vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-02 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: TX

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 XXXX 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 2025-12-03 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: FL

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 explanation
Consumer complaint received 2025-12-03 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:
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 explanation
Consumer complaint received 2025-12-02 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: PA

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 2025-12-02 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:
XX/XX/year> Amount : {$290.00} On XX/XX/year>, I had {$290.00} withdrawn from my Cashapp account to a bank account that I do not recognize, after checking my previous transactions and statements I confirmed that I had never had the bank account on file before or even had a debit card that was linked to the bank account. I also noticed that there were XXXX " unknown '' devices linked to my account as well that I removed as soon as I saw. Cashapp, despite saying that they are secure and that they will notify the User about any new activity on the account, has never notified me, not through email or text, about either the unidentified bank account being added nor the unknown devices being linked to my Cashapp account. I have already contacted Cashapp support about this issue and I want to make sure my concern is being taken seriously and handled correctly as there are countless individuals who went through similar as I have and have been denied reimbursement/refund by Cashapp. I simply want my money returned to me as that money was extremely important and seeing as I have never shared my personal account information with anyone, Cashapp failed to keep their app secure and failed to notify me about any of the security breaches that occurred leading up to this. 

( Photos attached are the unidentified, unrecognized bank account, the withdrawal, and the emails I received AFTER I removed the unknown devices from my account, I never received an email from when they were added to my account. )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
Dear CFPB, I am requesting that Experian provide proof of their previous response. Please see the supporting documentation attached.

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 2025-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I visited TD Bank to open an account for my daughter 's XXXX back pay, and everything went smoothly on XX/XX/2025. Then, I found out that they closed the account immediately and accused me of fraud, and they were being nasty to me via the calls on XX/XX/2025. I filed a complaint against them with the XXXX, and nothing was resolved. They kept sending me letters, and then the new letter came today, XX/XX/2025, so I called them and said they never closed it, and said they didn't send me anything in the mail or email. They caused me stress, emotional distress, and accused me. I never did the fraud. I had to do what XXXX asked me to. They tried to keep the account open, but I said no because I don't want to open an account with a bank that accuses and is being nasty to me. They sent their supervisor a message but the call disconnected due to an issue. I want them to stop sending me and messing with my emotions. I would like to know if I can file a lawsuit against them for their mistake, emotional distress, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: VA

Complaint narrative:
I am not connected to these accounts, and they must be removed within XXXX  days under USC 1681g.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: MO

Complaint narrative:
XX/XX/XXXX I filed a Experian dispute filed on all accounts on credit report. No information was mailed within XXXX  days in response to my dispute.However they changed the statuses of those accounts to written off and placed them in a closed status. Fast forward XXXX they have no record of the dispute no documentation was sent to me as required by the FCRA. The accounts listed were to be removed, as they were not validated.

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 2025-12-02 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: NY

Complaint narrative:
DO NOT send me any stall letters to delay or misdirect this investigation this complaint is authorized BY ME. I am formally disputing the inaccurate, unverifiable, and unauthorized information currently being reported on my credit file, which has caused significant harm to my creditworthiness and violated my consumer rights under federal law. In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am demanding a full and reasonable reinvestigation into all derogatory accounts, personal data errors, and hard inquiries. Under 15 U.S.C. 1681i ( a ), the credit bureaus are required to investigate disputed information, and I demand strict compliance with this statute, including the Method of Verification ( MOV ) under 15 U.S.C. 1681i ( a ) ( 7 ). For each item in question, I am requesting original source documentation specifically a signed contract bearing my signature, a complete account history, proof of permissible purpose under 15 U.S.C. 1681b, and all communications between the credit bureau and the furnisher of the information. As a victim of the Equifax Data Breach and TransUnion Data Incident, my personal information has been found on the dark web, raising serious concerns about identity theft and misuse. The Consumer Financial Protection Bureau ( CFPB ) has taken action against Equifax for improper handling of consumer disputes, and I have every reason to question the legitimacy and accuracy of the data currently being reported. I am scared and extremely worried because I do not know who has my information or how its being used. This is why yall keep getting sued by consumers like me because you continue to overlook clear violations and fail to properly investigate disputed data. If you are unable to provide verified, legally admissible documentation for each disputed item, you are required under 15 U.S.C. 1681i ( a ) ( 5 ) to delete the information immediately. Noncompliance will be viewed as a willful violation of the FCRA under 15 U.S.C. 1681n, and I am fully prepared to escalate this matter with formal complaints to the CFPB, FTC, and my State Attorney General. I expect a complete, legally compliant response within XXXX  days, as required by law. Attached are copies of my drivers license, social security card, and proof of address for identity verification. DO NOT add any fraud alerts. DO NOT add any personal statements to my credit profile. Please read this letter in its entirety before responding. 

Here is a list of inaccurate, unverifiable, and unauthorized information that must be investigated and resolved : Inquiries : XXXXXXXX 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
Consumer complaint received 2025-12-02 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: TX

Complaint narrative:
XXXX XXXX XXXX is reporting an XX/XX/XXXX late payment that is false, misleading, and inaccurate under the Fair Credit Reporting Act ( FCRA ).

I have had four years of perfect on-time payments since XXXX, always using XXXX auto-pay system. In XX/XX/XXXX, the auto-pay failed without any notification from XXXX, and I was not aware of the issue until I saw it on my credit monitoring service. The moment I discovered the issue, I paid the balance immediately on the same day, using the official XXXX mobile app. I also paid the following month in advance to keep the account current. 

I contacted XXXX several times asking for an explanation and a proper investigation. Instead, I received only generic denials stating they can not alter my payment history, without addressing the auto-pay failure, my immediate payment, or my long history of perfect payments.

XXXX refused to conduct a reasonable investigation, even after I submitted a Direct Dispute under FCRA 623 ( a ) ( 8 ). Their reporting violates : FCRA 623 ( a ) ( 1 ) ( A ) a furnisher may not report information it knows or should know is inaccurate FCRA 607 ( b ) information must be reported with maximum possible accuracy Legal precedent stating that even technically accurate information must be corrected if it is materially misleading Reporting an unintentional auto-pay failure as a delinquency is misleading and damaging to my credit profile.

I am requesting the CFPBs assistance to require XXXX to properly investigate and remove the XX/XX/XXXX late payment from all credit bureaus.

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 2025-12-02 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:
XXXX XXXX XXXX is reporting an XX/XX/XXXX late payment that is false, misleading, and inaccurate under the Fair Credit Reporting Act ( FCRA ).

I have had four years of perfect on-time payments since XXXX, always using XXXX auto-pay system. In XX/XX/XXXX, the auto-pay failed without any notification from XXXX, and I was not aware of the issue until I saw it on my credit monitoring service. The moment I discovered the issue, I paid the balance immediately on the same day, using the official XXXX mobile app. I also paid the following month in advance to keep the account current. 

I contacted XXXX several times asking for an explanation and a proper investigation. Instead, I received only generic denials stating they can not alter my payment history, without addressing the auto-pay failure, my immediate payment, or my long history of perfect payments.

XXXX refused to conduct a reasonable investigation, even after I submitted a Direct Dispute under FCRA 623 ( a ) ( 8 ). Their reporting violates : FCRA 623 ( a ) ( 1 ) ( A ) a furnisher may not report information it knows or should know is inaccurate FCRA 607 ( b ) information must be reported with maximum possible accuracy Legal precedent stating that even technically accurate information must be corrected if it is materially misleading Reporting an unintentional auto-pay failure as a delinquency is misleading and damaging to my credit profile.

I am requesting the CFPBs assistance to require XXXX to properly investigate and remove the XX/XX/XXXX late payment from all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
In XX/XX/XXXX, I purchased a mattress from XXXX XXXX and paid the full amount using a Synchrony Bank ( Mattress Firm ) credit card. At the time of sale, the Mattress Firm sales representative explicitly told me that my purchase qualified for 60 months of no-interest financing if I applied for and used the Synchrony credit card. I relied on this representation when deciding to proceed with the transaction.

At no point was I toldverbally or in writingthat the promotional financing period was only 24 months. I was never provided a copy of a contract, Truth in Lending disclosures, or any document indicating that I had agreed to a 24-month deferred-interest plan. I do not recall signing or receiving any agreement stating such a term.

Approximately two weeks ago, I discovered that Synchrony Bank had added {$510.00} in retroactive interest to my account in XX/XX/XXXX, based on their assertion that the promotional period was 24 months. Fearing damage to my credit, I paid the account in full on XX/XX/XXXX, including the disputed interest, even though I was actively contesting the charge.

I contacted Mattress Firm, and they confirmed that they do not have any signed agreement from me indicating that I accepted a 24-month promotional term. The only document they were able to provide was the purchase receipt, which does not state a 24-month or 60-month financing period. Synchrony Bank has also failed to produce any signed contract, consent, or written disclosure showing that I agreed to 24-month deferred interest.

There is no verifiable consumer consent, no signed agreement, and no required written disclosure supporting Synchronys claim of a 24-month promotional plan. This situation represents : - Misrepresentation of financing terms at the point of sale - Deceptive or unfair financing practices - Failure to provide legally required credit disclosures

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 2025-12-02 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: IL

Complaint narrative:
The following accounts are fraudulent and I want these removed from my credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. The following inquiries are not authorized. Please remove it from my credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: IL

Complaint narrative:
The following accounts are fraudulent and I want these removed from my credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. The following inquiries are not authorized. Please remove it from my credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-12-03 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: FL

Complaint narrative:
I must emphasize that this complaint is not a mistake. My credit report contains inaccuracies that are not assured to be of the maximum possible accuracy. These errors are profoundly affecting me, causing significant distress and ongoing negative impacts that are difficult to fully articulate. These are challenging times, and correcting or removing these inaccuracies would provide immense relief and support.

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 2025-12-02 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Credit inquires that i did not authorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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