vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Dear sir or ma'am : I received a letter from Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX. It stated " a copy of your credit file for employment records '' was " recently furnished ''. I called Equifax at XXXX on XX/XX/2025. Equifax stated that they don't have a record on file of any pertaining inquiry and that the address isn't associated with them. They made a case with case number XXXX Is this a possible fraud? 

thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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:
I'M A VICTIM OF IDENTITY FRAUD. THEY ARE CONTINUING TO REPORT THESE FRAUDULENT ACCOUNTS ON MY CREDIT REPORT EVEN AFTER BEING NOTIFIED. 
I HAVE FILE A COMPLAINT WITH THE FTC AS WELL.

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 2025-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: FL

Complaint narrative:
I attempted to send someone money on XX/XX/year> spell correction edited my purpose for sending and corrected it to XXXX so cash app flagged my account and froze it I have explained to them numerous times it was an accident the payment was for XXXX dollars to XXXX XXXX XXXX at XXXX am the transaction number is # XXXX This has been going on a month almost I have called emailed chatted with advocates with the same response that special teams was handling it and I would recieve an email which I have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I opened a BoA credit card many years ago, and set up automatic payment, but by default it put me to pay minimal due. this is both misleading and hurt me, back then i had a mortgage account with BoA, but later i paid it off. 
and i completely forgot about this credit card, till recently, i kept seeing XXXX balance due though i have not been using it for years. 
it ended up charging me XXXX to XXXX dollars per month and it ended up being thousands of dollars paid to BoA for interest. 
This is extremely frustrating and i lost a lot of money due to this. 
I have XXXX other credit cards and not a single one had this issue, I always default to pay statement balance. 

Would warm anybody to PLEASE PLEASE avoid BoA credit card or account in any possible way. 
I will NEVER EVER use any service of BoA any more.

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 2025-08-19 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: Climb Credit Inc.
State: WA

Complaint narrative:
Climb Credit was a fraudulent student loan and is now listed as a charge off on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: Herbert P. Sears Co., Inc.
State: CA

Complaint narrative:
Been trying to turn my situation around and change my life and it still pops up as negative. According to law 15 U.S.C. 1681 this is a defamation to my character.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I'm asking for your assistance to look into accounts that are inaccurately flagged for late payments. My credit report shows certain accounts marked as late, which is incorrect. There should be no late payment notationsplease remove them and update the accounts to show the positive status we agreed on. The account marked delinquent is also incorrect and needs to be disputed and changed to reflect on-time payments.

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 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> Please block this information within 4 days of receipt from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I recently applied for a checking account and was denied and referred to XXXX XXXX. After viewing my XXXX XXXX consumer report, I identified a fraudulent account through BMO. I have alerted BMO several times ( XX/XX/25, XX/XX/25, and XX/XX/25 ) over the phone that I am the victim of identity theft and to close any accounts created with my information, remove any accounts from my consumer reports, and provide written confirmation that these actions were taken. I was not given any information about what accounts were opened in my name, but I was told that the accounts that were opened would be closed, and BMO 's fraud department would call me regarding the letter they would send confirming my requests. I have not received any call from BMO 's fraud department and there is nothing on BMO 's website besides a generic customer service phone number to call for help with fraud claims. I called again today ( XX/XX/25 ), asking where I could send my police and FTC identity theft reports, but the person I spoke to incorrectly told me I could find that information on the FTC 's IdentityTheft.gov. I looked up the information while still on the phone and informed the person that I could not see what they were referring to and asked for more guidance on where to find the information on the website they provided. They put me on hold multiple times and could not guide me. I asked them to just give me the address or email to send the information regarding my identity theft reports, since they could not lead me to it on the FTC website, but the person hung up on me.

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 2025-08-19 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Issue : Predatory and unfair credit line reductions ( balance chasing ) Company : Synchrony Bank Product : Credit card ( XXXX  XXXX, acct ending XXXX ) Synchrony Bank has repeatedly and unfairly reduced my credit limit immediately after I paid down significant balances. 
On XX/XX/year>, my credit line was reduced to {$1200.00}. 
On XX/XX/year>, after another large paydown, my line was reduced again to {$940.00}. 

Both actions were accompanied by adverse action notices citing inconsistent reasons such as accounts too new, insufficient total credit, and recent overlimit. At the same time, my credit score increased from XXXX in XXXX to XXXX in XXXX, according to the disclosures Synchrony provided. 

This is a clear example of balance chasing a practice where the bank cuts limits as balances are paid, preventing utilization from improving and causing further harm to my credit. Synchronys repeated actions have artificially inflated my credit utilization ratio, damaged my credit standing, and placed me in a predatory cycle. 

I believe these practices are unfair, deceptive, and abusive under the Dodd-Frank Act, and violate the spirit of the Equal Credit Opportunity Act by penalizing me despite an improving credit profile.

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 2025-08-19 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: CA

Complaint narrative:
I got NetSpend XXXX Debit card in my name in USPS mail, which I never applied for. Not even sure how they got my 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 2025-08-19 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: VA

Complaint narrative:
The XXXX XXXX account reporting on my TransUnion credit file was marked as verified, but no documentation has been provided proving that this account belongs to me or that the reporting is accurate. A simple confirmation from the furnisher does not satisfy the requirement of a reasonable reinvestigation under the Fair Credit Reporting Act, FCRA 611 ( 15 U.S.C. 1681i ).

Because this account can not be independently verified with proper documentation, it must be deleted from my credit report. TransUnion is in violation of the FCRA by continuing to report information that is not verified as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: VA

Complaint narrative:
The XXXX XXXX account reporting on my TransUnion credit file was marked as verified, but no documentation has been provided proving that this account belongs to me or that the reporting is accurate. A simple confirmation from the furnisher does not satisfy the requirement of a reasonable reinvestigation under the Fair Credit Reporting Act, FCRA 611 ( 15 U.S.C. 1681i ).

Because this account can not be independently verified with proper documentation, it must be deleted from my credit report. TransUnion is in violation of the FCRA by continuing to report information that is not verified as accurate.

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 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I SUBMITTED A CLAIM PACKET TO XXXX XXXX XXXX IN XX/XX/XXXX. I RECEIVED MULTIPLE LETTERS FROM XXXX AND I'M ATTACHING ONE DATED XX/XX/XXXX TO THIS COMPLANT WITH PROFF XXXX AGREED TO REMOVE THE ACCOUNT OFF MY REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 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: DC

Complaint narrative:
I'm writing to bestow my XXXX  concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. 
I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 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:
COLLECTION ACCOUNT ( XXXX XXXX XXXX ) WAS DISPUTED WITH EQUIFAX AND THEIR RESPONSE WAS VERIFIED.EQUIFAX DID NOT PROVIDED HOW THE INVESTIGATION WAS CONDUCTED. 

THIS COLLECTION ACCOUNT WAS PURCHASED BY A THIRD PARTY DEBT COLLECTOR ( XXXX XXXX XXXX ) THIS ACCOUNT MUST BE DELETED AS THE STATUS IS NOT CORRECT, THE AMOUNT IS NOT CORRECT, AND THE ACCOUNT WAS PAID FOR LESS THAN OWED BY THE THIRD PARTY DEBT COLLECTOR. AS YOU CAN SEE BY MY EQUIFAX CREDIT REPORT. THIS INFORMATION IS NOT CORRECT & NOT ACCURATE. THEREFORE IT MUST BE DELETED IMMEDIATELY. 

DATE ASSIGNED : XX/XX/year> XXXX XXXX XXXX {$1000.00} HOW MUCH DID THE COLLECTION COMPAY PAY FOR THIS ITEM? I DONT KNOW AND NEITHER DOES MY CREDIT REPORT REFLECT SUCH AMOUNTS. THIS IS A CLEAR VIOLATION OF THE FCRA AS THIS IS NOT ACCURATE OF COMPLETE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 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: MT

Complaint narrative:
I am submitting this formal complaint against Experian for multiple violations of the Fair Credit Reporting Act ( FCRA ) in connection with fraudulent accounts that remain on my credit report despite my repeated disputes and submission of legally sufficient documentation. The accounts in questionXXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXXwere opened fraudulently and are the result of identity theft. I provided Experian with a government-issued ID, proof of address, an FTC Identity Theft Report, and a signed statement under penalty of perjury, all of which satisfy the requirements under FCRA 605B . Despite this, Experian failed to block the fraudulent information within four business days, as required by law.

Furthermore, Experian has violated FCRA 611 ( a ) by failing to conduct a proper reinvestigation of my dispute within the 30-day statutory window. I also requested full disclosure of all information used to verify the disputed accounts, as permitted under FCRA 609 ( a ) ( 1 ) ( A ), but Experian has not provided this information. These failures constitute both negligent and willful noncompliance with the FCRA, entitling me to damages under 616 and 617.

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 2025-08-19 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2025-08-19 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2025-08-19 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Multiple inquiries submitted by a dealership for credit to places I did not authorize 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 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/year>

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 2025-08-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Multiple inquiries submitted by a dealership for credit to places I did not authorize 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 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/year>

Company response to consumer: Closed with explanation