vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2025, I submitted a formal complaint ( CFPB Ref : XXXX ) concerning multiple inaccurate or unverifiable tradelines on my TransUnion credit report. These included accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and the now-deleted XXXX  ( XXXX ) account. 

TransUnion responded with a generic interim notice stating that they are " still working on my issue, '' but they have not provided a final response, supporting evidence, or completed reinvestigation as required under the Fair Credit Reporting Act ( FCRA ) 1681i. 

I am requesting that the CFPB enforce compliance and transparency. TransUnion is legally obligated to provide : A timely reinvestigation result within 30 days. 

The Method of Verification ( MOV ) under FCRA 611 ( a ) ( 7 ) for each item not corrected. 

A copy of all documentation used to verify the accounts in question. 

Failure to provide this information violates federal law and materially harms my creditworthiness.

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: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I submitted a legal demand letter to Experian on or around XX/XX/XXXX regarding the deletion of an unverified account that appeared on my XX/XX/XXXX credit report but was removed from my XXXX report. Instead of addressing my demand, Experian opened a dispute on a completely different account ( XXXX XXXXXXXX ), which I never authorized or requested. 

This misdirection failed to address my actual complaint and appears to be a bad faith attempt to avoid liability for FCRA and FDCPA violations. I experienced emotional distress and credit denial due to the original reporting of inaccurate and unverified information. I am requesting statutory damages and accountability for Experians failure to properly investigate and respond.

Although, my initial demand letter had errors concerning the exact account names, that is not a valid reason to ignore my concerns for invalid accounts being on my credit report and later removed. The accounts I am requesting damages for are 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 explanation
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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am sending this complaint in response to your current evaluation. I have to pursue my efforts to resolve this matter which require intentness to my personal credit report. I am frustrated and feel there is error that is still reported on my personal credit report which is not clearly stated as to the accuracy and completeness of the information. 

At this time, I solely seek the remedy to my personal credit report and dispute the remaining account to be XXXX XXXX XXXX XXXX XXXX

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
See attached. Removed accounts. Send to Experian. Equifax, and Transunion

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 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: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
Hello, On XX/XX/XXXX, I purchased furniture from XXXX XXXX and financed it through Synchrony Bank for approximately {$3300.00} under what I understood to be a 24-month no-interest promotional plan. I promptly set up autopay through Synchrony Bank, assuming it would pay down the balance evenly within the promotional period. Each month, the payment was automatically deducted from my bank account, and I verified that these payments were occurring on time. 

On XX/XX/XXXX, I was shocked to receive a statement email from Synchrony Bank stating that I still owed a balance of {$3300.00}, and that only {$120.00} would be withdrawn next month. This prompted me to investigate further. I was unable to access my Synchrony account online, so I visited XXXX XXXX to review the original invoice. I then contacted Synchrony Bank and was informed for the very first time that the autopay had only been covering the minimum monthly payments, rather than paying down the full promotional balance. 

This was a complete surprise. At no point during the autopay setup or through statement communications was it made clear that only the minimum payments would be deducted. I reasonably assumed that autopay would ensure the promotional balance was paid off within the 24-month period. There was no alert, warning, or notification indicating I was at risk of not meeting the promotional terms. 

I acted in good faith and made every scheduled payment on time for over two years. The large interest charge now applied after two years of consistent payment activity, it feels misleading and unfair especially given the lack of clear disclosure regarding how autopay functions under promotional financing terms. 

Upon reviewing recent statements, I discovered the following unexpected interest charges : XX/XX/XXXX : {$2000.00} XX/XX/XXXX : {$88.00} XX/XX/XXXX : {$84.00} XX/XX/XXXX : {$86.00} This totals {$2300.00} in interest charges. These were never anticipated, as I believed the account was being paid down in line with the promotional agreement. 

I am respectfully requesting that Synchrony Bank reverse the interest charges and allow me to pay off the remaining balance without penalty, I will pay off the remaining balance in full. I believe this situation resulted from a lack of clear communication and misleading assumptions created by the autopay setup not any intent to avoid repayment. 

Thank you for your time and consideration.

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: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Unauthorized Withdrawal from Custodial Account by Bank of America Description of the Issue : I am filing this complaint to report an unauthorized withdrawal made by Bank of America of {$1200.00} from a custodial account deposit account ending XXXX that I manage on XX/XX/year>. The funds were taken without my consent and applied toward a debt associated with a separate business account in my name. 

This custodial account was opened for the benefit of a minor, and I serve solely as the custodian. As such, the funds in this account are not my personal assetsthey are the legal property of the minor beneficiary. Custodial accounts are protected under state and federal law and are intended to be used exclusively for the minors benefit. 
A custodian is not permitted to use the funds for their own debts or obligations. 

Despite this, Bank of America seized funds from the custodial account to satisfy a business-related balance. This action violates the purpose of a custodial account and constitutes a breach of fiduciary duty. I did not authorize this transaction, nor was I given advance notice that funds would be withdrawn from this protected 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 2025-05-24 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: TX

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I need to visit the FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA XXXXection 605b Credit Reporting Agencies and I found out that you are required to investigate any items listed on an id theft report. Please find the ATTACHED documents to assist in the investigation of the erroneous information that is being posted to my report. The following are the compilation of items that are not associated with me or have been initiated without my authorization. 
XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXXXXXX Balance {$15000.00} 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 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: TX

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I need to visit the FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA XXXXection 605b Credit Reporting Agencies and I found out that you are required to investigate any items listed on an id theft report. Please find the ATTACHED documents to assist in the investigation of the erroneous information that is being posted to my report. The following are the compilation of items that are not associated with me or have been initiated without my authorization. 
XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXXXXXX Balance {$15000.00} 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 2025-05-24 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: IL

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 2025-05-24 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: IA

Complaint narrative:
I am submitting this complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that Experian block and permanently remove multiple fraudulent accounts that were opened in my name without my knowledge or authorization. I am a victim of identity theft and have filed a formal FTC Identity Theft Report to support this claim ( FTC Report XXXX XXXX XXXXXXXX ). 

The following fraudulent accounts are listed on my Experian credit report : XXXX XXXXXXXX XXXX XXXXXXXX Opened XX/XX/XXXX {$260.00} XXXX XXXXXXXX XXXX XXXXXXXX Opened XX/XX/XXXX {$280.00} XXXX XXXXXXXX XXXX XXXX Opened XX/XX/XXXX {$1100.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$4500.00} I did not open or authorize any of these accounts. These are the result of identity theft and are negatively impacting my credit. Please see the attached FTC Identity Theft Report and Experian account screenshots showing these items.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The items listed below are reported on my credit file and were found in my reports with the credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or valid proof that I opened, authorized, or created this. Since this is a strict violation of FCRA laws, I need the items removed from my file. 
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

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: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
J.P. Morgan Chase business has already ruined my personal credit and further has sold my debt to a collection agency and continues to send me letters!! This is unlawful and goes the fair credit act!

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Formal Dispute of Inaccurate and Unverifiable Accounts Pursuant to FCRA DEMAND FOR DELETION

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Formal Dispute of Inaccurate and Unverifiable Accounts Pursuant to FCRA DEMAND FOR DELETION

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 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: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
On XXXX XX/XX/XXXX we made a deposit to XXXX XXXX XXXX  XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. XXXX XXXX XXXXXXXX XXXX : XXXX ) to move us from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. We made two deposits of {$4700.00} to using our Synchrony Sams Mastercard. When we called to finalize details of the move with the Company we found out we had been hold was a Lie. We asked for our deposit back. No response. We reported this to synchrony bank and they gave us a credit. The company failed to pack out our XXXX goods on XXXX XXXX and never moved our goods to XXXX XXXXXXXX. We had to hire a second company to move us which we paid for in XX/XX/XXXX. I have tried to work with the credit card company since XXXX and their position is for me to pay for the Service I never received.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

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 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: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Called company representatives on XX/XX/year>. Spoke to representatives identified herself as supervisor. Stated they will extend no interest promotion by one month to XX/XX/year>. Accrued deferred interest will not be removed until balance as of XX/XX/year>XXXX  is paid in full by XXXX. Furthermore this understanding to be documented by a note on their next statement received. Received latest statement on XX/XX/year>. Promised note was not documented. 

Please provide email to send latest statement for your review and record.

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 2025-05-24 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to express serious concerns about multiple inaccuracies in my credit report. Upon reviewing the report, I discovered several errors, including incorrect account entries, inaccurate details, inconsistent billing information, unauthorized inquiries, and accounts that do not belong to me. These issues are adversely affecting my financial well-being and require immediate attention.

Company response to consumer: Closed with non-monetary relief