vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-05 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: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
my credit report has information that is not mines Ive reached out to the original companies listed on my report. Inquiry Type : Bank Credit Cards XXXX Inquiry Date Removal Date lype Phone Number XXXX XX/XX/XXXX Bank Credit Cards BYMAILONLY Dispute XXXX XXXX XXXX Inquiry Date Removal Date Type Phone Number XXXX XX/XX/XXXX Bank Credit Cards ( XXXX ) XXXX Dispute SYNCB/AMAZON XXXX  Inquiry Date Removal Date XXXX XXXX Inquiry Date Removal Date lype Phone Number XXXX XX/XX/XXXX Bank Credit Cards BYMAILONLY Dispute XXXX XXXX Inquiry Date Removal Date Type Phone Number XXXX XX/XX/XXXX Bank Credit Cards ( XXXX ) XXXX Dispute Inquiry Type : All Banks - non specific XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX Removal Date XX/XX/XXXX Type All Banks - non specific Phone Number BYMAILONLY

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 2025-06-05 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
Kohl 's opened account at register for a sale credit, in XXXX!! Unaware, I received a credit card, the discount was charged on it. 
I paid IN FULL {$18.00} online XXXX XXXX .. asked to close the account, & never used. Later fee was added, & interest, fees, I called multiple times, spoke with multiples agents who assured it would be cleared! 
I have been sent to MULTIPLE collection agencies, EACH ONE ADDING charges. XXXX XXXX XXXX XXXX XXXX  EVERY time I buy a home ( 3x ) it comes back.

NOW, it Kohl 's shows a CHARGE-OFF as of this month 6 YEARS later! I've sent paperwork showing balance paid 6 years ago. Now it's sold again to Capital One... and back it comes. Does it take an attorney?? Because I have backup. 
6 years for {$18.00}! Please have Kohl 's fix their own credit issue. NOT show a charge off on my credit. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: TX

Complaint narrative:
//Experian was sent letter 's on XXXX XXXX XXXXXX/XX/year> to verify Banruptcy, They sent it back stating the verified, however they did not follow the law and verify with orginal creditor, I have a letter from the Bankruptcy courts stating the do not report or verify credit reporting bureau 's

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 2025-06-05 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: GA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: MO

Complaint narrative:
On XX/XX/year> Chime Banking closed my checking, savings, and credit accounts. I could no longer access any information through my app. I called customer service and was told they could not give me any details other than " a direct deposit was probably flagged that went against strides policies. '' When I asked for information about this direct deposit, where it was coming from and amount they told me they couldn't give me any details. They said they couldn't reopen my account. When I asked how I could receive my money that was located on said account ( {$1000.00} ) I was told they could not help and the direct deposit that was the issue would have been sent back to the entity that issued the deposit. I now have no money and no clue if it will be coming back to me. They were very unhelpful and told me they had to end the call when I asked for their mailing address. I do not know what direct deposit was made or by whom and that is now gone as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-05 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: FL

Complaint narrative:
I am a business owner using Square to process payments. A client rented a vehicle from my company on XX/XX/year>, and paid for part of the rental via Square on XX/XX/XXXX. That payment was later reversed as a chargeback for over {$4700.00}. 

The transaction was fraudulent. The renter used a payment method that was likely not authorized. After making the payment, he caused a hit-and-run accident with the vehicle and disappeared. I discovered that he is now named in a federal criminal case ( XXXX Case # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). He never responded after the incident, and I was left with significant financial damage. 

I submitted a police report to the XXXX Police Department ( Case # : XXXX ) and obtained a crash report from the Florida XXXX XXXX ( Crash # : XXXX ), showing the same individual signed the incident paperwork. 

Square refused to reopen the dispute, even after I provided this new, material evidence. I also submitted the documentation to their law enforcement team, but have received no resolution. This situation involves clear merchant fraud, and Im requesting Square be required to reevaluate this case in light of the submitted evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Data Systems, Inc.
State: TX

Complaint narrative:
Account Medical Data Systems # XXXX I'm unaware of this debt and did not have the oportunity to dispute this account. If you believe you sent proper notification, pleasse provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account XXXX as soon as possible from my report or i will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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:
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 2025-06-05 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:
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 2025-06-05 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: RI

Complaint narrative:
I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXXXXXX XXXX, ACCOUNT # : XXXXXXXX XXXX XXXX XXXX XXXX ). According to the IRS an unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I received a 1099-C ( Cancellation of Debt ) for the following charged off account listed below ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) After checking my most current report the updated information stated this account was still being reported. This account can not be reported as a charge off on my credit report. Please cease reporting and delete this account. Additionally, both XXXX XXXX XXXX have completed their investigations and both deemed the account to be inaccurate and incomplete due to the supplied 1099C from XXXX XXXX ( see attached document ) and as a result the account was removed. In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, please provide the names and business addresses of each individual with whom you verified above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

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 2025-06-05 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: TX

Complaint narrative:
I disputed this account before and there are still inaccuracies and incomplete information on my credit report. I am requesting the description of procedures and they have 15 days to provide it to me or they have to delete the inaccurate accounts i am disputing. Attached is the letter requesting the description of procedures

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: GA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: GA

Complaint narrative:
Dispute of Collection Account Request for Immediate Removal To Whom It May Concern, I am writing to formally dispute the accuracy and validity of the collection account reported on my credit .Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b ( a ) ( 2 ), I am exercising my right to dispute the legitimacy of this debt and demand its immediate removal from my credit report.

Legal Basis for Dispute : Under 15 U.S. Code 1681b ( a ) ( 2 ), the permissible purposes for accessing a consumer 's credit report exclude reporting or collection activities without proper validation. If the collection agency has not provided sufficient verification of the debt, including but not limited to proof of the original debt, the account 's validity is questionable. I have not received any proper documentation to support this debt. Any amount owed, accuracy of the dates, or lack of proper notice. 
Demand for Action : I demand that these discrepancies are immediately investigated, and this dispute and any other inaccurate account removed, and the inaccurate and invalid collection account removed from my credit report. Failure to do so within 15 business days will leave me with no choice but to pursue further action, including, but not limited to, filing a formal complaint with the Federal Trade Commission and potentially pursuing legal remedies. 

Account Name : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account Number : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
To Whom It May Concern, I, XXXX XXXX, am submitting this certified statement to formally report Equifax for repeatedly violating my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i ( a ) ( 5 ) ( B ). 

I have disputed a fraudulent or inaccurate XXXXXXXX XXXX  account multiple times with Equifax, yet they have unlawfully reinserted the same information without providing the required written notice within five business days, as required by federal law. 

Documented Dispute Dates ( XXXX Account Equifax ) : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Despite these numerous disputes, Equifax failed to fulfill its legal obligation to : Permanently remove or block the disputed information following multiple disputes, Refrain from reinserting deleted information unless certified by the furnisher, and Provide me with a written notice within five business days of reinsertion, in violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

Additionally, Equifaxs repeated reinsertion of false data reflects a failure to maintain reasonable procedures to assure maximum possible accuracy, a further violation of 15 U.S.C. 1681e ( b ).

This ongoing misconduct has caused substantial harm to my credit reputation, financial opportunities, and emotional well-being. I request that the CFPB take immediate action to investigate and enforce compliance, and that Equifax be required to permanently delete this XXXX account and provide restitution for damages incurred. 

In addition, Experian has unlawfully reinserted a fraudulent account from XXXX that I previously disputed. This reinsertion occurred without providing the required written notice within five business days, as mandated by 15 U.S. Code 1681i ( a ) ( 5 ) ( B ). This is a clear violation of the FCRA, and I am requesting the permanent deletion of this account and full compliance with all reinsertion procedures under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: CA

Complaint narrative:
MY INFORMATION WAS LEAKED DURING THE XXXX DATA BREACH AND THEY AREN'T DOING A PROPER INVESTIGATION. I AM ASKING FOR IMMEDIATE REMOVAL OF THIS INACCURATE 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 2025-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
I opened up a checking account with citizens bank on XX/XX/XXXX because they were offering a {$300.00} checking account bonus. The fine print states to make a direct deposit in the amount of {$500.00} within 60 days of opening to receive the bonus. So I did so. I even called the representative right after I opened the account to ensure they had the code they needed and I was reassured everything was all good and the promotion was connected. Then I waited till XX/XX/XXXX which is when they said by end of day that the bonus would be deposited. Surprise surprise, no bonus. So I called because I was relying on this money that was supposed to be coming in. I was told that I qualified but I needed the code. Well nobody told me that I needed to keep such code. I was also told that the code was already attached to my account back in XXXX so how would that make any sense. What would be the difference if I gave them the code right now if theyre just going to go and lose it and then tell me I cant get the bonus because I dont have the code. Anyway, this just feels very fraudulent to me. False advertising. Whatever you want to call it, I think its a very evil thing to do to a consumer to con them into opening a bank account with you. On top of all this, I was told a million different things by their customer service reps. When I tried to escalate my issue further I was told that she didnt have a supervisor and that there was nothing she could do. I was met with nothing more than a sorry for their incompetence. I asked if she could see the call with the gentleman who I spoke with to add the code and she said yes but she couldnt see the code???? Okay so pull the call and review it. I dont understand how you can just tell someone, hey you qualify for this, and you did everything right, but since you didnt save the piece of paper with the code which you already gave us and we told you everything was all good, we cant give you the {$300.00}. SOWWY. Absolutely the most unprofessional bank I have ever used.

Company response to consumer: Closed with monetary relief