vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
On XX/XX/year>2025, at XXXX XXXX, I received an unauthorized text message from short code XXXX stating : XXXX XXXX XXXXXXXX XXXXDebt Collector : Find a debt payment plan that works for you. Visit PRApay.com. Txt STOP to stop txts to this #. CALIFORNIA : License Number XXXX. 

I have never provided any form of consent to XXXX XXXX XXXX for text message communications. I did not sign any written agreement, never gave verbal consent during a phone call, never completed any electronic opt-in process, and did not provide my phone number directly to the company. This violates the Telephone Consumer Protection Act ( TCPA ), 47 U.S.C. 227 ( b ) ( 1 ) ( A ) ( iii ), as the use of short code 71914 indicates the use of an automated telephone dialing system ( ATDS ) to contact my cellular phone without express consent.

Additionally, this contact is harassing and unauthorized under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692d and 1692c ( a ) ( 1 ), which prohibit communications that are not expressly consented to and occur in a manner that is unfair, deceptive, or abusive. 

XXXX XXXX XXXX is also furnishing multiple collection accounts to all three major credit reporting agencies during the period of unlawful collection activity. Specifically, they are reporting a Synchrony Bank account for {$3300.00} and a XXXX  XXXX account for {$730.00} to XXXX XXXX  and XXXX. Because these accounts are being reported during a period in which the company is violating federal collection laws, their reporting can not be considered accurate, complete, or legally authorized. This violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and related provisions, which require furnishers to report only truthful, accurate, and non-misleading information.

This demonstrates a systematic and willful pattern of noncompliance with federal law. As of XXXX XXXX, 2025, XXXX XXXX has continued to add new tradelines to my credit reports while violating consumer protection statutes, showing reckless disregard for federal compliance obligations.

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 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax Account Access Issue Company : Equifax Product : Credit reporting Issue : Unable to access or manage my online account Complaint Description : I have been unable to access my Equifax online account despite making multiple attempts over the course of several weeks. Ive contacted Equifax customer support more than three times, and the issue still remains unresolved.

Initially, I created an Equifax account under the email XXXX. I later got locked out of that account and, believing it was unrecoverable, I created another account using XXXX. 

On my first call to Equifax support, I was told to upload documents to verify my identity. After doing so, the representative said that my account would be unlocked within 30 minutes. That never happened I was still unable to log in.

On the second call, a representative sent me multiple password reset links. I was able to reset my password successfully on my computer, but when I tried to log in, it still said the password was incorrect.

On the third attempt, the same issue occurred : I followed their reset process, successfully changed the password, but was immediately told it was incorrect when I tried logging in.

Additionally, because I was concerned that this issue might be related to potential identity theft, I placed a security freeze on my Equifax account. However, I am now completely locked out and unable to access my credit file or manage the freeze.

The root issue seems to be that my account is stuck in a corrupted or broken state. When I try to reset the password, Equifaxs system sometimes says no account exists, but when I try to register a new account, it says an account already exists. This puts me in a loop where I cant log in, reset the account, or create a new one.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This filing a complaint serves as my second formal dispute regarding the account referenced below, which still appears on my credit report despite my previous correspondence. 
I am asserting my rights under the Fair Credit Reporting Act ( FCRA ), specifically 604 ( f ) 15 U.S.C. 1681b ( f ), which states : 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/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This filing a complaint serves as my second formal dispute regarding the account referenced below, which still appears on my credit report despite my previous correspondence. 
I am asserting my rights under the Fair Credit Reporting Act ( FCRA ), specifically 604 ( f ) 15 U.S.C. 1681b ( f ), which states : 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/year>

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 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

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 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
Equifax is reporting a query with my information that I don't recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the credit bureau but I never received a response from them. These accounts must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Ive been disputing the two collection accounts that are reflected on my credit report. I have documents from the courts dismissing the debt. I can upload the documents again, but it seems like the investigating parties meaning the three credit reporting agencies dont look at it or keep it the same. At this point, I believe its against my rights of the fair credit act that theyre not removing this off my credit report since its all been dismissed. I would like them to look at the court documents. See that everything has been dismissed for these two collections and remove it off my credit report. Ive been trying to get this resolved for five months. Finally was able to get court documents that it has been dismissed. This is as of XX/XX/year>.

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 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Ive been disputing the two collection accounts that are reflected on my credit report. I have documents from the courts dismissing the debt. I can upload the documents again, but it seems like the investigating parties meaning the three credit reporting agencies dont look at it or keep it the same. At this point, I believe its against my rights of the fair credit act that theyre not removing this off my credit report since its all been dismissed. I would like them to look at the court documents. See that everything has been dismissed for these two collections and remove it off my credit report. Ive been trying to get this resolved for five months. Finally was able to get court documents that it has been dismissed. This is as of XX/XX/year>.

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 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to formally dispute certain information on my credit report that I believe is inaccurate and is negatively impacting my financial well-being. In accordance with the Fair Credit Reporting Act ( FCRA ), I request that you conduct a thorough and timely investigation into these discrepancies.

It has come to my attention that the Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against Experian for failure to properly investigate consumer disputes, citing practices such as : 1. Inadequate investigations that fail to address consumer disputes adequately 2. Reinsertion of previously disputed and inaccurate information without sufficient explanation 3. Failure to properly notify consumers about the results of investigations These practices, as described by the CFPB, highlight significant concerns about the integrity of credit reporting agencies ' processes and consumer protections. Given these allegations, I am concerned that my dispute may not be handled in a manner that adheres to the legal standards set forth by the FCRA.

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 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to formally dispute certain information on my credit report that I believe is inaccurate and is negatively impacting my financial well-being. In accordance with the Fair Credit Reporting Act ( FCRA ), I request that you conduct a thorough and timely investigation into these discrepancies.

It has come to my attention that the Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against Experian for failure to properly investigate consumer disputes, citing practices such as : 1. Inadequate investigations that fail to address consumer disputes adequately 2. Reinsertion of previously disputed and inaccurate information without sufficient explanation 3. Failure to properly notify consumers about the results of investigations These practices, as described by the CFPB, highlight significant concerns about the integrity of credit reporting agencies ' processes and consumer protections. Given these allegations, I am concerned that my dispute may not be handled in a manner that adheres to the legal standards set forth by the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am formally requesting you cease and desist all communication and collection efforts regarding an alleged debt associated with my name and/or identity. Your company has contacted me regarding account number XXXX XXXX XXXX XXXX XXXXXXXX or debt alleged to be owed to XXXX XXXX which I do not acknowledge and believe may be the result of identity theft or error. 
Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692c ( c ), I am exercising my legal right to demand that your company immediately stop all further communication with me regarding this matter, except to confirm that collection efforts have been terminated or to notify me of specific legal action you XXXX intend to pursue. 
If this debt is the result of identity theft or fraudulent activity, I further request the following : XXXX. A full validation of the debt as required by the FDCPA ( 15 U.S.C. 1692g ). 
XXXX. Immediate cessation of all collection efforts pending full investigation. 
XXXX. Removal of any negative reporting related to this account from all consumer reporting agencies. 
If you continue to contact me regarding this matter after receipt of this notice, or fail to properly investigate and resolve this dispute, I will consider your actions to be in violation of the FDCPA, and I will not hesitate to file complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and/or take legal action through appropriate channels. 
Please send any future written correspondence to the address listed above. A response and confirmation of the cessation of collection activity is expected within XXXX business days of receipt of this letter.

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 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am formally requesting you cease and desist all communication and collection efforts regarding an alleged debt associated with my name and/or identity. Your company has contacted me regarding account number XXXX XXXX XXXX XXXX XXXXXXXX or debt alleged to be owed to XXXX XXXX which I do not acknowledge and believe may be the result of identity theft or error. 
Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692c ( c ), I am exercising my legal right to demand that your company immediately stop all further communication with me regarding this matter, except to confirm that collection efforts have been terminated or to notify me of specific legal action you XXXX intend to pursue. 
If this debt is the result of identity theft or fraudulent activity, I further request the following : XXXX. A full validation of the debt as required by the FDCPA ( 15 U.S.C. 1692g ). 
XXXX. Immediate cessation of all collection efforts pending full investigation. 
XXXX. Removal of any negative reporting related to this account from all consumer reporting agencies. 
If you continue to contact me regarding this matter after receipt of this notice, or fail to properly investigate and resolve this dispute, I will consider your actions to be in violation of the FDCPA, and I will not hesitate to file complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and/or take legal action through appropriate channels. 
Please send any future written correspondence to the address listed above. A response and confirmation of the cessation of collection activity is expected within XXXX business days of receipt of this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Self Financial Inc.
State: LA

Complaint narrative:
I am filing a formal complaint against the Self credit builder app due to deceptive and obstructive practices related to account closure. I followed the companys instructions to call customer service in order to close my account, as directed by their virtual assistant. However, on XX/XX/year>2025, I was repeatedly met with an automated message stating that no agents are available, with no option to speak to anyone or request assistance. There is no other way to reach a live representative or resolve this issue. 

These repeated failed attempts suggest a deliberate attempt by Self to prevent users from closing accounts, which may violate consumer protection standards. The company continues to hold my account open and has already withdrawn {$110.00} during this time. I am requesting that this matter be formally investigated and that Self be held accountable for obstructing account closures, failing to provide accessible customer service, and refunding the full amount taken while I was actively trying to cancel my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
This is in regard to the dispute against the transaction on XX/XX/year> with XXXX XXXX for {$110.00}. The last XXXX digit of my sofi card is XXXX. 

I filed a dispute with Sofi at the beginning of XXXX and provide Sofi with additional supporting document on XX/XX/XXXX, i.e. the original receipt of the transaction that shows the amount of {$100.00}, which is {$10.00} lower than the charged amount on the card. 

Haven't heard anything from sofi since then. was told it's the dispute is in progress forever.

Company response to consumer: Closed with explanation