vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-27 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: IL

Complaint narrative:
I am filing this complaint because I disputed inaccurate or incomplete information on my consumer report with a consumer reporting agency. Under 15 U.S.C. 1681i ( Fair Credit Reporting Act 611 ), the agency is required to conduct a reasonable reinvestigation, free of charge, within 30 days of receiving my dispute, to determine whether the information is inaccurate. The agency must notify the data furnisher, review and verify the accuracy of the information, and delete or correct it if it can not be verified. The agency must also provide me with written results of the reinvestigation, including a copy of my corrected consumer report, and notify me of my right to add a statement of dispute.

In my case, the agency did not comply with these requirements. It failed to complete a reasonable reinvestigation and/or did not correct or delete unverifiable information within 30 days. I am requesting that the CFPB review this matter and ensure the consumer reporting agency fulfills its obligations under 15 U.S.C. 1681i.

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 2025-10-27 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: IL

Complaint narrative:
I am filing this complaint because I disputed inaccurate or incomplete information on my consumer report with a consumer reporting agency. Under 15 U.S.C. 1681i ( Fair Credit Reporting Act 611 ), the agency is required to conduct a reasonable reinvestigation, free of charge, within 30 days of receiving my dispute, to determine whether the information is inaccurate. The agency must notify the data furnisher, review and verify the accuracy of the information, and delete or correct it if it can not be verified. The agency must also provide me with written results of the reinvestigation, including a copy of my corrected consumer report, and notify me of my right to add a statement of dispute.

In my case, the agency did not comply with these requirements. It failed to complete a reasonable reinvestigation and/or did not correct or delete unverifiable information within 30 days. I am requesting that the CFPB review this matter and ensure the consumer reporting agency fulfills its obligations under 15 U.S.C. 1681i.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I have Samsclub Synchrony XXXX credit card for more then 10 years. 
I have autopay setup and never had late payment. 
My payment was paid in full balance every month for more then 10 years. 

One day I tried to use my credit card at retailer and it did not work. 
I called Synchrony bank to ask why my credit card is not working. 
Customer service representative pickedup a phone after almost half an hour wait. 
They asked me my phone number to verify I am the owner of the card. 
I gave them my phone number, they said they can not verify me. I also try to give my wife 's phone number and they said they can not verify me. 
I have them the business phone number and that did not work either. 
I asked them that what can I provide to verify that I am the owner cause I am paying bills for more then 10 years. 
They said only way to verify is sending a code to mailing address on file. 
I wanted to verify the mailing address so I shared my home address as well as business address. They said none of that matches. 
At this point I was certain that someone has hacked my account and changed the phone number and address to kick me out of the access to my own account. 
I was ready to give me my social security number and XXXX number but they would not accept and would not allow me. 
I asked to talk to supervisor and he said the same thing. 
I tried going to XXXX XXXX but they said I have to resolve this with customer serivce on phone number behind my card. 

I went on my computer to login to my credit card account but it said my account is locked. 
There was no way for me to look at the transactions since my statements were estatement in my account. 
I had no other option but to stop the payment to make sure that I dont pay for the hacker. 
I asked my direct deposit bank to block the payment since I can not login and cancel the autopay. 

couple months passed, Synchrony bank called me up saying my payment is due. 
I explained what happened and they said they are from collection and they dont know anything about it. 
I asked them to verify the transactions. They were able to verify the transactions with me and I agreed to pay my balance due. 
I requested to remove the late payment penalty and interest but they denied. 
I paid my balance but did not pay the late fee and interest since I was kicked out of my account and I had no way to contact them I need your help waive the interest and late payment penalty. 

Thank you very much

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 2025-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I applied Amex XXXX card in XX/XX/XXXX with a XXXX rewards points intro offer as long as I spend {$6000.00} in the first 3 months. I received the approval email on XX/XX/XXXX, however, my card was lost during the mailing process and I had to contact Amex Customer Services to get a replacement card XXXX  XX/XX/XXXX. Amex doesn't provide any confirmation/communication on honoring the offer, and I only realized my offer wasn't applied in XX/XX/XXXX when I tried to redeem the points. Amex also doesn't provide any ways for customers to check reward points history. I reached out to Amex Customer Services twice, was told they looked into the case, they couldn't do anything. I told them it was likely due to my card was lost in mailing ( Amex 's fault ), they didn't apply the intro offer I signed up with appropriately when they reprocessed my card, but their customer services kept requesting for proof- they know themselves the offer disappeared once it is no longer valid so there is no way for customers to provide any proof after fact. The approval email also was silent on any signup offer - contradictory to what their customer services said. this feels like a total scam with very misleading and false advertising information for signup offer, and the customer services unwillingness to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: NJ

Complaint narrative:
On XX/XX/year>, I filed a debit card dispute with SoFi ( Claim # XXXX ) for an unauthorized transaction of {$4400.00} on XX/XX/year>. 
SoFi reclassified it to Merchandise/Services Not Received without evidence, denying provisional credit due by XX/XX/year>. This violates 12 CFR 1005.11 ( c ) ( 2 ) ( Reg E ), as banks can not change dispute reasons to avoid mandatory provisional credit.

No proof of authorization was provided. Ive attached SoFis denial email and transaction screenshot.

Requested Relief : Immediate provisional credit, reinstatement of original reason, and full investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
I requested original signed contract where I Owe the Collection Agency and proof where I have business with them. 
Nothing has been received

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: FL

Complaint narrative:
I am filing this complaint because the consumer reporting agency has failed to comply with its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ). This provision requires the agency to provide a detailed description of the reinvestigation procedures used to verify disputed information when requested by the consumer. I specifically requested the name and contact information of the furnisher, the identity of the individual with whom the agency communicated, and the documentation relied upon to verify the accuracy of the disputed account. The agency did not provide this information within the 15-day period required by law. This lack of response constitutes a clear and direct violation of my rights under 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 explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-10-27 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:
I submitted written disputes to Equifax, Experian, and TransUnion dated XX/XX/year>, requesting validation and reinvestigation of multiple inaccurate or unverifiable accounts on my credit reports.

In my letters, I cited the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681i and 1681e ( b ), and requested physical verification of original signed consumer contracts for each reported account. Despite following the proper procedure, the credit bureaus failed to properly investigate or provide the requested validation within the required 30-day period.

This has caused significant harm to my credit standing and prevented me from obtaining mortgage approval for my family.

Equifax : XXXX Acct. # XXXX XXXX Acct. # XXXX XXXX XXXX XXXX Acct. # XXXX ( should show Paid as agreed ) XXXX Acct. # XXXX ( duplicate ) Experian : XXXX Acct. # XXXX XXXX Acct. # XXXX XXXX XXXX Acct. # XXXX XXXX XXXX Acct. # XXXX XXXX XXXX XXXX Acct. # XXXX ( should show Paid as agreed ) TransUnion : XXXX Acct. # XXXX XXXX Acct. # XXXX XXXX XXXX Acct. # XXXX XXXX XXXX Acct. # XXXX ( duplicate ) XXXX XXXX XXXX Acct. # XXXX ( should show Paid as agreed )

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 2025-10-27 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:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT INQUIRIES : XXXX - XX/XX/year> 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 2025-10-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I am writing to formally express my concern regarding Zelles handling of disputes, particularly in light of recent CFPB lawsuits highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. The informed me that recovering lost funds was impossible and tracking these transactions was unfeasible. The CFPBs finding indicates that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concern about consumer safety

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: MD

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT INQUIRIES : XXXXXXXX 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 2025-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: TX

Complaint narrative:
Cash app has closed my account for no reason at all.money have been taken out of my other bank in transferred into Cash app and all of a sudden disappeared cash app doesn't know where the money went, I HAVE FILE AN APPEAL WHICH WAS DENIED DOING THE TIME OF THE SETTLEMENT FOR THE PROBLEMS CASH APP HAS BEEN CAUSING NOW ALL OF SUDDEN MY ACCOUNT IS CLOSE WITH NO EXPLANATIONS.over XXXX dollars was taking about of my account that cash app don't no where it went. It could be more then that.all of my disputes from transactions have been denied.and I did not approve those transactions XX/XX/year> my account was close for no reason I need my account for business and to manage my children funds. I have send them all the information and proof and they still keeping my account closed for no reason

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: IL

Complaint narrative:
This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page. 
Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { XXXX } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to XXXX parties you are damaging my reputation and damaging my creditworthiness. 

Under the FCRA are U.S.C 1681i, all unverified accounts MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these inquiries from my credit report. Please provide me with an updated credit report showing items removed. 


Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization PLEASE UPDATE MY NAME IN YOUR SYSTEM XXXX XXXX XXXX ( ID AND XXXX CARD INCLUDED ) NAMES THAT DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX I HAVE NEVER LIVED XXXX XXXX XXXX XXXX IL XXXX WHITE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ACCOUNTS THAT ARE NOT MINE XXXX OPENED XX/XX/XXXX AMOUNT {$28000.00} IDENTITY THEFT XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX AMOUNT {$820.00} IDENTITY THEFT INQUIRIES THAT ARE NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page. 
Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { XXXX } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to XXXX parties you are damaging my reputation and damaging my creditworthiness. 

Under the FCRA are U.S.C 1681i, all unverified accounts MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these inquiries from my credit report. Please provide me with an updated credit report showing items removed. 


Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization PLEASE UPDATE MY NAME IN YOUR SYSTEM XXXX XXXX XXXX ( ID AND XXXX CARD INCLUDED ) NAMES THAT DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX I HAVE NEVER LIVED XXXX XXXX XXXX XXXX IL XXXX WHITE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ACCOUNTS THAT ARE NOT MINE XXXX OPENED XX/XX/XXXX AMOUNT {$28000.00} IDENTITY THEFT XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX AMOUNT {$820.00} IDENTITY THEFT INQUIRIES THAT ARE NOT MINE 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 2025-10-27 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: NC

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