vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-13 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request to Block Fraudulent Information Under 15 U.S.C. 1681c2 ( FCRA ) To Whom It May Concern, I am writing to formally request that you block certain information on my credit report that is the result of identity theft, in accordance with 15 U.S. Code 1681c2 of the Fair Credit Reporting Act ( FCRA ).

I have identified the following fraudulent item ( s ) on my credit report : - Creditor Name-XXXX  - Account Number : XXXX - Date Opened : XX/XX/year> - Reason : I did not authorize or open this account. I believe it was opened fraudulently in my name which also has discrepancies in balance and late payment history with each bureau. 

Enclosed with this letter, I am providing the required documentation : 1. A copy of my government-issued photo ID ( proof of identity ).

2. A copy of a recent utility bill or bank statement ( proof of address ).

3. A copy of my police report or FTC Identity Theft Report.

4. A signed statement declaring that I did not initiate or authorize the listed transaction ( s ) and that they are the result of identity theft. 
Please initiate a block on the above-mentioned fraudulent information within the 4 business days required by law and confirm in writing once the block is in place. 
If you need additional information, feel free to contact me at the number or email above. 

Sincerely, XXXX XXXX XXXX : - Copy of ID - Proof of address - Police/FTC Identity Theft Report - Written statement of fraud - Screenshots of inaccuracy Please verify this account or delete. Verification is not considered Validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: MN

Complaint narrative:
THERE IS INFORMATION REPORTING ON MY CREDIT REPORT THAT IS NOT RELATABLE TO MY TRUE IDENTITY. PLEASE REMOVE ALL EMPLOYERS, ADDRESSES, NAMES, AND PHONE NUMBERS THAT IS NOT ASSOCIATED WITH ME OR IN CORRESPONDANCE OF MY GOVERMENTAL IDENTIFICATION CARD. REPORTING FALSE, INACCURATE, AND UNVERIFIED INFORMATION IS A DIRECT VIOLATION OF THE FAIR CREDIT REPORTING ACT.

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 2025-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: NJ

Complaint narrative:
XX/XX/XXXX till XX/XX/XXXX they were all pending transactions and they all cleared on different days about XXXX dollars was stolen from my account when I added it up and no actions was taken I keep resubmitting the dispute over and over with new evidence and it still hasnt been handled

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I purchased a camera through XXXX  with an XXXX XXXX XXXX XXXX  credit card. All purchases over XXXX at the time were XXXX  months no intrest, they recently changed it to XXXX I believe. I started getting charged interest almost immediately and even after paying off the entire account, Im still getting intrest payments. I contacted XXXX and they told me to contact synchrony, and synchrony said I need to physically send them proof of the promotion I signed up for. I just want my money back. I shouldnt haven any intrest payments, no payments have ever been late or missed. The balance in my account was zero and today it got updated to show XXXX intrest charge.

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 monetary relief
Consumer complaint received 2025-07-13 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX La XXXX XXXX XXXX Subject : Request to Block Fraudulent Information Under 15 U.S.C. 1681c2 ( FCRA ) To Whom It May Concern, I am writing to formally request that you block certain information on my credit report that is the result of identity theft, in accordance with 15 U.S. Code 1681c2 of the Fair Credit Reporting Act ( FCRA ). 
I have identified the following fraudulent item ( s ) on my credit report : - Creditor Name-XXXX XXXX - Account Number : XXXX - Date Opened : XXXX XXXX  XXXX - Reason : I did not authorize or open this account. I believe it was opened fraudulently in my name which also has discrepancies in balance and late payment history with each bureau. 

Enclosed with this letter, I am providing the required documentation : 1. A copy of my government-issued photo ID ( proof of identity ).

2. A copy of a recent utility bill or bank statement ( proof of address ).

3. A copy of my police report or FTC Identity Theft Report. 4. A signed statement declaring that I did not initiate or authoriz
e the listed transaction ( s ) and that they are the result of identity theft.

Please initiate a block on the above-mentioned fraudulent information within the 4 business days required by law and confirm in writing once the block is in place. 
If you need additional information, feel free to contact me at the number or email above. 

Sincerely, XXXX XXXX XXXX : - Copy of ID - Proof of address - Police/FTC Identity Theft Report - Written statement of fraud - Screenshots of inaccuracy Please verify this account or delete. Verification is not considered Validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CA, XXXX Date : XX/XX/XXXXXXXX  To : TransUnion, Experian, Equifax [ Credit Bureau XXXX ] Subject : Formal Dispute of Inaccurate Late Payment Reporting under FCRA Dear, I am writing to formally dispute inaccurate information on my credit report as provided by XXXX  XXXX ( Account # : XXXXXXXX XXXX XXXX XXXX XXXX  ). According to my records, this account has always been maintained in good standing. However, your report reflects late payments ( codes 30, 60, 90 ) for various months in XXXX  and XXXX, which I strongly contest as inaccurate and unverifiable. 
The following issues exist : 1. Inconsistent Reporting : o TransUnion and Experian report several months of late payments ( 30/60/90 days ), while Equifax shows the same months as OK or not late, which indicates reporting discrepancies across bureaus.

2. Violation of FCRA 607 ( b ) ( 15 U.S. Code 1681e ( b ) ) : o The Fair Credit Reporting Act mandates that credit reporting agencies must ensure maximum possible accuracy of the information they report. These conflicting statuses can not be simultaneously accurate and therefore violate this statute.

3. Violation of FCRA 611 ( 15 U.S. Code 1681i ) : o This section gives me the right to dispute inaccurate or unverifiable information, and XXXX XXXX is legally required to investigate and delete any information that can not be verified as 100 % accurate.

4. Furnisher Liability FCRA 623 ( 15 U.S. Code 1681s-2 ) : o The data furnisher ( XXXX  XXXX ) is also in violation for furnishing inaccurate and conflicting information across multiple bureaus. Reporting differing statuses to the three major bureaus is misleading and damaging. 

Demand for Immediate Deletion : As the data reported is clearly inconsistent, inaccurate, and unverifiable, I hereby demand the immediate deletion of the derogatory late payment entries associated with this XXXX XXXX account. Failure to comply will leave me no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and explore legal remedies for continued reporting of false information, including damages for reputational and financial harm. 
I have attached a copy of my credit report highlighting the errors, along with a copy of my ID and proof of address for your verification. 
I expect a full resolution of this matter within the 30-day investigation period, as required by law.

Sincerely, XXXX XXXX Supporting Attachments : Copy of highlighted credit report ( showing late payment discrepancies ) Copy of government-issued ID Proof of address

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 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc.
State: KY

Complaint narrative:
I had no credit history o a prison for XXXX XXXX starting in XXXX of 2024 so I got on kickoff app and started paying {$37.00} a month for a fake utilization trade lines credit which you could there is no card there is nothing to buy there is no store it is a lie but they manipulate your XXXX XXXX l they never closed accounts I told him to after XXXX months he told me to delete the app now if they report me XXXX XXXX  like I have all them money but I have never owed him anything I have my debit card records I've never missed or was late on the $ XXXX XXXX payment ever they refuse to correct it and they want money even though they close the account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I Flew into XXXX North Carolina for a business deal. I XXXX  TDbank I went into bank approached a banking teller, I requested to remove cash from my saving account. I was basically told that my account was new and they could not give me cash. I told the teller that the money was available. I gave a through explanation to the source of where the funds originated from and my purpose for the cash. I then was told that the could give me a certified check. I told them that my arrangement was for cash. I spoke extensively with the teller as he emailed the manager. The teller went in to the assistant manager office. and then shortly. The teller face was red and looked nervous. He the stated that the assistant manager said he not going to give me no cash at all. I then suggested could he give me half cash. the teller then stated that the assistant manager was not going to give me no cash at all. I explained that my entire trip was to purchase equipment. I then exited the bank with the assistant manager card. then I call the corporate office. and filed a formal complaint. A no time did the assistant manager come out his office to state banking policy of why I am not allowed to withdraw cash out of my account where the funds are clearly available. Thanks for allowing file this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: KY

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency name : Address : Account number : Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 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: CA

Complaint narrative:
To Whom It May Concern, This letter serves as a formal demand under the Fair Credit Reporting Act ( FCRA ) for the immediate deletion of : Fraudulent accounts that were opened due to identity theft ; and Inaccurate addresses that are not, and never were, associated with me. 

XXXX. Fraudulent Accounts Identity Theft The following accounts were fraudulently opened in my name without my knowledge or authorization : -XXXX  XXXX  Account # XXXX -XXXX XXXX Account XXXX XXXX -XXXX Account # XXXX -XXXX XXXX Account # XXXX XXXX Account # XXXX -XXXX Account # XXXX These accounts have already been deleted by Experian and TransUnion after I submitted evidence of identity theft. You are now receiving the same documentation : -FTC Identity Theft Report -Attorney letter affirming fraud Pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ), you are legally obligated to block all information resulting from identity theft within XXXX business days of receiving : Proof of identity Copy of an identity theft report Identification of the fraudulent information A statement from me asserting that the information is fraudulent I have met all of these requirements. Failure to remove these accounts promptly will result in legal action for noncompliance under XXXX XXXX. XXXX and XXXX, which allows for actual, statutory, and punitive damages, along with attorneys fees. 

XXXX. Inaccurate Addresses Not Affiliated With Me Please also immediately delete the following inaccurate and unauthorized addresses from my credit file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( No longer live here ) XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX This addresses is not associated with me and likely connected to the fraudulent activity referenced above. I am enclosing a recent utility bill clearly showing my current and correct address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( current address ) Under FCRA XXXX ( XXXX U.S.C. XXXX ), you are required to conduct a reinvestigation of disputed items and correct or delete inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: NATIONAL DEBT RELIEF LLC
State: CA

Complaint narrative:
I am submitting this formal complaint regarding my experience with National Debt Relief. I enrolled in their debt settlement program in good faith, based on assurances that they would negotiate with my creditors and assist me in responsibly resolving my debts without lasting damage to my credit profile. 

At no time was I clearly informed that their strategy involved deliberately allowing my accounts to go into delinquency, be closed, and ultimately charged off. These actions were taken without my fully informed consent and represent a serious breach of ethical and transparent business practices. 

I believe National Debt Relief has engaged in deceptive trade practices by failing to disclose the full consequences of their program upfront. Their failure to provide clear and conspicuous disclosures regarding credit harm may constitute a violation of the Consumer Financial Protection Act and other relevant consumer protection laws.

Additionally, their conduct may fall afoul of the Federal Trade Commissions Telemarketing Sales Rule ( TSR ), which prohibits misrepresentations in debt relief services and requires full disclosure of potential negative outcomes before enrollment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Made first purchase XX/XX/XXXX for {$600.00}. Was told the balance would be deferred for a year by the veterinary clinic. 
Was then charged for the first balance and a late fee without being made aware until after the due date. 
Messaged company, told me that they deferred payment was just deferred interest even though the clinic said it was the payment that was deferred. Paid the balance in the card. 
Was later charged a return fee and extra late fee because they somehow had the wrong card information on for, even though it showed in my bank statements as a returned fee. Had to pay that as well. 
Checked on the account XX/XX/XXXX because they never took the payment from my account, noticed it said it was paid but looked at the account statements and noticed they charged me a late fee on my due date ( XX/XX/XXXX ) though I paid the minimum balance they just never took it until XX/XX/XXXX, and XXXX interest charges ( XX/XX/XXXX and XX/XX/XXXX ) even though none of my promotional deferred interest promotions are expired, they don't expire until XX/XX/XXXX and XX/XX/XXXX. 
When I talked to the live chat agent, they told me they were having technical difficulties and had me give them the last XXXX numbers on the account and my email just to tell me they couldn't verify my account and to call them at XXXX even though I was currently signed into my account and looking at the details connected to my account. 
When I wanted to verify that if I close my account do I need to pay the remaining balance in full, they didn't exactly verify if I would have to pay in full until I restated my question and was told I could still make payments after closing the account. 
Later searching reviews on the company I later found out that they indeed lie about their promotions and give misleading information or that they don't actually follow their promotional deferred dates and will charge before the due dates expire without stating or informing the account holder.

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 monetary relief
Consumer complaint received 2025-07-13 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
My first bill with Synchrony Bank closed out on XX/XX/year>XXXX  and a new charge of {$16.00} " PYMT CARD SECURITY '' appeared on my bill the same day. I reached out to Synchrony Bank 's Live Chat Agent 's today and spoke with Customer Service Representative : XXXX. They state that I reached out to them on XX/XX/XXXX and requested this service. I asked them for proof of this enrollment and their staff would not provide it to me. They just kept telling me to call over to XXXX, rather than providing the requested proof or assistance. 

I explained that I was enrolled in a fee-based program without consent or proof, but they would not assist. I requested that their agent provide me with an emailed copy of our discussions and they gave me a detailed response that lead to a web server error after skipping an optional survey ( the error was " XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' page within their chat dialogue. I captured my own screenshots of these occurrences, if needed. ). 

It seems that they are adding these unwanted services / passive enrollment tactics as a deceptive method. I never enrolled in this charge and the only language on their site or XXXX XXXX XXXX also states that it is optional. I did not request it. 
XXXX XXXX XXXXwww.synchrony.comXXXX 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 monetary relief
Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: The Best Service Co.,Inc
State: CA

Complaint narrative:
I am submitting this complaint regarding an account reported by Best Serv Co on my XXXX  credit report, associated with XXXX XXXX XXXX XXXX XXXX. This company continues to report inaccurate and incomplete information on my consumer report in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

The account reflects a balance of {$1900.00} while listing an original balance of {$1400.00}, without any explanation or itemized charges. There is no account status, no payment history, and no terms listed, making the account materially incomplete and misleading. The status update shows XX/XX/year>, but there has been no proper follow-up or correction of the disputed data. 

Furthermore, the account includes the statement Account information disputed by consumer, but there is no documentation showing the dispute was investigated or resolved. Under FCRA 1681i ( a ) ( 5 ), if information can not be verified, it must be deleted. Best Serv Co has failed to do this and continues to furnish data they should know is false or misleading, violating FDCPA 1692e ( 8 ).

This continued reporting of unverified, inaccurate, and incomplete information is a violation of my consumer rights and is causing harm to my creditworthiness.

Company response to consumer: Closed with explanation