vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-25 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: NV

Complaint narrative:
The three major agencies are reporting unauthorized fraudulent hard inquiries on my credit report. please see attached dispute letter and FTC report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am submitting new evidence showing that 90-day late marks were falsely moved to new months post-dispute. These alterations were not based on factual records and directly violate FCRA 1681i ( a ) ( 5 ) ( A ) and 1681e ( b ). Notably, the months marked 90 days late do not have any prior or subsequent 30- or 60-day lates, which is irregular and impossible under Metro 2 reporting XXXX. XXXX identical Dept. of ED / XXXX account was deleted, but others with the same data and servicer were marked as verified. These were then altered with newly inserted derogatory marks in months that were previously marked OK. This demonstrates inconsistent reinvestigation outcomes and furnisher misconduct. I attached a legal Method of Verification ( MOV ) demand letter requesting full ledger validation and verification documentation. This was ignored. The dispute includes new, material information not submitted previously and reveals potential retaliatory behavior following my exercise of FCRA rights. Immediate reinvestigation is required 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 2025-05-24 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
I called Synchrony Bank on XX/XX/year>, at XXXX today, to ask about making a payment with a money order. The rep instructed me not to remove the perforated stub the part meant to be kept for proof and tracking. When I explained that the stub is for my records, the rep became defensive and dismissive.

Im concerned that Synchronys reps are giving instructions that violate standard financial practices and could expose customers to fraud. With the stub, someone could potentially duplicate, cancel, or redirect funds from the money order. This raises red flags about either internal training issues or possible misconduct.

I want to ensure other consumers arent put at risk or misled into surrendering their only proof of payment.

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 2025-05-25 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: NC

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-24 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: MN

Complaint narrative:
TransUnion and Experian have not repaired my reports. All of my student loans continue to show I am 120 days delinquent on all XXXX of my loans. When my loans came due to be paid, I was never notified by XXXX, they were my loan servicer. I never received any documentation from XXXX because they sent the documents to an address that did not belong to me. According to XXXX, they stated my loans went into repayment in XX/XX/XXXX. However, I was never notified. However, I received an email on XX/XX/XXXX, indicating that XXXX was my student loan servicer, with instructions on utilizing their website for payment. I have attached that email to this complaint. This suggests that the CRAs did not appropriately investigate my issue and continued ignoring my many requests. Upon further investigation, I found several more discrepancies in my reports. XXXX thing I find very concerning is that TransUnion never implemented my ID theft flag on my credit report. 
Furthermore, they are the only CRA currently reporting bankruptcy and other items I have disputed based on the last credit report they sent, which was completed on XX/XX/XXXX. They continue to report my XXXX XXXX card with late payments when my other reports show all on-time payments. Experian continues to report that my student loans are also delinquent for 120 days, suggesting they did not investigate my issues with this loan servicer.

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 2025-05-25 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: NC

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 reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. 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
Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MS

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.

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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: WV

Complaint narrative:
I have disputed this information ( 3 ) times and requested debt validation and accounting statements. All 3 credit bureaus validated without investigation. Company has failed to provide proper validation To date this debt has not been able to be verified. All 3 credit bureaus are reporting different information. According to the FCRA 15 USC 1692g failure to provide debt verification and requesting account statements in grounds to have this removed. Since this has been disputed and ignored ( 3 ) times, please delete from all 3 credit reports. Also - one credit agency showing " closed account '' and other 2 credit agencies are showing " Open ''. The fact that this can not be verified and is reporting false and different information is damaging.

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 2025-05-25 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: WV

Complaint narrative:
I have disputed this information ( 3 ) times and requested debt validation and accounting statements. All 3 credit bureaus validated without investigation. Company has failed to provide proper validation To date this debt has not been able to be verified. All 3 credit bureaus are reporting different information. According to the FCRA 15 USC 1692g failure to provide debt verification and requesting account statements in grounds to have this removed. Since this has been disputed and ignored ( 3 ) times, please delete from all 3 credit reports. Also - one credit agency showing " closed account '' and other 2 credit agencies are showing " Open ''. The fact that this can not be verified and is reporting false and different information is damaging.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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: AZ

Complaint narrative:
Hi Experian, XXXX. XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Az XXXX XXXX Experian, Writing regarding the account on my credit file with XXXX XXXX XXXX Account number : XXXX I have already paid this account and the company XXXX XXXX XXXX HAS agreed to close the account and remove it from my credit file. 
I will submit the proof in wiring which I received from XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Since the beginning of the year, Citi Cards/XXXX  no longer accepts electronic payments from my bank, XXXX. As a result, my mailed checks from XXXX has arrived XXXX days late, thus causing unnecessary interest charges, late fees, etc., plus this has damaged my credit. No one at Citi can tell me why? Ive been a customer of theirs since XX/XX/year> and they could care less about me or my issue. No phone rep that Ive talked to can tell me WHY they no longer accept electronic payments and I want to know why? Im getting ready to cut-up my card as I am completely frustrated. I have spent too many hours on the phone with XXXX and Citi!!!!!!

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 2025-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
I am filing a compaint against cashapp ( Block Inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Futhermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I was offered to apply for a credit card at my dentist office in XXXX Fl. XXXX XXXX 
The secretary offered to assist me in paying for service by applying to Care Credit. She told me that I was approved for XXXX and I could get all the work done that was needed. I chose not to do all the work but use XXXX of the credit. I paid my bill on time and looked to see my progress and discovered this enormous amount XXXX interest charge. I immediately called Care Credit customer service and was told I only had bo interest for 6 months. I was never told it was a promotional period and after the 6 months i would be charged in full for interest. I tricked, mislead and taken advantage of. I would have never agreed to the credit card had I known the truth. I feel both the dentist office and Care Credit are aware of this deceptive practice and continue to mislead people with false pretensions.

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 2025-05-25 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: MD

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-05-24 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: NY

Complaint narrative:
Experian - XX/XX/year> XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were all fraudulent accounts i never authorized or have any knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  were all fraudulent accounts i never authorized or have any knowledge of these accounts transunion - XX/XX/year> XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were all fraudulent accounts i never authorized or have any knowledge of these accounts

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 2025-05-24 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:
XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were all fraudulent accounts i never authorized or have any knowledge of these accounts Equifax - XX/XX/25 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX were all fraudulent accounts i never authorized or have any knowledge of these accounts transunion - XX/XX/25 XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX were all fraudulent accounts i never authorized or have any knowledge of these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: NY

Complaint narrative:
XXXX XXXX  XX/XX/year> XXXX XXXX Personal loan, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were all fraudulent accounts i never authorized or have any knowledge of these accounts XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  were all fraudulent accounts i never authorized or have any knowledge of these accounts transunion - XX/XX/year> XXXX XXXX Personal loan, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were all fraudulent accounts i never authorized or have any knowledge of these accounts

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 2025-05-25 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: MS

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXXc-2 ) that you, the ( Bureaus Name ) credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX, XXXX, originally reported by XXXX XXXX XXXX XXXX XXXX. The account number is XXXX and the reported balance is {$550.00}. 
This account is currently being reported as a collection account, marked seriously past due, and showing consecutive charge-offs ( CO ), yet I have not received any proper notice or validation of this debt per XXXX U.S. CXXXX  XXXXg of the FDCPA and FCRA XXXX. 
Dispute Basis : This debt is not mine, or I was never properly notified. 


I never received verification or signed documentation validating this debt. 


The payment history is inaccurate, unverified, and harmful. 

Unauthorized Inquiries : XXXX XX/XX/XXXX XXXX CO XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Obsolete Inquiries ( Over 2 Years Old or No Longer Valid ) : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These inquiries are either more than 24 months old or pertain to accounts that are no longer active. According to the FCRA, such inquiries should no longer be impacting my report. 
Requested Action : Immediately delete all listed inquiries from my XXXX credit file. 
Provide a confirmation letter reflecting the deletions. 
Provide documentation of any inquiry you deem valid, including signed authorization. 

Disputed Accounts : XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX  Acct # XXXX XXXX  Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct # 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 2025-05-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Klarna AB
State: CA

Complaint narrative:
I was charged twice by Klarna due to a system error during checkout for XXXX XXXX. I only intended to place one order. I returned the second, duplicate order, but XXXX XXXX issued store credit instead of refunding Klarna. Klarna is now demanding I pay the balance for that returned order, even though I did not receive merchandise or a proper refund. 

Ive already paid Klarna in full for the one order I kept. Ive contacted both Klarna and XXXX XXXX and explained this. Klarna continues to insist I pay the remaining balance for a duplicate order I returned, even though the merchant never refunded Klarna directly. This situation was caused by a platform error and rigid refund policy I did not agree to. Im asking for the remaining balance to be canceled on the returned order Klarna has ended communication without resolving the issue. I have already paid for the order I kept. The duplicate order was returned, but Klarna refuses to cancel the remaining balance because the merchant refunded in store credit instead of back to Klarna. I did not request store credit. Im asking that Klarna cancel the remaining payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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: TN

Complaint narrative:
Bank reporting errors are unfairly damaging my credit. Payments I made werent properly recorded, and there are clear mistakes in the amounts reported. On top of that, I was never given the 21-day advance notice before payment was due, making any late marks invalid. This violates my rights under TILA ( 15 U.S. Code 1666b ), which requires accurate billing and proper notice.

Company response to consumer: Closed with non-monetary relief