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: EQUIFAX, INC.
State: WA

Complaint narrative:
This is a formal request for the removal of fraudulent accounts that appeared after a data breach. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), block and delete these accounts 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 XXXX XXXX XXXX XXXX XXXXXXXX WA XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with 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: WA

Complaint narrative:
This is a formal request for the removal of fraudulent accounts that appeared after a data breach. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), block and delete these accounts 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 XXXX XXXX XXXX XXXX XXXXXXXX WA XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2025-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
On several different times and dates I am experiencing ongoing issues with Truist Bank regarding the holding of my deposits. Despite providing all required documentation and waiting beyond the standard processing time, Truist continues to delay the release of my funds. Each time I contact customer service, I am given vague or inconsistent explanations that do not resolve the issue or clearly explain the reason for the continued hold. 

This situation is causing unnecessary financial stress and inconvenience. I have complied fully with all bank requests, yet my deposits remain inaccessible without a legitimate or verifiable reason. I am requesting a transparent and timely explanation for these delays, and more importantly, the immediate release of my rightful funds. 

This repeated behavior raises concerns about Truists internal communication and customer service practices, as well as their ability to handle basic banking operations with integrity and efficiency

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: Fraud or scam — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I was targeted in a scam where a fraudulent party sent me money I never requested or agreed to receive. I have not used or transferred the funds. PayPal is now attempting to reverse that payment to benefit the scammer, and is closing my cases because they are treating this as a failure of my account security- which is not the issue. The issue is PayPal allowing scammers to weaponize unsolicited payments and falsely dispute them, leaving victims like me trapped and vulnerable. 

I have contacted PayPal multiple times and they continue to dismiss the case without investigating the scammer 's activity. I am requesting full review and protection from financial liability in this case.

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: TX

Complaint narrative:
On XX/XX/XXXX my cash-app account was hacked by someone in Louisiana. I woke up to several log in attempts through email from cash-app stating that someone was attempting to sign in and eventually cashapp let them through with no verification. This person then transferred all my money out of my savings and cashed it out. They took my email off the account so I no longer had access and changed my pin on the app as well. The total amount lost was {$1500.00}. After numerous attempts of reaching out to cashapp trying to regain access of my account as well as initiating a refund, I finally filed a dispute and was denied twice. Even though this case was clearly fraudulent and unauthorized. I have all the evidence and cashapp refuses to refund my money back.

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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ).

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: UPGRADE, INC.
State: LA

Complaint narrative:
I am sending this complaint to UPLIFT , INC regarding inaccurate data reported on my credit file that has not been validated, certified as accurate, or physically verified.

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These accounts are not mine, nor were they opened with my knowledge or consent. I urge you to conduct a complete investigation and promptly remove these fraudulent entries from my credit report in accordance with 15 U.S.C. 1681g. Please confirm in writing that this matter has been resolved.

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
We are a small HVAC company that partnered with Synchrony Financial to offer financing options to our residential customers. Synchrony approved us as a merchant and issued an account to process customer financing applications. 

Our name is XXXX XXXX and XXXX XXXX ( a XXXX  XXXX ) and our Merchant ID number through Synchrony is XXXX. 

After completing XXXX  installation work for approved customers and submitting the necessary documentation, Synchrony failed to disburse the agreed-upon funds, despite having approved the financing on their end and our fulfilling all stated requirements. We attempted multiple times to resolve the issue through their customer service and merchant support teams, but we received either no response or contradictory explanations. The transactions in question took place during the month of XXXX and XX/XX/year>. 

As a result, we are left without payment for services already rendered, creating significant cash flow issues for our business. We entered into this agreement in good faith, expecting Synchrony to honor its financial commitment upon approval of customer financing. Instead, they have withheld funds without valid justification, effectively causing financial harm and undermining our ability to serve future customers. 

We are requesting that CFPB investigate this matter and that Synchrony be required to : Provide a clear explanation for the non-payment, Immediately release the funds owed for completed and approved jobs, and Ensure fair and transparent practices in its merchant financing operations.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain 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 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: MO

Complaint narrative:
I have discovered that my credit report contains public records that are not associated with me, which is deeply troubling. I urgently request the removal of these inaccuracies, as they are causing me considerable stress and 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: OH

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Subject : Failure to Conduct Proper Reinvestigation and Misclassification of Dispute as Identity Theft FCRA Violations To Whom It May Concern, I am filing this formal complaint against Experian and TransUnion for failing to comply with their obligations under the Fair Credit Reporting Act ( FCRA ) regarding my recent credit report dispute. 

On XX/XX/year>, I submitted a dispute challenging the accuracy and verifiability of several accounts on my credit file. I did not claim identity theft, nor did I submit an Identity Theft Report under FCRA 605B. However, both bureaus improperly flagged my account as a fraud case and placed a credit freeze, demanding a police report before taking further action. 

This was an error and a misapplication of the law. My dispute was filed pursuant to the following FCRA provisions : 611 : Right to dispute inaccurate/unverifiable information and have it removed if not verified within 30 days.

609 : Right to request full disclosure and original account documentation.

623 : Furnishers must provide accurate and complete information.

602 : All credit data must be fair, accurate, and verifiable. 

To date, no original account-level documentation has been provided, and the bureaus continue to report the disputed accounts without proper verification. Additionally, the identity theft flag is still active, even though I have clearly stated I am not alleging fraud. 

I am requesting the CFPB to : 1. Investigate Experian and TransUnion for failing to conduct a proper reinvestigation.

2. Require both bureaus to remove the identity theft flag and freeze placed on my credit report in error.

3. Ensure the bureaus provide verification of the disputed accounts in the form of original signed contracts or delete the accounts in compliance with FCRA 611.

4. Enforce compliance and, if necessary, assess civil penalties for negligence or willful noncompliance under FCRA 616617. 

I have attached copies of my original dispute letter, the credit bureau responses, and proof of identity. I request a fair and timely resolution consistent with the rights granted to me under federal law

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: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to formally request a reconsideration and removal of the reported late payments from XXXX on my XXXX  loan account. 
During XXXX I was living and working abroad temporarily, pursuing a creative opportunity that required extended international travel. Prior to leaving the U.S., I had qualified for deferment and believed, in good faith, that my XXXX loans remained in deferment throughout that period.

Unfortunately, I was unaware that my deferment had ended and that payments had resumed. Due to a breakdown in communication and the challenges of being overseas, I did not receive any notification that my account had entered repayment status or that I had missed payments. Had I been notified, I would have taken immediate action to maintain my deferment or bring my account current. 
Since that time : My account has been brought current and is now paid in full. 


I have maintained good credit behavior and am working to build a strong financial future. 


I am now applying for financing as an independent owner-operator, and these late payments from over six years ago are negatively impacting my progress.

I understand that you may consider removing late payments if a borrower was receiving public assistance. While I was not receiving U.S. public aid at the time due to my international status, I had qualified for deferment and genuinely believed it remained active. This was a misunderstandingnot willful negligenceand I respectfully ask for your consideration in updating my record.

In the interest of fairness and given my good standing since, I am kindly requesting that the late payments from XXXX be removed as a goodwill adjustment.

Thank you for your time and understanding. Im happy to provide documentation of my time abroad or any other details you may require.

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: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to formally request a reconsideration and removal of the reported late payments from XXXX  on my XXXX  loan account. 
During XXXX, I was living and working abroad temporarily, pursuing a creative opportunity that required extended international travel. Prior to leaving the U.S., I had qualified for deferment and believed, in good faith, that my XXXX loans remained in deferment throughout that period.

Unfortunately, I was unaware that my deferment had ended and that payments had resumed. Due to a breakdown in communication and the challenges of being overseas, I did not receive any notification that my account had entered repayment status or that I had missed payments. Had I been notified, I would have taken immediate action to maintain my deferment or bring my account current. 
Since that time : My account has been brought current and is now paid in full. 


I have maintained good credit behavior and am working to build a strong financial future. 


I am now applying for financing as an independent owner-operator, and these late payments from over six years ago are negatively impacting my progress.

I understand that you may consider removing late payments if a borrower was receiving public assistance. While I was not receiving U.S. public aid at the time due to my international status, I had qualified for deferment and genuinely believed it remained active. This was a misunderstandingnot willful negligenceand I respectfully ask for your consideration in updating my record. 
In the interest of fairness and given my good standing since, I am kindly requesting that the late payments from XXXX be removed as a goodwill adjustment. 
Thank you for your time and understanding. Im happy to provide documentation of my time abroad or any other details you may require.

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: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to formally request a reconsideration and removal of the reported late payments from XXXX on my XXXX  loan account. 
During XXXX, I was living and working abroad temporarily, pursuing a creative opportunity that required extended international travel. Prior to leaving the U.S., I had qualified for deferment and believed, in good faith, that my XXXX  loans remained in deferment throughout that period.

Unfortunately, I was unaware that my deferment had ended and that payments had resumed. Due to a breakdown in communication and the challenges of being overseas, I did not receive any notification that my account had entered repayment status or that I had missed payments. Had I been notified, I would have taken immediate action to maintain my deferment or bring my account current.

Since that time : My account has been brought current and is now paid in full.

I have maintained good credit behavior and am working to build a strong financial future.

I am now applying for financing as an independent owner-operator, and these late payments from over six years ago are negatively impacting my progress.

I understand that you may consider removing late payments if a borrower was receiving public assistance. While I was not receiving U.S. public aid at the time due to my international status, I had qualified for deferment and genuinely believed it remained active. This was a misunderstandingnot willful negligenceand I respectfully ask for your consideration in updating my record.

In the interest of fairness and given my good standing since, I am kindly requesting that the late payments from XXXX be removed as a goodwill adjustment.

Thank you for your time and understanding. Im happy to provide documentation of my time abroad or any other details you may require.

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: OH

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. 

XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX List of Unauthorized Inquiries : XXXX XXXX USA - 2025-05-31 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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