vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-15 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX ), I have reviewed my report recently. There were names and addresses on it that are incorrect - spelling errors or just plain wrong from my credit report, as allowed by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and the Metro 2 credit reporting guidelines. It has come to my attention that the following information on my credit report is incorrect : PLEASE FIX EVERYTHING IN MY PERSONAL INFORMATION THAT IS NOT THE FOLLOWING : XXXX. PLEASE UPDATE MY NAME TO : XXXX XXXX XXXX. PLEASE UPDATE MY ADDRESS TO : XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX. MY ONLY SOCIAL SECURITY NUMBER : SS # : XXXX XXXX. MY ONLY AND CORRECT DATE OF BIRTH : Date of Birth : XX/XX/XXXXXXXX  XXXX. MY ONLY EMPLOYER IS : N/A I DO NOT WISH TO HAVE MY PHONE NUMBER LISTED ON MY REPORT. 

Moreover, I request the removal of any other personal information currently listed on my credit report that is inaccurate and does not pertain to me. Specifically, I demand the removal of all other addresses from my report, as they are not deliverable to me by the U.S. Post Office and are not reportable under the FCRA due to their inaccuracy.

I have attached a copy of my identification card and a recent { bank statement/utility bill/ID } for verification purposes, as required by the FCRA.

Under the FCRA Section 611 ( a ) ( 1 ) ( A ), I am entitled to a free copy of my credit report once you have completed the necessary updates. Kindly provide me with an updated credit report so that I may verify its accuracy.

As the FCRA stipulates, if you are unable to complete the investigation within the 30-day timeframe, you must remove the disputed information from my credit report. Additionally, I would like to remind you that under the FCRA, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), you are required to notify me of the results of the investigation within five business days after it is completed.

Thank you for your assistance in resolving this dispute. I look forward to receiving an updated credit report from your agency. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX ), I have reviewed my report recently. There were names and addresses on it that are incorrect - spelling errors or just plain wrong from my credit report, as allowed by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and the Metro 2 credit reporting guidelines. It has come to my attention that the following information on my credit report is incorrect : PLEASE FIX EVERYTHING IN MY PERSONAL INFORMATION THAT IS NOT THE FOLLOWING : XXXX. PLEASE UPDATE MY NAME TO : XXXX XXXX XXXX. PLEASE UPDATE MY ADDRESS TO : XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX. MY ONLY SOCIAL SECURITY NUMBER : SS # : XXXX XXXX. MY ONLY AND CORRECT DATE OF BIRTH : Date of Birth : XX/XX/XXXXXXXX  XXXX. MY ONLY EMPLOYER IS : N/A I DO NOT WISH TO HAVE MY PHONE NUMBER LISTED ON MY REPORT. 

Moreover, I request the removal of any other personal information currently listed on my credit report that is inaccurate and does not pertain to me. Specifically, I demand the removal of all other addresses from my report, as they are not deliverable to me by the U.S. Post Office and are not reportable under the FCRA due to their inaccuracy.

I have attached a copy of my identification card and a recent { bank statement/utility bill/ID } for verification purposes, as required by the FCRA.

Under the FCRA Section 611 ( a ) ( 1 ) ( A ), I am entitled to a free copy of my credit report once you have completed the necessary updates. Kindly provide me with an updated credit report so that I may verify its accuracy.

As the FCRA stipulates, if you are unable to complete the investigation within the 30-day timeframe, you must remove the disputed information from my credit report. Additionally, I would like to remind you that under the FCRA, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), you are required to notify me of the results of the investigation within five business days after it is completed.

Thank you for your assistance in resolving this dispute. I look forward to receiving an updated credit report from your agency. 
Sincerely, 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 2025-02-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony Bank has mishandled my credit card dispute, reversed a temporary credit without notice, and provided contradictory information about the status of my dispute. 



XXXX XXXX : On XX/XX/year>, Synchrony issued a temporary credit for a disputed charge. 

On XX/XX/year>, Synchrony reversed the temporary credit without providing any written notice or explanation. 

When I contacted customer service multiple times, representatives gave conflicting answers, alternately stating that my dispute was open, closed, won, or lost, with no clear resolution. 

Synchrony continues to read from the XX/XX/XXXX letter about the temporary credit instead of addressing the XX/XX/XXXX reversal and refuses to clarify why the credit was removed. 

Customer service also stated that I should wait XXXX billing cycles to see if the merchant responds. However, this contradicts standard dispute proceduresif the merchant does not respond, the credit should become permanent, not be reversed. 

When I asked for a written explanation of the XX/XX/XXXX reversal, Synchrony refused to provide XXXX and instead tried to redirect the conversation. 



Why This Is a Violation : Lack of Written Notice : Synchrony failed to provide a required written explanation for reversing the credit. 

Mishandling the Dispute Process : They are providing contradictory statements, misleading information, and refusing to clarify the dispute status. 

Unfair Business Practices : By reversing the credit without justification and refusing to provide documentation, they are preventing me from fairly resolving the issue. 



Requested Resolution : Provide a written explanation for the XX/XX/XXXX reversal. 

Restore the temporary credit unless they can provide documented proof that the merchant successfully disputed my claim. 

Confirm in writing whether the dispute is open or closed and explain why customer service has provided conflicting answers. 

Ensure Synchrony follows standard dispute procedures, meaning if the merchant does not respond, the credit remains permanent. 



I am requesting immediate action from the CFPB to hold Synchrony accountable for this dispute mismanagement.

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 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
My account was caught up in the breach and I was wanting that to be fixed

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 2025-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing a complaint against Cash App ( Block , inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CPPA ), 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 errors resolution requirements under the Electronics Fund Transfer Act ( EFTA ) and regulation E. These actions has caused significant inconvenience and financial loss and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

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 2025-02-15 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: FL

Complaint narrative:
I am formally disputing the following items on my credit report, which I strongly believe are inaccurate due to a possible data breach : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2500.00} I have taken all the necessary stepssubmitting supporting documents and following up persistentlybut the errors remain unresolved. These inaccuracies have negatively impacted my finances and caused me undue stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that is free of incorrect or unverifiable information. I am requesting a full investigation into these issues and expect them to be corrected without further delay. Please ensure this is addressed as soon as possible.

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 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

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 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to fix and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$220000.00} XXXX XXXX XXXX XXXX Balance : {$7000.00} XXXX XXXX XXXX XXXX Balance : {$7000.00}

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 2025-02-15 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I found a new Credit Card report on my credit. I looked into it, and a charge card/account was opened with XXXX XXXX XXXX, credited through Comenity Bank XXXX 

After receiving the alert, I called Comenity Bank and let them know that someone had used my information to open an account and I was not the one to do it. This was done on XX/XX/year>. I was asked if I ever lived in XXXX, and I have never even visited that city. I don't know if the account was opened at a physical location or through some other means. I was able to have the account closed, however it is now being reported as a late/deliquent account on my credit. The current balance is {$310.00} with a limit of {$350.00}. 

In times like these, this is a big hit to my score and has impacted my credibility. I was never informed that this amount would be due, and was under the impression that after closing the account it would be reported as false and removed from my credit report. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ XXXX XXXX Experian Dispute Department XXXX XXXX XXXX XXXXXXXX, TX XXXX Subject : Dispute of Collection Account [ Account number ] XXXX Dear Experian Dispute Department, I am writing to formally dispute the collection account listed under XXXX XXXX XXXX Receivables with the account number [ XXXX ] on my credit report. This account, reported as opened on XX/XX/XXXX, shows a balance of {$4100.00} and is marked as past due as of XX/XX/XXXX. 

I believe this information is inaccurate because [ state your reason e.g., this debt is not mine, the amount is incorrect, the account was already paid, the debt is past the statute of limitations, or the collection agency has not provided sufficient validation ]. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate this matter and provide documentation verifying the accuracy of this account. 

If the information can not be verified, I request that this collection account be removed from my credit report immediately. Please provide me with the results of your investigation in writing. Additionally, if you need further information from me, please let me know. 

I have attached a copy of my credit report with the disputed account highlighted, as well as any relevant supporting documentation. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, [ Your Name ] Next Steps : 1. Attach supporting documents ( if available ), such as proof of payment, identity verification, or any communication with the collection agency.

2. Send the letter via certified mail with a return receipt to ensure tracking.

3. Monitor your credit report for updates and follow up with Experian if necessary.

Let me know if youd like me to modify this letter further!

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 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am filing a complaint with Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. When I submitted my dispute, Equifax consistently responded with 24 hours stating that the account was accurate, without providing any evidence of a thorough investigation. This violates the Fair Credit Reporting Act ( FCRA ), 15 U.S Code 1681i, which mandates a reasonable investigation of my disputes. Equifax also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S Code 5536 ( a ) ( 1 ) ( A ) - ( B ) for similar violations. O request that the CFPB take action to ensure that Equifax complies with the federal law and provides consumers with necessary proof of investigations. 
The account that I am trying to dispute is with XXXX XXXX. It is a charged off account but is still showing a balance. This is a violation of the FCRA. I want this account removed from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.. 
XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
I received an email on XX/XX/XXXX, at XXXXXX/XX/XXXX from XXXX XXXX, notifying me that they spotted some breaches for me. On XX/XX/XXXX, at XXXX XX/XX/XXXX, I opened this email, looked at my account, and found these two breaches : XXXX breach Reported in XX/XX/XXXX -We don't know the name of this breach Reported in XX/XX/XXXX I was able to look at my credit score on XXXX XXXX and saw that I had six collections in my name. The only loan I have is my student loan, which has been paid every month. I believe my identity was stolen during those two breaches. Here are the steps that I have taken already : Completion on XX/XX/XXXX : -Submitted a report on XXXX -Reported this to my bank -Froze credit with XXXX, XXXX XXXX and XXXX -Filed a police report -Filed a report with XXXX Completion on XX/XX/XXXX : -Called XXXX, and they informed me to dispute on all three credit bureaus -Contacted Debt Collectors : {$12000.00} XXXX XXXX XXXX Spoke with XXXX to dispute this XXXX She is sending me documents of what I need to inform them of. 
NOTE : The person knew my date of birth and SSN {$10000.00}XX/XX/XXXX XX/XX/XXXX Called and left a voicemail. They did not answer. 

{$370.00} / {$200.00} NATIONAL CREDIT SYSTEMS Called and left a voicemail. They did not answer. 

{$190.00} XXXX XXXX XXXX XXXX Called and spoke with a rude representative. They said they will put in a report that I want to dispute this. 
NOTE : The person knew my date of birth and SSN {$100.00} XXXX XXXX XXXX XXXX Called and left a voicemail. They did not answer. 

-I made a report with the Federal Trade Commission and was referred to the CFPB ( Consumer Financial Protection Bureau XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID

Complaint narrative:
On XX/XX/year> at XXXXXXXX XXXX XXXXXXXXXXXX XXXX  attempted to hard pull my personal credit report without my consent. Furthermore, XXXX XXXX  did not disclose that they would attempt to pull my personal credit report in any fine print. 

I attempted to sign up for a commercial/business gas card for XXXX XXXX who has partnered with XXXXXXXX XXXX for issuance. I was required to provide my social security number in addition to my business XXXX however I did not select the option to provide a personal guarantee. 

Links : -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 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I went to obtain an auto loan in XXXX of XXXX  because I needed a new one for my career. I was denied due to a bankruptcy on my file. Ive never filed for bankruptcy in my life. There was a lock on my account and it was not a phone number associated with me. I received my credit report and there are multiple addresses and names and accounts that are related to someone else. I called all banks from my report and none could find me in their system. The last 4 of my social are wrong on my report, the address is wrong and my work history is wrong. Every dispute has not been resolved and its stopping me from getting auto loan and giving me bad credit and its defamation to my character. Every time I call Experian I cant get any representatives to talk to.

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