vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: CA

Complaint narrative:
I am filing this complaint due to a misunderstanding by Cash App support that resulted in my account being flagged for suspicious activity. 
I contacted Cash App only to ask a question about my debit card. Specifically, I asked why money was taken from my card while the card was locked. I did not report fraud, did not claim unauthorized use, and did not request any investigation or dispute. 
Following this inquiry, Cash App informed me that my account was flagged for suspicious activity. I believe this designation resulted from my support question being misinterpreted or misclassified, rather than from any actual policy violation. 
At no point did I state that the transaction was fraudulent. My intent was solely to understand how a transaction could occur while the card was locked. This is a reasonable account inquiry, not suspicious behavior. 
I

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
I have complained to the government before about how corrupt synchrony bank is. But was unsure about the fdic, and the correct process. I am XXXXXXXX XXXX XXXX XXXX XXXX  and can not make heads or tails of the directions for filing complaint. On numerous occassions they have reported to credit agency ruining my XXXX XXXX even though I have paidmy bill every month. I have talked to them about this. And they said if it is not posted on the due date your late. And sometimes it is literally impossible to pay on the due date, because of difficulties with my social security. I do have receipts of monthly payments and I have even been paying over the min due. You would think that over XXXX years my XXXX  debt would be paid off. Yes I have paid them over XXXX dollars and still have not made a dent in what they claim that I owe them. I am certain other consumers are having the same issues. Though I try not to use the Amazon store card at all, except for a few subscriptions, the total, does not total over what I owe, and on top of that, I notice that they still are taking from my bank account for those subscriptions instead of using the store card like I request.

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 2025-12-29 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: VA

Complaint narrative:
I am writing to file a dispute regarding inaccurate information appearing on my credit reports with the following credit bureaus : Equifax ( XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). Below are the accounts in dispute, organized by bureau. I request a thorough investigation of these accounts and that any inaccuracies or outdated information be corrected as per the Fair Credit Reporting Act ( FCRA ). 

I dispute the following information on my Equifax credit report : Charged Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XXXX  Balance : {$15000.00} Late Payments : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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 am formally notifying you of a potential security breach affecting my personal and financial information. It appears that my sensitive data may have been accessed or used without my permission. 

Under the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws, I have the right to ensure my information is accurate and secure. Therefore, I request that you immediately : Investigate any unauthorized access or activity connected to my information Correct or remove any inaccuracies on my credit report arising from this incident Provide written confirmation of the investigation results and any corrective actions taken Please treat this matter with urgency. Failure to act may result in escalation to the Consumer Financial Protection Bureau ( CFPB ) and other regulatory authorities. I expect confirmation of receipt and a prompt response regarding your findings.

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 2025-12-29 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: TX

Complaint narrative:
I am formally notifying you of a potential security breach affecting my personal and financial information. It appears that my sensitive data may have been accessed or used without my permission. 

Under the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws, I have the right to ensure my information is accurate and secure. Therefore, I request that you immediately : Investigate any unauthorized access or activity connected to my information Correct or remove any inaccuracies on my credit report arising from this incident Provide written confirmation of the investigation results and any corrective actions taken Please treat this matter with urgency. Failure to act may result in escalation to the Consumer Financial Protection Bureau ( CFPB ) and other regulatory authorities. I expect confirmation of receipt and a prompt response regarding your findings.

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 2025-12-29 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: SC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-29 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: CA

Complaint narrative:
RE : You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 
XXXX XXXX - XX/XX/XXXX - - the inquiry was not authorized. 
XXXX XXXX XXXX - XX/XX/XXXX - the inquiry was not authorized.

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 2025-12-29 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 sent disputes to TransUnion, Equifax, and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 30 days and they have failed to respond. I am attaching copies of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2025-12-29 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: TX

Complaint narrative:
I sent disputes to TransUnion, Equifax, and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 30 days and they have failed to respond. I am attaching copies of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2025-12-29 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: TX

Complaint narrative:
After reviewing my credit report, I discovered multiple credit inquiries that were made without my authorization. These inquiries were conducted by several companies on various dates, including inquiries in XXXX and XXXX, even though I had not initiated any transactions or applied for credit with these companies. I submitted disputes to the credit reporting agency requesting verification of these inquiries, but they failed to provide evidence of written authorization or a lawful permissible purpose under the Fair Credit Reporting Act ( 15 U.S.C. 1681b ( a ) ( 2 ) ). The reporting of these unauthorized inquiries represents a violation of my rights and an improper use of my personal information. I am requesting that all inquiries that can not be verified or lack a lawful permissible purpose be removed from my credit report, and that I be provided with an updated report reflecting these corrections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-12-29 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: TX

Complaint narrative:
I am writing as a consumer under the Fair Credit Reporting Act ( FCRA ) to formally request the correction and deletion of inaccurate personal information currently reported in my credit file. Upon reviewing my credit report, I have identified discrepancies that must be addressed immediately to ensure compliance with federal law and to protect my creditworthiness and identity verification processes.

CONSUMER BACKGROUND As a consumer exercising my rights under FCRA Section 611 ( a ), I am entitled to have only accurate, complete, and verifiable information in my credit report. Any inaccurate or outdated personal information directly affects my ability to obtain credit, secure housing, and pass identity verification checks. Therefore, I respectfully demand the correction of the following items : XXXX. Outdated Address Information Currently Listed : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Note : My current residence is verified through the enclosed utility bill and bank statement. The outdated address must be removed to prevent confusion and inaccurate identity checks. 
FCRA COMPLIANCE REQUEST Under 15 U.S.C. 1681i ( a ) ( 1 ), I respectfully demand that Experian : Conduct a reinvestigation of these disputed items within 30 calendar days, as mandated by federal law.

Correct and update my personal information to reflect accurate, verifiable, and current data.

Permanently delete any and all incorrect name variations from every file associated with my credit report. 

Provide me with written confirmation of all corrections, deletions, and updates made. 
Send me an updated copy of my corrected credit report at no charge, as required by the FCRA once a dispute has been resolved. 

SUPPORTING DOCUMENTATION To assist your reinvestigation and expedite compliance, I have enclosed the following documents as verification : Government-issued photo ID ( Drivers License/State ID ) Current utility bill showing present address Bank statement confirming current XXXX and phone number Recent phone bill verifying my current contact number

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 2025-12-29 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: NC

Complaint narrative:
I am writing to dispute the following inaccuracies in my credit report. I have identified several accounts that are incorrect and require immediate attention. Below are the details of the accounts I am disputing, separated by bureau. 

CHARGED OFF XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, Balance : {$180.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, Balance : {$850.00} INQUIRIES XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX  XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
An open account on my credit report is being reported with a late payment that is inaccurate. This information does not reflect my true payment history. I disputed this error, but the credit bureau has continued to report the late payment without proper correction. This inaccurate reporting is harming my credit profile and does not comply with the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GLA Collection Company, Inc.
State: IN

Complaint narrative:
GLA COLLECT is falsely reporting on my credit. I have never had any accounts with them. Per my research GLA COLLECT is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: IL

Complaint narrative:
SOUTHWEST CREDIT SYSTE is falsely reporting on my credit. I have never had any accounts with them. Per my research SOUTHWEST CREDIT SYSTE is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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: CBC Companies, Inc.
State: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief