vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-15 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: NY

Complaint narrative:
I am filing this complaint because I am a victim of identity theft, and the credit reporting agencies Equifax, TransUnion, and Experian are continuing to report fraudulent, unverified accounts and inquiries on my credit reports, even after I provided documentation and filed official disputes. Their failure to block and remove this information violates the Fair Credit Reporting Act, including 15 U.S.C. 1681c-2, which requires credit bureaus to block identity-theft-related information within four business days of receiving proper documentation.

Despite my repeated disputes and the identity theft report I submitted, all three bureaus continue to inaccurately report fraudulent accounts and inquiries. These items were opened without my knowledge or authorization, and I am not responsible for any associated balances. The specific fraudulent information includes : EQUIFAX Fraudulent Accounts XXXX XXXX XXXX ( XXXX XXXX ) Opened XX/XX/XXXX, balance {$2700.00} XXXX XXXX ( Collection ) Opened XX/XX/XXXX, balance {$2100.00} XXXX  ( Charge-off ) Opened XX/XX/XXXX Unauthorized Inquiries : XXXX XXXX XX/XX/XXXX XXXX, XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TRANSUNION XXXX Information XXXX ( Collection ) Opened XX/XX/XXXX, balance {$2100.00} Unauthorized Inquiries : XXXX XXXX XX/XX/XXXX XXXX Auto XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX 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 XXXXXX/XX/XXXX EXPERIAN Fraudulent Information XXXX XXXX Opened XX/XX/XXXX , balance {$2100.00} XXXX XXXX XXXX ( XXXX XXXX ) Opened XX/XX/XXXX, balance {$2700.00} All listed accounts and inquiries result from identity theft. I have followed the required steps under the FCRA, including submitting disputes and an identity theft report. The credit bureaus are refusing to comply with 1681c-2, which requires them to : Block and delete identity-theft-related information, Stop reporting it to third parties, and Provide confirmation of their actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 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: CA

Complaint narrative:
I am requesting the immediate removal of the unauthorized transactions and incorrect information on my credit report. These errors stem from a data breach that compromised my personal and financial details, a situation that was beyond my control. Despite my efforts to resolve these issues, I am still dealing with the consequences of reporting failures that should have been corrected long ago. 
The fact that these incorrect and unauthorized entries remain on my report, even with clear evidence of a data breach, is completely unacceptable. This mishandling of my information is damaging my credit score, threatening my financial security, and preventing me from accessing important opportunities. I will no longer tolerate this negligence. 
I insist that you conduct an immediate investigation and remove these errors permanently. Any further delays, inaction, or refusal to comply will be seen as a direct violation of my consumer rights. I will pursue all legal remedies available under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and any other relevant laws to hold your company accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
I requested via phone call to have my Synchrony Car Care Credit credit line restored back because they randomly decreased my limit significantly and my account is in perfect status ( Was {$1700.00} credit limit paid off with zero balance and decreased to {$250.00} with perfect credit history ). I was told there would be an investigation into this request to see if I could get it restored, and then instead I get a letter that they are closing a different Synchrony Home card of mine that I have never even used with perfect history as well... They ignored my credit line increase restoration request and responded by closing another perfect account. I believe this is malicious because on the phone call I mentioned that my home card I never used and I have never had an issue with my limit being changed, and also said I was going through a mortgage loan process, and these people are hurting my credit on purpose for no reason! I have never been late on any of my credit cards and am in perfect standing with all of my accounts. I want my credit line restored to it's original amount and I want the other card reinstated!

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 2025-11-15 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I purchased an XXXX from Vest Buy in XX/XX/XXXX. There was a promotional period with no interest for 24 months, and that was one of the reason why I decided to buy the product from this store. The other one was that I already had the store card which I didn't use, so I decided to activate it again.

After the purchase I set the card for auto pay, {$29.00} each month, so I don't have to worry about making the payments on time. A week ago I checked the card to see how much I owe, and was shocked to see that the balance was {$370.00}, more than half of the price of the phone I purchased 2 years ago ( XXXX XXXX price was {$680.00} at that time ) and has been paying for it on time, for 2 years. Tried to check the statements, and the only statement available to see online was the last one, from XX/XX/XXXX. They charged over {$300.00} interest in XXXX! 
I called the Best buy credit card services, to get an explanation why was i being charged that high of an interest. The agent just read if the script they have for situations like this and apologized. He told me that the promotional period for the purchase ended in XXXX. I was never being informed about the promotion coming to an end. The balance on my card was {$150.00} in XXXX. If they had informed me of the promotion ending, I would have paid the remaining balance in order to avoid the interest. Since informing the clients about something like this doesn't benefit the bank they just kept it quiet and kept adding interest over interest. 
So I asked to speak with a manager. XXXX from Citi Bank, the bank that issues the Best buy card didn't try to find a solution at all. She told me that they don't inform clients when the promotional period ends. After I told her that I my account is set to get statements online, she said that " It was probably in one of the statements ''. When I asked her to lower the balance since I paid everything on time, sh said they can do that. They don't reverse the interest. But if it was during a 60 day period, they would have been able to do something.

Since I don't want to keep paying the interest I decided to pay the balance. I am calling the bank again requesting all the statements from XXXX, since the Best buy website has very little information on the credit card account. Very unfair, very disappointed to be a regular with my payments and still get charged crazy interest.

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 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Giggle Finance Inc.
State: GA

Complaint narrative:
XX/XX/XXXX GIGGLE FINANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TO WHOM IT MAY CONCERN, This notice is to inform you that you unlawfully reported an UNAUTHORIZED ACCOUNT on my CONSUMER report. I have not given you written permission to put anything on my credit profile. You have no permissible purpose by law to contact third parties with my private or personal information 15 U. S. Code 6802 ( b ) -Obligation With Respect To Disclosures Of Persona Information. A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless such financial institution clearly and conspicuously discloses to the CONSUMER, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; the CONSUMER is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and the CONSUMER is given an explanation of how the CONSUMER can exercise that nondisclosure option. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

I am writing this letter to DISPUTE the following INQUIRIES FROM THIS COMPANY : GIGGLE FINANCE, DATE : XX/XX/XXXX... 

This agency is in violation of the 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. As my right to Privacy and Consent 15 U. S. Code 1681 ( a ) ( 4 ) There is a need to insure that CONSUMER reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the CONSUMERS right to privacy. Therefore, the following ACCOUNT must be DELETED from my CONSUMER credit report IMMEDIATLY...

I DEMAND the following INQUIRY : GIGGLE FINANCE, DATE : XX/XX/XXXX be UPDATED AND DELETED IMMEDIATLY...

Company response to consumer: Untimely response
Consumer complaint received 2025-11-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

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

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

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 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: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: CA

Complaint narrative:
This is a follow-up complaint regarding Equifax 's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( XXXX ), Truth in Lending Act ( TILA ), and the XXXX  Act ( XXXX  ). Despite my previous disputes, the same problem remains unresolved. Equifax has repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ). 
Under XXXX Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the XXXX imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data. 
Additionally, under the Truth in Lending Act ( XXXX ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Equifax to potential regulatory and civil liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There has been a couple accounts on my credit report I need to be removed they have not been settled violated by a violation 1602 c 15 USA

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 2025-11-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Paramount GR Holdings, LLC
State: CA

Complaint narrative:
Recently, my family and I have been significantly impacted by the ongoing government shutdown, which has been in effect since XX/XX/XXXX. To manage our financial situation during this challenging time, we have deferred other loan payments by a month or two and have been living on the bare essentials. 

However, despite our efforts, Good Leap has refused to provide any assistance or flexibility regarding our solar loan payments. Their actions have escalated to the point of being nearly harassing, including frequent phone calls, threats to disable our solar system, and leaving notes at our door. These actions have caused additional XXXX  during an already difficult time. 

If this behavior continues, we may have no choice but to pursue legal action. Please understand that we fully intend to catch up on our payments as soon as I receive my government paycheck, which is currently delayed due to circumstances beyond my control. As of XX/XX/XXXX, I am still waiting for my paycheck.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
On XX/XX/year>, I was approached inside XXXX XXXX in XXXX XXXX by several individuals who appeared to be students collecting {$1.00} donations for a school soccer team. I agreed to donate {$1.00} and completed a {$1.00} payment using XXXX XXXX on my phone. 

Later, I discovered that the merchant had actually processed a {$1000.00} charge to a TV repair business in a different city. The amount I authorized ( {$1.00} ) was not the amount processed ( {$1000.00} ). This is a classic deceptive donation scam. 

I contacted the XXXX XXXX Police Department and filed an official fraud report, which the department accepted as a criminal scam case ( tracking number XXXX ). The police confirmed that this type of donation scam has been occurring in local malls and that I am a crime victim. 

I also contacted XXXX, the payment processor. XXXX confirmed that this patternasking for a small donation and charging a much larger amountis a known scam on their platform, and that the issuing bank must reverse the charge. 

However, my issuer ( Robinhood ) refused to reverse the charge, stating only that XXXX XXXX was used on your device, even though federal Regulation Z says that a transaction is unauthorized if the amount differs from what the consumer agreed to. I only agreed to {$1.00}. 

The issuer also refused to provide the XXXX XXXX Device Account Number, which is required to retrieve the XXXX receipt and confirm the fraudulent merchant. This prevented me from gathering full evidence and shows that the investigation was incomplete. 

I am requesting CFPB assistance because my issuer denied a clearly fraudulent overcharge despite police confirmation, processor confirmation, and federal consumer protection rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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:
Two accounts that are entirely unfamiliar to me are appearing on my credit report under my name. I did not authorize, open, or manage either account, and their inclusion falsely portrays my credit history. This situation is unacceptable and has caused serious concern about how these accounts were reported in my name.

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 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
My complaint remains unresolved. Requesting immediate deletion XXXX own response shows Start Date XX/XX/year>. This is past the 7-year limit under FCRA 605 ( a ). Account is obsoletedelete. Southwest Credit Systems provided billing statements but XXXX stated it does not report to credit bureaus, yet SWC continues to furnish tradelines. Under FCRA 623 and FDCPA 809 ( b ), this is impermissible. Requesting immediate deletion XXXX own response shows Start Date XXXX. This is past the 7-year limit under FCRA 605 ( a ). Account is obsoletedelete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 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: TX

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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