vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-26 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: TX

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2025-05-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian continues to report an alleged XXXX  XXXX credit card tradeline that I have repeatedly disputed under the Fair Credit Reporting Act ( FCRA ). I have never acknowledged liability or ownership of this account and have lawfully requested its deletion due to lack of verification under FCRA 611 ( a ) ( 5 ). 

On XX/XX/year>, I sent Experian a certified dispute and legal demand letter, which was delivered XX/XX/XXXX. The letter cited FCRA 611 ( a ) ( 1 ), 611 ( a ) ( 5 ), 611 ( a ) ( 7 ), and 611 ( d ), demanding : Verified method of investigation Permanent deletion of the tradeline if unverifiable An updated credit report showing the correction Despite this, Experian has not provided any verification, has not deleted the tradeline, and continues to report it as valid with the remark : Account previously in dispute investigation complete, reported by data furnisher. This is materially false and misleading. 

On XX/XX/year>, I submitted a second, final legal demand letter. This letter also addressed Experians additional violations, including : Placing a fraud alert on my report without consent Sharing that alert with Equifax and TransUnion, in violation of FCRA 604 and 605A Removing the federally required dispute notation, in violation of 623 ( a ) ( 3 ) As a result of these failures, my credit score has dropped by over XXXX points, and I was denied a vehicle loan. Experian has refused to correct this matter and continues to mishandle my dispute in violation of multiple FCRA provisions. I am requesting enforcement action and permanent deletion of the tradeline, along with confirmation that the unauthorized fraud alert has been removed from all three bureaus.

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 2025-05-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I noticed a {$15.00} charge on my credit card from XXXX on XX/XX/XXXX. This company had previously made an unauthorized charge on a different credit card on XX/XX/XXXX. At that time, Capital One immediately credited the amount back to my card and directed me to replace that card with a new one in order to avoid any further unauthorized charges from XXXX. I went through the time-consuming hassle of replacing that card and updating my accounts with my new card. XXXX should have never been allowed to make a charge on a credit card that they do not have on file. Capital One should have never allowed that charge to post as I followed their directives to replace my card. I do not understand why Captial One had allowed charges to be made on my old cancelled card and then transferred those charges onto my new card. I reported the unauthorized charge on XX/XX/XXXX and followed up on XX/XX/XXXX, and Capital One still has not adjusted {$15.00} off my card. They now have a new process of not crediting back unauthorized charges until an investigation has been completed, and the timeline for completion is open ended. This company has instructed their customer service representatives to lie and state that they have not implemented a new process and that this process has always been the norm. This company has stolen {$15.00} from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: SC

Complaint narrative:
Im reaching out to dispute fraudulent accounts resulting from a data breach. In compliance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and remove them 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 XXXX XXXX XXXX XXXX XXXXXXXX XXXX SC XXXX Please delete and block the following accounts from my credit report Accounts XXXX - Account Number : XXXX * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$370.00} XXXX - Account Number : XXXX * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries XXXX XXXX Date : XX/XX/XXXX XXXX CARD Date : 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 2025-05-26 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: FL

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, multiple unauthorized charges totaling {$25000.00} were made at XXXX XXXX XXXX using my Synchrony XXXX XXXX XXXX. I did not authorize, participate in, or benefit from these purchases. 

I reported the fraud to Synchrony on XX/XX/XXXX and contacted the merchant on XX/XX/XXXX. Synchrony opened an investigation. 

The merchant, XXXX XXXX, issued multiple large charges and then processed refunds before charging the card again, this pattern occurred several times. Eventually, some of these charges were reversed, and the final disputed amount was reduced to {$10000.00}. However, I was still held responsible for that remaining balance. 

My credit limit was {$9000.00}, yet more than {$25000.00} in charges were allowed during this period. This raises serious concerns about how these transactions were approved, especially considering the merchant charged, refunded, and recharged the card multiple times in a short span. I did not authorize any of these transactions, nor did I benefit from them. 

On XX/XX/XXXX, Synchrony denied my fraud claim, citing only : You authorized, participated in, or benefited from the purchase. 

I believe my identity was compromised, during a hotel room burglary on XX/XX/XXXX, in XXXX XXXX. My laptop and personal items were stolen, and I filed a police report for the incident. I also filed a second police report specifically documenting the fraudulent charges on my account.

Despite providing both reports and following Synchronys procedures, my claim was denied without acknowledgment of the theft or identity misuse. I am only making minimum payments under protest to protect my credit score.

I am requesting that the Consumer Financial Protection Bureau assist in reopening this case and holding Synchrony accountable for investigating this matter properly.

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 2025-05-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: V and H Portfolio
State: TX

Complaint narrative:
VANCE AND HUFFMAN LLC A balance of {$650.00}. I am unaware of this debt and did not have opportunity to dispute this account. If you believe you sent proper notification, Please provide Certified Mail with receipt displaying my signature. If not, Please delete this from all three credit bureaus account or I will have to take Legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: IL

Complaint narrative:
" I am disputing multiple accounts listed on my TransUnion credit report that contain inaccurate, unverifiable, or misleading information. These include charge-offs and collection accounts from XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  and XXXX. I have requested verification, but I have reason to believe these accounts may be inaccurate or improperly reported. ''

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 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 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: TN

Complaint narrative:
To Whom It XXXX Concern : I am submitting this complaint regarding Equifax 's failure to properly investigate my consumer report dispute, in direct violation of their obligations under the Fair Credit Reporting Act ( FCRA ). On XX/XX/year>, I filed a formal dispute with Equifax to correct fraudulent and inaccurate information appearing on my consumer report. Instead of conducting a proper investigation, Equifax responded with a stall letter that neither addressed my dispute nor took steps to resolve the inaccuracies. 

I am aware that the CFPB has recently filed a lawsuit against Equifax for these very same practices namely, their systemic failure to properly investigate consumer disputes. I am a direct victim of this misconduct. 

As a XXXX veteran who suffers from XXXX, this experience has been extremely stressful and emotionally triggering. I am currently in the process of closing on a mortgage, and I am under strict time constraints with only one week remaining to finalize my home purchase. Equifaxs refusal to lawfully process my dispute is putting my homeownership at serious risk, compounding my stress and potentially causing irreparable harm to my financial future. 

I respectfully request that the CFPB take immediate action to ensure Equifax fully complies with the FCRA, properly investigates my dispute without further delay, and removes the fraudulent and inaccurate items from my consumer report. I also request that Equifax be held accountable for the injury and distress they have caused. 

I am attaching supporting documents, including copies of my dispute submission and Equifaxs stall letter, should you require further evidence of their noncompliance. 

Thank you for your immediate attention to this urgent matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 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.

Complaint narrative:
I recently received a copy of my credit report and noticed several missed payments and unauthorized enquiries 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 2025-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital one {$480.00} XX/XX/year> - opened date XX/XX/year> - closed date Account status - closed This is still being reported on my credit after it was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: FL

Complaint narrative:
Im reaching out because there is an account showing up on my credit report that does not belong to me. Its clear this account has been mistakenly mixed into my credit file, and I need this fixed immediately.

This is someone elses account not mine and it has absolutely nothing to do with me. Ive never opened it, never authorized it, and Im not responsible for it in any way.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 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: NY

Complaint narrative:
Equifax is not above the law as in FCRA, specifically 15 U.S.C. 1681i, This letter contained a formal dispute of inaccuracies and non-compliance regarding specific accounts listed on my credit report. I requested that Equifax remove these accounts based on the FCRA 's provisions. Note : Please provide your attorney with a copy of this dispute letter.

To date, Equifax has failed to : Provide an updated copy of my credit report following my dispute, as required by law. Respond to my dispute within the mandated timeframe ( 45 days ) as outlined by the FCRA accounts, as I believe more than 270 days ( approximately 9 months ) have elapsed since my initial dispute. I understand that under the FCRA, specifically 15 U.S.C. 1681i, Equifax has a legal duty delete the disputed Accounts is more then 9 months Equifax 's failure to adhere to these requirements has resulted in continued inaccuracies on my credit report, which negatively impacts my ability to obtain credit and other financial services. I have included the following information for your reference : A copy of my original dispute letter sent to Equifax on XX/XX/XXXX. 
Include any other relevant documentation, such as certified mail receipt, tracking information, etc. 

These accounts should have been deleted. 45 days after the original complaint. XX/XX/XXXX. 

XXXX XXXX XXXX XXXX Account XXXX Account number XXXX * * * * * * * * - * * AccounXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: IL

Complaint narrative:
I was trying to make a payment to my credit card account but the account needed prof from cashapp that that was my account. Cashapp said they dont send letters for proof to banks. In result my credit card was closed due to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: MO

Complaint narrative:
I just recently looked at my credit report on XX/XX/XXXX. I saw some hard inquiries that did not have permissible purpose. 
Inquired on XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXXXXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b Inquired on XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXXXX  : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b Inquired on XXXX XXXX, XXXX, XXXX XXXX XXXX  : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b Inquired on XX/XX/XXXX, XXXX XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX  : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b Inquired on XX/XX/XXXX, XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b Inquired on XX/XX/XXXX, XXXX, XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b Inquired on XX/XX/XXXX, XXXX XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b Inquired on XX/XX/XXXX, XXXX XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b Inquired on XX/XX/XXXX, XXXX XXXX XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b Inquired on XX/XX/XXXX, XXXX XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b Inquired on XX/XX/XXXX, XXXX XXXX XXXX  : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: PA

Complaint narrative:
I can no longer access my information from the years XXXX to XXXX ( the date the lawsuit is going back to ... Cash App closed my account before XXXX but after XXXX. 

I tried filing claims against the hackers because there were quite a few transactions. They refused my claims every single time and the entire reason they closed my account was because they didn't want to give me my money back. They literally told me that I filed too many claims against the hackers ( What?!!! ) Now the lawsuit is finding out that the company itself was hacked and that's why everyone else was. 

I should have been the XXXX person to be part of this lawsuit due to how many times i was hacked. Each hack was at least {$200.00} but there might have been XXXX for {$400.00} although I'm not certain. 

How is it legal for them to close my account over something like this? And then not get me involved with the lawsuit? 

I'm only asking for the money that they owe me and assure you.It 's less than a XXXX dollars, but it's at least {$600.00}, maybe more. 

I have tried downloading the app, logging in and looking for my history but it's no longer there. 

I've heard that the CFPB can really help people, whether or not a lawsuit is ongoing or even if " eligibility '' is questioned. 

I would have filed this long ago but didn't know I could. Im on XXXX and I'm XXXX so I get a " pass '' with that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: MD

Complaint narrative:
Experian is in violation of federal law, specifically 15 U.S.C. 1681b ( a ) ( 2 ), which clearly states that a consumer reporting agency may only furnish a consumer report with the written instructions of the consumer.The following account has been illegally furnished on my consumer report : XXXX  XXXX XXXX XXXX. # XXXX ; Date Opened : XX/XX/year> ; Balance : {$18000.00} Experian has unlawfully disclosed my nonpublic personal information to third parties without my explicit consent in violation of 15 U.S.C. 6802 ( a ) & ( b ). Experian never provided me with a clear and conspicuous opt-out notice before sharing my personal data. Experian have conducted a fraudulent investigation, failing to properly verify the disputed accounts. Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax is required to conduct a reasonable reinvestigation, yet no direct interview or proper verification process was conducted with methe only authorized source of validation.

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