vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-01 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: NC

Complaint narrative:
Synchrony PayPal Cashback Mastercard Amount : {$110.00} Merchant - XXXX XXXX Timeline XX/XX/XXXX - Order and cancelled product and opened claim with Paypal XX/XX/XXXX - Heard from merchant through an email that the product is on its way and was advised to refuse the delivery. 
XX/XX/XXXX - XXXX  XXXX came to deliver but refused it and emailed XXXX that product was returned. 
XX/XX/XXXX - provisional credit from the bank was removed, reopened the claim and reached out to the merchant to see what is going on. 
XX/XX/XXXX _ XXXX advised that they attempted to refund but since there was a dispute it was rejected, advised to close the dispute. Called Paypal and closed the dispute. 
XXXX XXXX XXXX XXXX XXXX XXXX said they were trying to refund but Paypa keeps rejecting despite that PayPal confirmed claim closed. 
XX/XX/XXXX- Reopened the dispute with PayPal and faxed email conversations from the merchant. 
XX/XX/XXXX - Call PayPal again to confirm if they receive fax supporting documents and advised that merchant just sent another email that says PayPal withdrew their account already : Dear Customer, Thank you very much for your patience and understanding. We want to clarify that we have submitted your refund multiple times ; however, these attempts were unsuccessful, and the funds are currently held by PayPal.

As the previous dispute is now under review, PayPal will need to process the refund officially. The amount has already been withdrawn from our account, and for specific updates regarding the status of this case, we kindly ask that you contact PayPal directly. 
We sincerely apologize for the inconvenience and truly appreciate your patience and understanding. 
Best regards, XXXX XX/XX/XXXX _ reached to PayPal since a credit shows on my account and found out that this funds that I paid still being held. The agent also said that my claim was just opened last XX/XX/XXXX which was incorrect -- it was las XX/XX/XXXX .She also said that I would not get any resolution not until XX/XX/XXXX. She was rude and hang up on me. 

This issue causes financial harm and emotional distress on my end.

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 2025-11-01 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: CA

Complaint narrative:
I am submitting this complaints to dispute inaccurate information appearing on my credit report that is causing harm to my credit profile. After careful review, I have identified several items that are incorrect, unverifiable, or improperly reported and should be removed from my report. 
The address currently listed XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is incorrect. I have never resided at this location, and this misrepresentation violates 609 ( a ) ( 1 ) of the FCRA, which entitles consumers to accurate and verifiable information. 
Several accounts have been improperly reported. For instance, the XXXX  account ( XXXX ) shows a {$0.00} balance as a charge-off, and certain XXXX accounts, including XXXX Card ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as well as XXXXXXXX XXXX XXXX, XXXX, and XXXX XXXX, contain inaccuracies in balances, dates , or reporting status. Under 611 ( a ) of the FCRA, any information that can not be verified as accurate must be deleted from the consumers credit file. Additionally, 607 ( b ) of the FCRA requires that credit reporting agencies maintain procedures to ensure the maximum possible accuracy of all consumer information, and failure to verify these items constitutes a violation. 
I also dispute the hard inquiry from XXXX XXXX XXXX dated XX/XX/year>. Under 604 ( a ) ( 3 ) of the FCRA, a hard inquiry must have permissible purpose and consumer authorization, and any inquiry that can not be verified must be removed immediately. 
Given these issues,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 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: LA

Complaint narrative:
Subject : Immediate Action Required Violation of My Consumer Rights This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without 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 2025-11-01 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: LA

Complaint narrative:
Subject : Immediate Action Required Violation of My Consumer Rights This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without 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 non-monetary relief
Consumer complaint received 2025-11-01 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Upon reviewing my credit report, I discovered several unauthorized hard inquires that I do not recognize. I contacted the credit bureaus to dispute these hard inquiries and requested their removal. Unfortunately, the credit bureaus refused to remove them off my report. This issue is causing undue stress and is negatively affecting my financial standing

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 2025-11-01 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:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 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:
In response to outcome dated XX/XX/year> regarding my CFPB complaint XXXX. Experian is required to do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-11-01 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: TX

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is identity theft.

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 2025-11-01 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:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is identity theft.

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 2025-11-01 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: GA

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

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 2025-11-01 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:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

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 2025-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX. Several disputes have been made with Equifax Information Services. Equifax Information Services continues to stall/ delay the dispute process. I have repeatedly updated my address to XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Ca XXXX. I no-longer live at XXXX XXXX XXXX XXXX XXXX, XXXX, Ca XXXX. I will once again send the requested information certified. Please update my address to XXXX XXXX XXXX XXXX  XXXX, XXXX, Ca XXXX. See attached social security card with my social security number on it. My check stub with my address on it and a copy of my driver 's license. Please move forward with my concerns and disputes.SSN card front and back!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: AL

Complaint narrative:
I am filing this complaint because the collection company is attempting to collect a debt that I do not owe, and they have failed to provide proper validation required by federal law. They continue collection activities without proving the legitimacy of the alleged account, violating both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). In my dispute, I formally requested full validation under 15 U.S.C. 1692g, which requires the collector to provide competent and verifiable evidence before continuing any collection efforts. They have not supplied : A signed contract or agreement with my name and signature An itemized accounting and full payment history proving the amount they claim The name, address, and account details of the original creditor Proper proof of assignment / purchase agreement showing the collector has legal standing to collect, including chain of title from the original creditor to the current collector Despite failing to provide the above, they : Continue to pursue collection activity May be reporting inaccurate information to the credit bureaus Have not marked the debt as disputed, if reporting it Refuse to cease communication as required by law These actions constitute violations of, including but not limited to : 15 U.S.C. 1692g ( b ) - Failure to validate before continuing collection 15 U.S.C. 1692e Use of false, misleading, or deceptive means 15 U.S.C. 1681s-2 ( a ) Reporting inaccurate credit information 15 U.S.C. 1681i Failure to investigate disputed information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 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: TX

Complaint narrative:
It is very frustrating that the inaccurate accounts continue to appear on my credit report despite everything I have done. I really need these documents to be checked thoroughly so I can finally have some peace of mind and not have to deal with this anymore.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I am submitting to formally dispute inaccurate information currently being reported on my credit file. After carefully reviewing my report, I discovered multiple late payment notations that are inconsistent with my actual payment history and therefore must be corrected. These inaccuracies are both harmful to my credit profile and a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ). 
When I opened my auto loan with XXXX XXXX XXXX on XX/XX/year>, I made a commitment to maintain a consistent and responsible payment record. From the very beginning, I ensured that my payments were made on or before the due date every month, never allowing my account to fall behind. For nearly four years, my account remained in good standing, accurately reflecting my timely payments and steady financial management.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Account sold or transferred to another company
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
On Monday, XX/XX/XXXX, I called XXXX to activate my Citi AAdvantage Business card. This number was printed on the activation sticker on the front of the card. ( see attachment with photo of sticker ). 

During the call, a representative repeatedly attempted to sell me a " special offer. '' I explicitly and repeatedly declined, stating I only wanted to activate my card. Despite my repeated refusals, and request for activation, he continued talking. The representative requested my security code and address verification. Because the number was printed on the official Citi card, I provided this information to complete what I believed was standard activation.

Immediately after verifying my zipcode, he told me that I needed to call a different number to activate the card. He cited that number and hung up. When I called the number he provided to " verify the card, '' I reached " commercial sales, '' which raised immediate red flags. I hung up, called a different number on the back of the Citi card and cross-referenced it with one that I recognized online in case the card itself was a scam.

I immediately contacted Citi 's fraud department. The representative confirmed XXXX was a legitimate Citi number but did not understand my concern about the compromise to my security. When I requested to file a written complaint, I was told it would only be verbally relayed to a supervisor. 

On XX/XX/XXXX, two unauthorized charges appeared on my account. I attempted to dispute and cancel online but was led to an error card. Thus, I called Citi again to dispute the charges and cancel the card. The representative was competent ; a new card is being issued.

To be absolutely clear : I explicitly declined all offers during the activation call. I did not authorize any charges. I have now spent hours resolving charges that resulted directly from using Citi 's official activation number. That call said it was being recorded.

I am requesting : Immediate reversal of all unauthorized charges Written confirmation that no recurring charges will occur A formal investigation into Citi 's activation process and third-party vendor practices Written confirmation of the actions Citi will take to prevent this from happening to other customers This practice is unacceptable for a financial institution and appears to violate consumer protection laws regarding unauthorized charges and negative option billing.

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 2025-11-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I assert that the incorrect late payment remarks on my accounts violate 15 U.S.C. 1666. I have consistently made timely payments, and any inaccuracies in this reporting are both unjust and unlawful.

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