vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-21 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: OH

Complaint narrative:
I am submitting this formal dispute under the FCRA, 15 U.S.C. 1681, and the FDCPA, 15 U.S.C. 1692, regarding multiple negative tradelines listed on my consumer file. These items are inaccurate, unverifiable, duplicative, and reported in connection with unlawful debt collection practices. Continued reporting of these items in light of known legal violations exposes your agency to liability under federal law. 

ITEMS IN DISPUTE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 
LEGAL BASIS FOR REMOVAL : FCRA 1681e ( b ) : Fails the accuracy standard.

FCRA 1681i ( a ) : Requires original documentation for reinvestigation.

Immediate deletion of disputed tradelines.

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 2025-06-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: WA

Complaint narrative:
I ordered goods as a XXXX gift in XXXX 2024 for {$210.00}. After reading comments about the company being a scam and by mid XXXX not receiving goods I filed a dispute with Chime. I provided the documentation I could. They denied my claim I later advised them I Still had not received good and again provided info that I could. BUT how do.i prove I never got the items? They denied again To this day the product has not been received .. and I don't even think the company " exists '' anymore

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-21 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-06-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I previously filed CFPB Case # XXXX regarding a promotional interest loan originally serviced by Ally XXXX  and later transferred to Synchrony Bank . Unfortunately, the issue was not properly addressed by the bank.

I lived at the address on file during the entire 24-month interest-free promotion. However, I did not consistently receive monthly billing statements from Synchrony Bank. Prior to the loan transfer, Ally XXXX sent sporadic email payment reminders that did not include my remaining balance or any clear warning that the interest-free promotion would expire on XX/XX/year>. 
I set up XXXX XXXXmonth autopay as instructed and made all payments on time. I was never notified that a small balance ( {$9.00} ) remained or that interest would be charged retroactively. As a result, more than {$1300.00} in interest was appliedsomething I could have avoided had I been properly informed.

In Synchrony Banks prior response, they provided only a phone number for follow-up. I called the number multiple times and was always directed to voicemail. I left detailed messages each time requesting a call back, but I was never contacted. Their response letter and website offered no email address to send a written complaint or documentation.

I waited until the last day before submitting my feedback to the CFPB in hopes that the Synchrony specialist would return my call, but they never did. This demonstrates not only a failure in prior communication but also in their stated resolution process.

I believe this reflects a failure to provide adequate notice, inaccessible customer service, and poor communication during the loan transfer. I am requesting that CFPB reopen this issue as a new complaint and assist in resolving the matter fairly.

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 2025-06-21 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: MN

Complaint narrative:
XXXX XXXX XXXX play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. 

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX - XX/XX/XXXX - {$1000.00} Hard Inquiries : XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: FL

Complaint narrative:
JEFFERSON CAPITAL SYST reported a collection related to a Visa Signature account on or about XX/XX/year>, to my credit report without sending any required prior written communication as mandated under 15 U.S.C. 1692g ( a ) and 12 C.F.R. 1006.30 ( a ) ( 1 ).

No debt validation notice was ever sent within XXXX days of initial contact. Additionally, the company did not communicate with me or allow a reasonable period to confirm the deliverability of any notice before reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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 violate the Consumer Financial Protection Act ( XXXX ). 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 error resolution requirements under the Electronic Fund Transfer Act ( XXXX ) : and XXXX XXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CLGF Holdco 1, LLC
State: IA

Complaint narrative:
Letter to XXXX XXXX XXXX  XXXX XXXX [ Your Address ] [ City, State, ZIP Code ] [ Email Address ] [ Phone Number ] [ Date ] TXXXX XXXX XXXX  XXXX. XXXX XXXX XXXX, PA XXXX Subject : Fraudulent Inquiries & Identity Theft Immediate Action Requested Under FCRA XXXX ( Section XXXX ) Dear XXXX XXXX XXXX, I am formally requesting the immediate removal of unauthorized hard inquiries and account entries from my XXXX credit file. I did not authorize any of the listed inquiries and was not applying for credit at the time they occurred. I believe my information was compromised due to a national public data breach that exposed sensitive data including names, phone numbers, and Social Security numbers. 
These inquiries and accounts do not reflect my credit activity and were added without my knowledge or consent. As outlined in FCRA Section XXXX ( XXXX U.S.C. XXXX ), you are legally required to block all information resulting from identity theft within XXXX business days once sufficient documentation has been submitted. 

Included Documentation : FTC Identity Theft Report Signed Statement of Dispute Copy of my XXXX credit report ( with fraudulent inquiries highlighted ) Copy of government-issued ID Copy of Social Security card Proof of current address Brief statement noting XXXX XXXX XXXXXXXX XXXX compromise Reference to FCRA XXXX in this letter Unauthorized Hard Inquiries to Remove : XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX Indigo  XX/XX/XXXX TBOMMilestone XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Please block and remove all unauthorized entries and confirm the investigation results in writing. If these inquiries and accounts are not removed, I will escalate this issue by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and may pursue further legal remedies. 
Thank you for your immediate attention. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to XXXX XXXX Code XXXX, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under XXXX XXXX XXXX XXXX, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within XXXX ( XXXX ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : XXXX XXXX * * * * Balance : {$0.00} ; XXXX XXXX * * * * Balance : {$11000.00} ; XXXX XXXX XXXX XXXX * * * * Balance : {$2300.00} ; XXXX XXXX * * Balance : {$15000.00} ; XXXX XXXX * * * * Balance : {$340.00} ; XXXX  XXXX * * Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX * * * * Balance : {$12000.00} ; ( Original Creditor : XXXX XXXX ) XXXX * * Balance : {$57.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX. Under XXXX XXXX XXXX XXXX ( XXXX ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under XXXX XXXX XXXX XXXX - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: OH

Complaint narrative:
I AM REQUESTING A FREEZE ON MY XXXX XXXX REPORT, XXXX, DATA FACT. PLEASE SEND ME A SECURITY PIN FOR M FILES.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: FISERV FINXACT CORE
State: OH

Complaint narrative:
I AM REQUESTING A FREEZE ON MY XXXX XXXX REPORT, TELECHECK, DATA FACT. PLEASE SEND ME A SECURITY PIN FOR M FILES.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: FL

Complaint narrative:
I am disputing a closed collection account being reported by TransUnion ] under [ XXXX  ]. The account is marked as closed but still shows an outstanding balance. I have no knowledge of this account and did not open it. 

I have disputed this multiple times and requested documentation to validate the debt. Each time, the dispute was marked as resolved without providing any proof. The reporting agency continues to list the account with a balance, damaging my credit report and score. 

Under the Fair Credit Reporting Act ( FCRA ), inaccurate and unverified information must be removed. Since no validation has been provided, this debt should not be reported. 

I am asking the CFPB to investigate and require the removal of this invalid debt from my credit file.

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 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Global Lending Services LLC
State: OH

Complaint narrative:
This is my 3rd time requesting proper documentation for GLOBAL LENDING SERVICE XXXX. The was no purchase agreement on this fraudulent loan and failure to notify this disputed account with GLOBAL LENDING SERVICE with XXXX XXXX XXXX XXXX XXXX. There is some dubious sales practice at the dealership that I have been compliant with serveral departments with out any response. I request this account be reinvestigated at the Standard of XXXX Compliance as well as FDCPA 1692d, 1692c, 1692g : Harassment, failure to validate, illegal communication practices.

Has the account have been charged off and a 1099-C form issued or if the creditor reported these accounts as business losses for tax deduction purposes, they must be deleted under IRS regulations
and FCRA due to the cancellation or non-ownership of the debt.

For any accounts currently being reported by third-party debt collectors, I demand a copy of the assignment contract or bill of sale proving lawful authority to collect and report this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: Unlock Technologies, Inc.
State: NV

Complaint narrative:
I am disputing the validity and enforcement of a XXXX placed by XXXX XXXX. I was a victim of extensive identity theft and credit file manipulation, which directly contributed to the financial issues cited by XXXX. Ive since been issued a new Social Security XXXX by the Social Security XXXX and no longer have access to the original bank accounts associated with the disputed XXXX. 

Additionally, I am currently unemployed and unable to pay any HOA-related obligations connected to this property. I have submitted a formal police report regarding the identity theft, which is included in my supporting documents. Despite this, XXXX has continued collection and reporting activity tied to obsolete, inaccurate, and now legally severed identifying information. 

I respectfully request a full release of XXXX and removal of any negative credit reporting. All documents, including the police report, have been attached to this complaint for validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Velocity Portfolio Group
State: HI

Complaint narrative:
Without receiving any written notice of debt validadation from Velocity or XXXX XXXX, I received texts on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with attempts to collect a debt. I have never heard about or from either company. The original text from XXXX XXXX XXXX is in reference to an account they have with Velocity. I responded to their texts on XX/XX/XXXX stating I will not verify any information over phone or text, and to send the purchase agreement for the debt they are claiming to the address on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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:
Equifax, XXXX XXXX XXXX have repeatedly and willfully violated my consumer rights under federal law by engaging in improper credit reporting practices. These credit reporting agencies have reported inaccurate, incomplete, and unverified information on my credit report, directly violating the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ). Despite multiple disputes and formal requests for validation, they failed to meet their legal obligation to investigate and ensure the accuracy of the information reported. Under 15 U.S.C. 1681i ( a ), the credit bureaus are required to conduct a reasonable reinvestigation of disputed information. Instead, they have continued to report accounts and debts without verifying them with 100 % accuracy from the original creditor, as required by law. This constitutes a gross failure to validate the alleged debts in accordance with the FCRA, as well as a violation of 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies maintain maximum possible accuracy in their reports. Furthermore, certain accounts and items reported by these bureaus are the result of identity theft. I have filed an official FTC Identity Theft Report, yet Equifax, XXXX XXXX XXXX have neglected their duty under 15 U.S.C. 1681c-2 to block fraudulent information resulting from identity theft within the legally required timeframe upon receipt of proper documentation.

Their continued reporting of unverifiable, inaccurate, and fraudulent information demonstrates a systematic pattern of noncompliance with consumer protection laws, resulting in harm to my creditworthiness and financial standing. I hereby demand immediate deletion of all inaccurate and unverified accounts, along with a full reinvestigation in compliance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 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: GA

Complaint narrative:
I am writing in response to the recent investigation. I do not agree with your findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditor that is reporting this information on my report and because of this I am now asking you for more information regarding these particular accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$12000.00} XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief