via a Synchrony Credit Card. The purchase date was on XX/XX/XXXX and expires on 3 days. I've been on automatic payments for the life of the promotion, and the payment balance billed each month has drafted in full with no skipped months. Now that I'm at the end of the promotion, it appears Synchrony has billed me erroneously to leave a {$9.00} balance at the end of the promotion so I'll have to pay interest on the original purchase amount. My last payment on this promotion drafted yesterday, XX/XX/XXXX. Synchrony has done this before on another store card I've disputed via the CFPB previously that they did not honor their agreement terms. I ultimately canceled that card because of their deceptive practices. It seems they are doing this again on this card. These seem like XXXX violations since they are not honoring the terms of the original agreement. If they aren't billing accurately each month to pay off the promotional purchase amount by the end of the promotion, that is their error and I should not be assessed interest charges due to their mistake.

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 2025-06-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I Ordered Pants From An Online Store. I Used My Cashapp Card To Pay But After A Month And No Product I Filed A Dispute Which Was Denied. I Tried Multiple times and Cash App has denied all 6 disputes without resolving the issue or providing support. This Is Ridiculous I Received No product nor a refund and Im just supposed to deal with it?? Absolutely not

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: FL

Complaint narrative:
I have received several notifications that my personal information has been misused and exposed in data breaches. I have noticed several accounts on my credit reports that I do not recognize. Due to my personal information being exposed, I am requesting that these accounts be permanently removed from my credit profile and have submitted an FTC report in regard to this information. I have already reached out to the credit bureaus for help on this matter and have gotten nowhere. 

Please see attachments.

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 2025-06-04 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: FL

Complaint narrative:
I have received several notifications that my personal information has been misused and exposed in data breaches. I have noticed several accounts on my credit reports that I do not recognize. Due to my personal information being exposed, I am requesting that these accounts be permanently removed from my credit profile and have submitted an FTC report in regard to this information. I have already reached out to the credit bureaus for help on this matter and have gotten nowhere. 

Please see attachments.

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 2025-06-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I received an email from chase to see if I prequalified for an auto loan the email specifically says Chase Auto makes financing easy We put you in the driver 's seat find the right car with the right features for the right budget. 
Get prequalified for financing with no impact to credit score Apply online in minutes Use approved financing at any of the XXXX participating dealers And then has an apply now button below I clicked on the apply button and filled out the information and then immediately got a credit pull on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Account was closed on XX/XX/year> however credit is reporting late payments for XXXX and XX/XX/year> which is inaccurate. This account isnt accurate and i reported this account to JPMCB Auto. This inaccurate account is effecting my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Due to identity theft resulting from a data breach, fraudulent accounts have impacted my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), please block and delete these items within 4 days : 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 XXXXXXXX XXXX XXXX XXXX CA XXXX Please delete and block the following accounts from my credit report Accounts Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XXXX XXXX XXXX Date : XXXX XXXX  Date : XXXX XXXX  Date : XXXX XXXX XXXX  Date : XXXX XXXX Date : XXXX XXXX XXXX Date : XXXX XXXX XXXX Date : XXXX XXXX  Date : XXXX XXXX  Date : XXXX XXXX XXXX XXXX Date : XXXX XXXX XXXX XXXXXXXX Date : XXXX XXXX XXXX Date : XXXX XXXX XXXX XXXX XXXX Date : XXXX XXXX XXXX  Date : 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 2025-06-04 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:
Due to identity theft resulting from a data breach, fraudulent accounts have impacted my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), please block and delete these items within 4 days : 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 XXXXXXXX XXXX XXXX XXXX CA XXXX Please delete and block the following accounts from my credit report Accounts Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XXXX XXXX XXXX Date : XXXX XXXX  Date : XXXX XXXX  Date : XXXX XXXX XXXX  Date : XXXX XXXX Date : XXXX XXXX XXXX Date : XXXX XXXX XXXX Date : XXXX XXXX  Date : XXXX XXXX  Date : XXXX XXXX XXXX XXXX Date : XXXX XXXX XXXX XXXXXXXX Date : XXXX XXXX XXXX Date : XXXX XXXX XXXX XXXX XXXX Date : XXXX XXXX XXXX  Date : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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 submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration 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 2025-06-04 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: WA

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

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 2025-06-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Synovus Bank
State: NE

Complaint narrative:
My credit score started crashing, & some of the stores even closed my account! When I looked to see what was causing this, I discovered that I was receiving negative reporting to the credit beurau for missed payments for a credit card I DID NOT OPEN! It showed her address, & when I disputed this with the card company, & experian, they both reported that it was my information, therefore my responsibility. I don't understand how they found it to be mine, when the person lived in another state. I hope you can help me with getting this removed, because I have NO INTENTION OF PAYING THIS BILL! The name of the credit card company is:XXXX/Synovus/XXXX XXXX XXXXXXXX XXXX XXXX, SD XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: FL

Complaint narrative:
My credit report was negatively impacted due to unauthorized accounts from a data breach. 
Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I demand blocking and removal within 4 days : 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 LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX - Account Number : XXXXXXXX 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  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$7700.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$860.00} Inquiries XXXX XXXX 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 2025-06-04 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: NC

Complaint narrative:
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 non-monetary relief