vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Without my knowledge, a credit card account was opened fraudulently in my name by my XXXX while he was living with us. Upon my XXXX XXXX XXXX I received the first account statement I had ever seen. I contacted Synchrony bank to report the fraud and the bank informed me that the statements were being sent to my XXXX XXXX email and that payments were being made by my XXXX up until his XXXX  The bank performed their fraud investigation and stated that they were unable to approve the claim due to the following : 1 ) The account had been opened for more than twelve months with the statements sent to me. I never received any statements so this is not true.

2 ) Payments have been made by you on this account. I was never aware of this account so I never made a payment on the account. This statement is also false.

3 ) You authorized, participated in, or benefited from the purchase. I have never received a statement so I am not even aware of what purchases were made. This statement is also false. 
I have tried to work with Synchrony Bank to resolve this matter but they have continued to make these false statements and have ruined my credit rating.

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 2025-05-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV

Complaint narrative:
I filed an auto claim with USAA regarding a pole I hit at storage. This was filed XXXX. The claim was approved and finally cut a check for {$2500.00}. I had to drive from XXXX XXXX to find the check they sent. I did a mobile deposit depositing it into my checking acct ( which I've had with USAA for over XXXX ) so I could buy parts to fix my truck. After I deposited the check they put a 13 day hold on the check that they issued. No one could answer my questions as to who why what where & when. I called and got the run around. The next day I called to get it released and was told that's not possible until the XXXX. They told me because I might be over drafted. Well I will be over draft now for sure. I only get paid once a month and I will get paid again before they release the check. They wrote the check to me to fix my truck and then put a long hold on it that no one can release ( they say ). When I asked to speak to someone who can release the hold they couldn't transfer or even tell me who to speak to. So now I'm stuck at the lake waiting to eat etc etc and buy parts. The lake is approx XXXX miles from XXXX XXXX and USAA only has one branch located in Texas. I am currently stuck where I am for the moment until I get paid or they release the hold. I can not buy food or even go to town until I get money. Now why would a bank issue a check that I'm trying to deposit with them to take care of things and then put a hold on it for so long? 

Their so called over draft concern is now being caused by USAA. Any concern they have regarding the past over draft was due to getting double billed by XXXX XXXX XXXX and XXXX XXXX not anything I have done. I have corrected their mistakes and even received the over draft fees refunded to me.

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 2025-05-20 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: FL

Complaint narrative:
I am concerned about the val

idity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful rec
ord of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-05-20 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: FL

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, my Proof of Address, and SSN Card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: WV

Complaint narrative:
XX/XX/year> : {$760.00} unauthorized purchase from a XXXX XXXX in Michigan on my account XX/XX/year> : I immediately freeze my account and request a new card, which was very inconvenient because I was on a XXXX XXXX in Virginia. I also called the store on this date but they informed me there was nothing they could do. 

XX/XX/year> : I returbed home from trip and filed a dispute with chime. Waited 2 weeks only to be told via email that there was nothing indicating it was fraud. 

XX/XX/XXXX : spoke with a representative, reopened dispute and submitted paperwork showing I was at a cabin in VA during this time period. Waited a week or so, denied again. 

XX/XX/XXXX : I filed a police report and called chime again and submitted police report. Was told i was eligible for a temporary credit and would be getting my money back in the coming week. 

XX/XX/XXXX : dispute denied AGAIN via email. 

XX/XX/XXXX : called chime again. They apologized, said there was a human error, re opened the claim making sure all paperwork including police report was included. Told again I was eligible for a temporary credit and would ve getting my money back within a week. 

XX/XX/XXXX : dispute denied again. Here filing complaint now and will likely go to small claims court this week.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MO

Complaint narrative:
( 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 2025-05-20 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: CA

Complaint narrative:
Im writing because my credit report includes incorrect personal information, which is leading to accounts and items that dont belong to me. This is not an error or misunderstanding. My file appears to be mixed with someone elses, and Ive identified multiple entries that I have no connection to. This situation is deeply upsetting and has caused unnecessary stress.

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 2025-05-20 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: KS

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

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 2025-05-20 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: MI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
In XX/XX/XXXX, I filed for XXXX  XXXX bankruptcy and received a discharge in XX/XX/XXXX. Several credit accounts, including those from Citi and XXXX XXXX, were included in the filing and are listed on my bankruptcy schedules. 

Before my dispute, my XXXX  credit report correctly showed a long history of Current ( on-time ) monthly payments for my Citi accounts , covering multiple years up to the bankruptcy filing. After submitting a dispute in XX/XX/XXXX, XXXX  removed this accurate history and replaced every month from XXXX  to XXXX  with Unknown, effectively erasing all positive payment history. I did not dispute those months, and no reason was provided for why verified Current entries were replaced. This change is both incomplete and misleading. 

Additionally, my XXXX XXXX account is reported by XXXX  as In Collection, even though it was clearly included in my bankruptcy case and appears correctly on my XXXX  credit report as Included in Bankruptcy. This contradicts the bankruptcy discharge protections and creates the false impression that I have post-bankruptcy collection activity. 

I submitted documentation including my bankruptcy filing, discharge, and creditor schedules to XXXX  and requested both correction and reinvestigation. As of this filing, no resolution has been provided, and my credit file remains inaccurate and misleading. These errors are harming my credit score and misrepresenting my creditworthiness to potential lenders. 

I request immediate correction of these reporting inaccuracies and confirmation in writing that the issue has been resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX account XXXX I am unaware of this debt and did not have the 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 account XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
In early XXXX, I discovered that a Capital One credit account had been opened in my name without my knowledge or authorization. Although I did not open or use this account, I was forced to pay off a balance of {$500.00} after the account was closed in order to prevent further damage to my credit. 

Around the same time, I also found that a XXXX XXXX account had been opened fraudulently. I did not apply for this account, nor did I authorize anyone to do so on my behalf. 

In addition to the unauthorized accounts, my credit report showed more than XXXX hard inquiries from companies I have never done business with. These inquiries came from XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, and several others. These inquiries began appearing throughout XXXX and into XXXX. I did not apply for credit with any of these companies. 

Once I noticed the suspicious activity, I filed an identity theft complaint through the FTC and began disputing the fraudulent accounts and inquiries. I am now working to have all fraudulent accounts and inquiries removed or blocked in accordance with the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: OR

Complaint narrative:
My sister was scammed into sending {$1100.00} in XXXX via Cash App after a scammer posed as a customer needing a business transaction via XXXX. They manipulated her into screen sharing and accessing her device. This led to unauthorized access to her banking, email, and ID information. 

We reported this to Cash App ( XXXX # XXXX ), but they refused to escalate beyond general support, citing that XXXX payments are final. This is not just a mistake this was a case of identity theft, social engineering, and financial fraud. 

We are requesting an escalation to Cash Apps fraud/risk department and a review of their handling of this situation. A police report has been filed and reports to FTC and XXXX are also being submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
Santander consumer XXXX XXXX XXXX XXXX Texas XXXX XXXX 
XXXX consumer XXXX Bank. 
Someone is using my inheritance in XXXX and trading it into money. Also they are using my identity here in the United States as a president of the United States. 
My CD should have already covered my account the XXXX. On my account information it says estimate payoff by XX/XX/XXXX. XXXX, XXXX My CD should have already paid it off I had a CD. It was XXXX. The car should have been paid off already in XXXX XXXXXXXX XXXX 
Believe that they are testing my money while I'm paying. The bank and this company has not yet send me my information of payments they have been fraud and stealing my money and in conspiracy. XXXX is also involved in the city of XXXX for selling me my XXXX XXXX XXXX. 
I XXXX XXXX XXXX XXXX XXXX, wants refund from vehicle and company, Banks restore credit and also all the injuries place on me because of barrowers made enemies please make corrections and place them back on illegals missing my my accounts illegally forgery conspiracy placed back correctly. 
Those that have done fraud and corruption to my accounts and illegally barrowed loans from my account with out permission. Need to be dismissed.from XXXX XXXX XXXX XXXX. My c.d should of already paid off my cars XXXX XXXX XXXX XXXX XXXX XXXX/ and homes. 

XXXX XXXX de XXXX XXXX XXXX XXXX Elected by federal elections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: GA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: GA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: KY

Complaint narrative:
FCO called me on XX/XX/year> and left a voicemail. I returned the call and they started asking for personal information to pull up my account, including SSN, phone number, and Date of Birth. 
After a lengthy search they could find nothing in my name and assured me they would remove my phone number from their list. 

The same agent called again on XX/XX/XXXX and we went through the exact same process- asked for sensitive information and couldn't find any account.

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 2025-05-20 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: Experian Information Solutions Inc.
State: TX

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 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 2025-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: AVANTE
State: FL

Complaint narrative:
They called and asked to speak with me I stated it was me then she wanted to verify my DOB and that we were on a recorded line, I said I am not providing my DOB I am not sure who I am speaking with, she stated this is Avante USA and we will get to the details later. I stated I dont know who this is or why you calling and I am not verifying anymore information, and she hung up the line. In conclusion I do not have any debt with this company and they call multiple times, I have never received any correspondence.

Company response to consumer: Closed with explanation