vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: MA

Complaint narrative:
Hello I was and have been using cashapp for a while now. And I recently tried to buy bitcoin to send. It said I had to verify my identity and I realized I didnt use my legal last name so when I tried to change it, the app led me to cashapp support. Now I was conversing with someone on there names rams and was helping until I came back after uploading photos to a very disrespectful person named XXXX and he would not help. And when I tried to ask about complaint forms he said No. exactly just No. with a period and when I told him I wanted to speak to someone else still all I was told was No.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
On XXXX XXXX XXXX, I applied for auto financing only through specific dealerships/lenders that I authorized. I clearly stated to each dealership that my credit was only to be pulled by the lender of my choice ( XXXX XXXX XXXX XXXX for the purpose of securing a loan on XXXX vehicle. 
Despite my instructions, my credit was improperly accessed by multiple other finance companies and banks without my consent, resulting in numerious hard inquiries across Equifax, Experian, and TransUnion. The following inquires were not authorized by me, nor were they necessary for my application. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This unauthorized use of my credit report has negatively impacted my credit score and violates the Fair Credit Reporting Act. I am requesting that the CFPB assist in having these unauthorized inquiries removed from my credit reports and ensure that the parties involved are held accountable for accessing my credit without proper 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 2025-08-09 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: NJ

Complaint narrative:
Subject : Formal Dispute and Request for Investigation and Deletion of Inaccurate/Unauthorized Items under 15 USC 1692c , 1692g, 1681e ( b ), 1635, and Related Consumer Protections.

To Whom It May Concern : I am writing to formally dispute the following accounts and inquiries currently appearing on my consumer credit reports. This letter is written pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Accounts in Dispute : XXXX ACCT XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ACCT # : XXXX These accounts are either inaccurately reported, unverifiable, or may have been established or reported without my full knowledge, consent, or legal validation.

Therefore, I request a full investigation into the following items under : 15 USC 1692g Debt collectors must provide written validation of debt within 5 days of initial communication. I have not received sufficient documentation validating these debts.

15 USC 1692c Prohibits communication at unusual or inconvenient times or places, and with third parties without consent. If applicable, I reserve my right to not be contacted in violation of this provision.

15 USC 1681e ( b ) Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information they report. These accounts contain inaccuracies or lack verifiable documentation.

15 USC 1635 Provides a right of rescission and protection against certain unauthorized or unclear credit agreements. If any credit was extended without full and accurate disclosures, I hereby invoke my right to rescind.

15 U.S.C. 1681b ( a ) ( 1 ) states : " Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' Inquiries to Be Removed : I further demand the removal of all unauthorized inquiries that were made without my express written consent. I did not authorize or initiate several inquiries reflected on my credit report, and under 15 USC 1681b, a permissible purpose must exist for any access to my credit file. 
XXXX XXXX XXXXXX/XX/year>, XX/XX/year>, XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> Please conduct your reinvestigation within 30 days, as required by 15 USC 1681i. If these items can not be properly verified, they must be deleted from my credit report.

Please mail all findings, updates, and confirmations of deletions to the address listed above. 
Sincerely, 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 2025-08-09 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: NJ

Complaint narrative:
Subject : Formal Dispute and Request for Investigation and Deletion of Inaccurate/Unauthorized Items under 15 USC 1692c , 1692g, 1681e ( b ), 1635, and Related Consumer Protections.

To Whom It May Concern : I am writing to formally dispute the following accounts and inquiries currently appearing on my consumer credit reports. This letter is written pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Accounts in Dispute : XXXX ACCT XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ACCT # : XXXX These accounts are either inaccurately reported, unverifiable, or may have been established or reported without my full knowledge, consent, or legal validation.

Therefore, I request a full investigation into the following items under : 15 USC 1692g Debt collectors must provide written validation of debt within 5 days of initial communication. I have not received sufficient documentation validating these debts.

15 USC 1692c Prohibits communication at unusual or inconvenient times or places, and with third parties without consent. If applicable, I reserve my right to not be contacted in violation of this provision.

15 USC 1681e ( b ) Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information they report. These accounts contain inaccuracies or lack verifiable documentation.

15 USC 1635 Provides a right of rescission and protection against certain unauthorized or unclear credit agreements. If any credit was extended without full and accurate disclosures, I hereby invoke my right to rescind.

15 U.S.C. 1681b ( a ) ( 1 ) states : " Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' Inquiries to Be Removed : I further demand the removal of all unauthorized inquiries that were made without my express written consent. I did not authorize or initiate several inquiries reflected on my credit report, and under 15 USC 1681b, a permissible purpose must exist for any access to my credit file. 
XXXX XXXX XXXXXX/XX/year>, XX/XX/year>, XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> Please conduct your reinvestigation within 30 days, as required by 15 USC 1681i. If these items can not be properly verified, they must be deleted from my credit report.

Please mail all findings, updates, and confirmations of deletions to the address listed above. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: INDEPENDENT BANK CORP.
State: MA

Complaint narrative:
I recieved a fraudulent payroll check. Before withdrawing money, I called the call center to confirm if funds were available, the issuing bank cleared the check. The phone representative affirmed this, so I withdrew and went about my normal business.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
Synchrony Bank / Amazon Credit Card Credit card Account access / rewards program / unfair security practices What happened : I am an Amazon credit card holder through Synchrony Bank. I have always paid my balance in full and on time, and my account has never had fraudulent activity. Recently, multiple legitimate Amazon purchases to my same verified shipping address were denied without warning. The items were cancelled twice before I was finally able to reorder using another payment method.

After several calls to Synchrony, I was told my account had been placed on a security hold requiring visual authentication. Only after beginning the process did I realize this involved facial biometric recognition in addition to a drivers license. This was never disclosed when I applied for the card or in the cardholder agreement. No alternative verification option was offered, and Synchrony has been intentionally vague about the biometric nature of the process. 

I stopped the biometric verification mid-process due to privacy concerns. This means Synchrony may have partial biometric data already stored, which poses a permanent security risk if leaked. 

The denied purchase was for equipment needed for my academic capstone project, and these delays caused unnecessary emotional distress due to increased time pressure. As a XXXX veteran, I find it unacceptable to have access to my account and the advertised 5 % cashback benefits restricted by undisclosed biometric requirements, especially when no reasonable alternative was provided. 

Why this is unfair and deceptive : 1. The biometric requirement was not disclosed in the cardholder agreement or marketing materials.

2. No non-biometric option was offered for verification.

3. Transactions were denied without advance notice, resulting in cancellation and loss of purchase opportunities.

4. Biometric capture was initiated under a vague label ( visual authentication ) without informed consent.

5. Biometric data, once collected, can not be changed if compromised unlike passwords or card numbers. 
6. The purchases were shipped to the same address as my billing address, making Synchronys fraud-prevention justification implausible. 

Dates of cancelled orders : 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 2025-08-09 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: NC

Complaint narrative:
On XX/XX/XXXX, I submitted a written dispute to Equifax Information Services LLC regarding XXXX unauthorized credit inquiries that appeared on my Equifax credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX In my cover letter, I stated these inquiries were the direct result of identity theft and requested their removal in accordance with the Fair Credit Reporting Act ( FCRA ) 605B. I provided : An executed Identity Theft Affidavit ; A government-issued photo ID ; Proof of my current address.

Despite supplying the required documentation, Equifaxs XX/XX/XXXX dispute results state : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Equifax did not block or remove the fraudulent inquiries as
required under FCRA 605B, nor did they provide a substantive explanation addressing my identity theft documentation. The response appears to be a generic form letter that fails to address the specific evidence I submitted. 

Violations and Concerns : Failure to conduct a reasonable reinvestigation under FCRA 611 ( a ).

Failure to block information resulting from identity theft under FCRA 605B ( c ) ( 1 ).

Possible violation of the CFPBs Regulation V ( 12 CFR 1022.3 and 1022.43 ), which requires consumer reporting agencies to honor proper identity theft submissions. 

Requested Resolution : Immediate removal/blocking of the XXXX unauthorized inquiries from my Equifax credit file in compliance with FCRA 605B.

Written confirmation from Equifax of the deletion and updated credit file.

Assurance that my identity theft documentation will be properly considered in future disputes. 

Attachments : Original dispute letter ( XX/XX/XXXX ) with identity theft affidavit, ID, and proof of address. 

Equifax dispute results dated XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
To Whom It May Concern : I am writing to formally and immediately revoke any and all Power of Attorney ( POA ) that may have been grantedwhether explicitly stated, implied, or contained within any purchase agreement, retail installment sales contract, financing document, or other instrumentto XXXX or any of its affiliates, employees, agents, representatives, or assigns, in connection with my automobile, its title, registration, financing, insurance, or any other related matter. 

Effective immediately upon your receipt of this notice, you and your agents are no longer authorized to act on my behalf in any manner concerning my motor vehicle. 

This revocation is made under my rights established by : Common Law Principles of Agency, which allow a principal to revoke an agents authority at any time.

State Contract Law, which invalidates any authorization not supported by informed consent.

The Federal Truth in Lending Act ( TILA ), 15 U.S.C. 1601 et seq., which requires clear disclosure and prohibits unauthorized changes to credit agreements.

The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which prohibits unauthorized sharing or alteration of my personal or credit information. 
The XXXX XXXX XXXX, XXXX XXXX. XXXX et seq., which supports consumer rights against misrepresentation in the sale of goods. 
Uniform Commercial Code ( UCC ) 1-103 and 1-308, under which I expressly reserve all rights without prejudice. 
Accordingly, you are hereby directed to : Cease and desist from exercising any authority or making any representation on my behalf regarding my vehicle. 
Update your internal records immediately to reflect this revocation of Power of Attorney.

Provide a complete copy of any document in your possession that purports to grant you such authority, including all pages, signatures, endorsements, and addendums.

Confirm in writing within ten ( 10 ) business days that my revocation has been processed and all related authorizations have been terminated. 
Please note : Failure to comply with this revocation may result in a formal complaint being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my State Attorney Generals Office, and any other applicable regulatory or licensing authorities. 
All future communications concerning this matter must be conducted in writing only and sent to the mailing address listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Collection Management Holdings, LLC
State: AZ

Complaint narrative:
b'I do not know who this company is and why they are contacting me.  They are listed as a collection agency, Credit Management Company, on-line.  They call non-stop with a recorded message to call them back at XXXX XXXX.  Many people on-line state this is a spam call.  In the last 60 days they have called me 146 times.  This is just in the last 60 days.  My phone keeps track and I have the dates the calls were made.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
Equifax has my ex-husband 's address as a previous address of mine, but he lived at that address after we divorced. I never lived there. 

Experian has my brother 's address as a previous address of mine, but I have never lived with him at that location. 

All of the credit reporting companies have wrong addresses and one had a couple of wrong phone numbers. The concern is that I know who the addresses and phone numbers belong to, and they are not welcome in my life.

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 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am disputing inaccurate and duplicate account information being reported by TransUnion and displayed in XXXXXXXX XXXX XXXXXXXX monitoring tool. These errors are negatively impacting my credit profile and must be corrected under the Fair Credit Reporting Act ( FCRA ). 

Details : XXXX. XXXX There are XXXX separate entries. The entry dated XX/XX/XXXX is a duplicate/inaccurate record. Only the XX/XX/XXXX entry should remain. 
XXXX. XXXX XXXX XXXX XXXX XXXX entries are inaccurate and should be removed. 
XXXX. XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX are inaccurate and should be deleted. 
XXXX. XXXX XXXX via XXXX  The entry dated XX/XX/XXXX is inaccurate and should be removed. 

These items are inaccurate and/or duplicates and do not reflect my actual credit history. They have not been verified with proper documentation and are therefore in violation of FCRA 1681i ( Reinvestigation of disputed information ) and 1681s-2 ( a ) ( Furnishers duty to provide accurate information ).

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 2025-08-09 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

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 2025-08-09 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: OR

Complaint narrative:
Equifax has my ex-husband 's address as a previous address of mine, but he lived at that address after we divorced. I never lived there. 

Experian has my brother 's address as a previous address of mine, but I have never lived with him at that location. 

All of the credit reporting companies have wrong addresses and one had a couple of wrong phone numbers. The concern is that I know who the addresses and phone numbers belong to, and they are not welcome in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am issuing this formal and final demand for the immediate deletion of all fraudulent and unauthorized accounts, inquiries, and public records from my credit file. These items are the result of identity theft, and I have never consented to or opened the accounts in question. This matter has been reported to the Federal Trade Commission, and I have attached my Identity Theft Report as required by law. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and REMOVE all fraudulent information within FOUR ( 4 ) BUSINESS DAYS of receiving this notice and the supporting documents.Any delay, negligence, or continued reporting of this false information will be treated as willful noncompliance and a blatant violation of federal law. Be advised that I will pursue legal action under FCRA 616 and 617 for damages and statutory penalties.This is your final warning. Remove all fraudulent data immediately or face the legal consequences.

Company response to consumer: Closed with non-monetary relief