vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: U.S. BANCORP
State: CA

Complaint narrative:
I signed up for a XXXX XXXX XXXX credit card because they had an incentive program where if I spent {$5000.00} within 90 days of the account open date, I would receive XXXX bonus miles. I tallied the totals from my first XXXX statements and was over {$5000.00}, but when I called them, they said they don't tabulate it that way and denied my request. 

I would not have applied without this promotion and now I want the {$450.00} annual membership fee refunded.

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 2025-04-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions
State: AL

Complaint narrative:
On XXXX XXXX XXXX I reviewed my credit report. I noticed a lot of incorrect information reporting on my consumer report. There are 3 collection reporting on XXXX XXXX and XXXX that I have not given permission to have my personal information. XXXX XXXX XXXX, Account Number XXXX, Rent Recovery Soluntions- Account Number- XXXX and XXXX XXXX XXXX  XXXX Account XXXX XXXX violated my right for privacy for reportin non public personal information without my permission, I am demanding for these collection agencies to cease and desist All communications written, phone, email text and reporting on XXXX XXXX  and XXXX  XXXX I need these collections to permanently remove the accounts from my credit report and their system based on violations of federal law and my rights as a consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Synovus Bank
State: CA

Complaint narrative:
XXXX XXXX is reporting a {$210.00} collection account opened in XX/XX/XXXX and closed in XX/XX/XXXX. I disputed this with TransUnion and directly with the company. I requested validation under FCRA 609, including a signed agreement, billing history, and proof of the right to collect. I received no documentation in response. The tradeline remains on my credit despite their failure to verify or reinvestigate, which violates FCRA 611.

My credit file contains multiple past addresses and name variations, increasing the likelihood of inaccurate data matching. I am also a documented victim of identity theft and was affected by the Equifax data breach. These factors make unverified tradelines like this especially harmful and misleading. XXXX 's continued reporting has damaged my credit and must be addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
To Whom It May Concern : I am writing to file a formal complaint against Synerprise Consulting Services, a debt collection agency, regarding an account they are reporting on my credit file. I believe this debt is the result of identity theft, and I am not responsible for it. Below are the details of my complaint : Issue : Debt Does Not Belong to Me : I recently discovered a collection account from Synerprise Consulting Services listed on my credit report. I have never received a phone call, letter, or any form of communication from this agency. I have no knowledge of this debt, have never done business with the original creditor, and have never authorized any charges associated with this account. This account does not belong to me, and I dispute any obligation to it.

No Prior Notice or Validation : Synerprise Consulting Services reported this debt without notifying me, violating my rights under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692g, which requires a debt collector to provide written notice within five days of their initial communication, including my right to dispute the debt. I never received such notice. Additionally, under 15 U.S. Code 1681s-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), furnishers must not report inaccurate information. 

Inaccurate Credit Reporting : The debt Synerprise reported is not mine and has been wrongly attributed to me. This is negatively impacting my credit score. Reporting a fraudulent debt without first validating it is not only unfair but also unlawful.

Failure to Investigate Identity Theft : Although I have already filed a police report and notified the credit bureaus of potential identity theft, Synerprise Consulting Services has not conducted any proper investigation nor contacted me regarding the matter. They continue to report this collection account on my credit file as if it is valid.

Request for Documentation : I am formally requesting that Synerprise Consulting Services provide the following documentation : 1. Proof of Debt Ownership : A complete account history and supporting documents from the original creditor showing that I am responsible for the debt.

2. Signed Agreement : A copy of the original contract or agreement bearing my signature.

3. Assignment Documentation : A copy of the purchasing or assignment agreement showing Synerprise is legally authorized to collect on this debt.

4. Validation Notice : A copy of the legally required notice sent within five days of their first alleged attempt to collect.

I appreciate the Consumer Financial Protection Bureaus attention to this matter and request your assistance in ensuring that Synerprise Consulting Services complies with all applicable laws and removes this inaccurate, unverified information from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: NJ

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX  * * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$1800.00} XXXX XXXX XXXX * * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$970.00} XXXX - XXXX * * * XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX * * * XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX * * * XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX * * * XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX * * * XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX * * * XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX * * * XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX * * * XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX * * * XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX * * * XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX * * * XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX * * * * * * XXXX - XX/XX/XXXX - {$220.00} XXXX XXXX XXXX  - XXXX * * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * * * * * * * * * * * XXXX - XX/XX/XXXX - {$2700.00} XXXX XXXX - XXXX * * * * * * * * * * XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX * * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX  XXXX * * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXXXXXX * * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$00.00XXXX XXXX XXXX XXXX XXXXXXXX * * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX * * * XXXX XXXX XXXX * * * * * * * * XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX * * * * * XXXX * * * * * * XXXX - XX/XX/XXXX - {$2800.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There is an address on my credit file that does not belong to me nor am I associated with said address. I have sent proof including my current address and my mortgage is linked to to said address as well as my credit cards. But Equifax is refusing to take the address in question off of my report. Address in question XXXX XXXX XXXX XXXX. XXXX XXXX. XXXXXXXX XXXX XXXXXXXX. The only address that is supposed to be to be reflecting on my report is XXXX XXXX XXXX. XXXX, XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: MA

Complaint narrative:
Im genuinely concerned that my credit report continues to show inaccurate and incomplete information. Despite multiple attempts to have this corrected, the errors persist and are negatively affecting my credit.

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 2025-04-16 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: NJ

Complaint narrative:
I've reached out to XXXX  to get an investgation of fraudulent charges on my account. The charges was from a XXXX XXXX that I didn't have contract or lease with. Also went to court. To only find out that the building wasn't owned by them at the time. And my oringnal property owner loss ownership of property. The judge gave me time to move. I've moved out in the meantime my XXXX XXXX  was fraudulent use by the next company that was in the process of buying the property. However I was granted to move because of the code violation on the building. I never gave permission to used my card. That was on file by previous owner. Fast forward XXXXr never sent proof of the investigation they charged off my account with them and XX/XX/2025 but been adding charge offset inquiries every month afterwards. With no payment history as well on XXXX or equifax I have many payments on my account that's not accurately being reported. And the XXXX is not reporting accurate payments of what i did pay XXXX has reported none.They are reporting inaccurate information to all three bureaus. I've attached supporting documents in support of the false reporting to my credit profile

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: FL

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: AZ

Complaint narrative:
I am writing to dispute inaccurate information being reported on my Equifax credit report regarding the account with XXXX XXXX  ( Account # : XXXX * * * * ). After reviewing my credit file, I found several discrepancies that violate the Fair Credit Reporting Act ( FCRA ) and negatively impact my creditworthiness. 

Summary of Inaccuracies : The account opening date reported by Equifax differs from that of XXXX XXXX XXXX 
The credit limit is inaccurately reported as {$0.00}. 
High credit and balance amounts are inconsistent compared to other bureaus. 
Payment history reflects severe lateness across all bureaus, yet no verification has been provided. 
The account shows as open with active payment issues, yet the status and terms are unclear and contradictory. 
Violations of the Fair Credit Reporting Act ( FCRA ) : FCRA 1681e ( b ) : Failure to maintain maximum possible accuracy.

FCRA 1681i : Failure to reasonably investigate a consumers dispute.

FCRA 1681s-2 ( b ) : Continued reporting of inaccurate or unverifiable information. 
FCRA 602 : Reporting practices that do not meet the purpose of fair and accurate credit reporting.

This account contains multiple discrepancies across the credit bureaus, and Equifax is the only bureau reflecting a {$0.00} credit limitthis alone is materially misleading. The continued reporting of this inaccurate and inconsistent account violates my rights under the FCRA. 

Requested Action : I am formally requesting the immediate deletion of this account from my Equifax credit report due to the inaccurate, incomplete, and unverifiable information it contains. Please conduct a thorough investigation and provide a written response within 30 days, as required by federal law. 

Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, Arizona XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I submitted formal disputes to Equifax regarding certain inaccurate and harmful entries on my credit report. Specifically, I informed them that a creditor and a collection agency were reporting the same account at the same time, which is a clear violation of the Fair Credit Reporting Act ( FCRA ). Under FCRA guidelines, a debt should not be reported by both the original creditor and a third-party collector simultaneously once it has been sold or transferred. 
Despite notifying Equifax of this violation, they : Failed to provide any proof of investigation or supporting documentation explaining how the disputes were verified Allowed both the creditor and collection agency to continue reporting simultaneously Refused to delete the inaccurate accounts despite being shown that they were duplicative and misleading Equifaxs failure to address this matter violates their obligations under the FCRA to conduct a reasonable investigation and to maintain accurate reporting. Their inaction and refusal to provide transparency into the investigation process have caused ongoing damage to my credit, including denial of credit and higher interest rates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MN

Complaint narrative:
I was sent an invitation to join Cash App from a friend. It offered him a {$15.00} referral bonus and me a {$5.00} new account bonus if I signed up, used the referral code, linked a debit card and sent {$5.00} to someone within XXXX days, all of which I did. They refused to award the bonuses, saying I did not qualify somehow. I asked what I did wrong but there was no answer, just repeated the same steps over and over.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SOFI TECHNOLOGIES, INC.
State: NJ

Complaint narrative:
After multiple attempts of finding out what happened to the funds that were in the account, An agent named XXXX told me on XX/XX/XXXX that the funds were confiscated on XX/XX/XXXX. The originator still hasn't received anything, reasoning for the confiscation is unclear as no one can tell me why my account was closed and why the funds were confiscated. I believe they wrongly handled the funds, they haven't asked for proof of ownership so I can provide that information. They have lied and told me multiple times that the funds were sent out. All in all the funds are still in SoFi and was confiscated. The funds were about XXXX dollars, in XXXX of XXXX they wrongfully confirmed the processing of the check and allowed me access to the funds in my account but within a week they put another halt on the account and froze my assets. Someone messed up and I need this to be cleared as I depend on this money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: NV

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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:
" 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! 

"

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 2025-04-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: TX

Complaint narrative:
I contacted the company XXXX and Credit Control LLC in regards to bill of {$78.00} and XXXX said that they would not give me any information in regards to an account and that I just needed to pay the bill for a service I have never have had with them. I am requesting the following below. 

Subject : Cease and Desist Demand Regarding Debt Collection Activities Dear XXXX  and Credit Control LLC, Re : XXXX I am writing to formally notify you that, under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you immediately cease and desist all communication with me regarding the alleged debt referenced as XXXX I am aware of my rights under federal law, which includes the right to request that all debt collection efforts stop. I expect no further contact from your agency, including but not limited to phone calls, letters, emails, text messages, or third-party contact regarding this matter. Any further attempts to communicate with me, except to confirm compliance with this request or to notify me of specific legal action you intend to pursue, will be considered a violation of the FDCPA. 

Please consider this letter your final warning to cease all collection activities relating to the alleged debt. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: FL

Complaint narrative:
Negative information from XXXX XXXX  does not disappear after 7 years with Equifax, according to the court, dated XX/XX/year>, XXXX XXXX and XXXX  have already deleted it from the system after 7 years. Equifax deleted it from my wife but not from me. The loan originated with XXXX XXXX. I have tried to resolve it with Equifax on several occasions and the same person who identifies himself as XXXX serves me. He serves me reluctantly and is biased with erroneous information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: NY

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! 

"

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 2025-04-16 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: SC

Complaint narrative:
I am a victim oXXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief