vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: 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:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX DOB : XX/XX/XXXX Last XXXX of XXXX : XXXX Email : XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, XXXX XXXX And Experian XXXX  XXXX XXXX XXXX, TX XXXX Subject : Formal Complaint Failure to Properly Investigate Credit Disputes & Repeated FCRA Violations Dear CFPB and Experian, I am filing a formal complaint regarding multiple violations of the Fair Credit Reporting Act ( FCRA ) committed by Experian and data furnishers reporting to them. I have submitted disputes concerning the following accounts, which are inaccurately reported on my Experian credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX Despite initiating multiple disputes, these accounts either reappear shortly after removal or remain verified without adequate investigation. I believe this constitutes a failure to conduct a reasonable reinvestigation, in violation of : FCRA 611 ( a ) ( 1 ) ( A ) Failure to investigate disputed information FCRA 611 ( a ) ( 5 ) ( B ) Failure to delete inaccurate information FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) Failure to provide results within 5 days of completion FCRA 611 ( a ) ( 7 ) Failure to disclose the method of verification when requested FCRA 607 ( b ) Duty to ensure maximum possible accuracy FCRA 623 ( b ) Furnishers duty to reinvestigate disputed data These accounts have either : Been verified without documentation or Been removed and then reinserted without required notice per FCRA 611 ( a ) ( 5 ) ( B ) ( XXXX ) This ongoing pattern of behavior is causing me financial and reputational harm. I demand that Experian : XXXX. Immediately remove the disputed accounts unless the furnishers provide verifiable proof of accuracy. 
XXXX. Provide the method of verification used, including the name and contact information of the verifying party. 
XXXX. Cease reinsertion of any removed item unless full notice and documentation are provided as required by law. 
Supporting Evidence : I have attached screenshots and dated Experian reports clearly showing : Items remaining verified repeatedly with no meaningful change Conflicting statuses ( e.g., {$0.00} balance with charged off and past due status ) Unchanged results after multiple disputes Final Request : I respectfully request that the CFPB investigate these ongoing violations and that Experian be held accountable for failing to comply with the provisions of the Fair Credit Reporting Act. If not resolved immediately, I may pursue legal action to enforce my rights under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I've called this company numerous of times stating that I was an victim of identity theft and the other accounts was removed because of it I asked numerous of times to send me an copy of verification of debt I've also sent them an written letter to stop funirshing information to my consumer report that I didn't give them permission to do the same thing that happen to XXXX happen with this account I went to sign up for a card and I called to get help and the company said I had debt I explained to them that I didn't know what was going on and the confusion because I never owned aXXXX XXXX card they removed the account the original company did but then it reappeared on my consumer report and its really causing me a lot of XXXX as I try to get my life together because I was an victim of identity theft it be hard for me to recover from it and I'm still doing such today this holding me back a lot from providing and roofing my kids it even states Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). on Experian but yet they still have this on my consumer report they have that same saying XXXX on their site but I'm still being XXXXXXXX  I'll like this removed and to be paid for the XXXX that it caused me and my family

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I've called this company numerous of times stating that I was an victim of identity theft and the other accounts was removed because of it I asked numerous of times to send me an copy of verification of debt I've also sent them an written letter to stop funirshing information to my consumer report that I didn't give them permission to do the same thing that happen to XXXX happen with this account I went to sign up for a card and I called to get help and the company said I had debt I explained to them that I didn't know what was going on and the confusion because I never owned an XXXX card they removed the account the original company did but then it reappeared on my consumer report and its really causing me a lot of XXXX as I try to get my life together because I was an victim of identity theft it be hard for me to recover from it and I'm still doing such today this holding me back a lot from providing and roofing my kids it even states Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). on Experian but yet they still have this on my consumer report they have that same saying XXXX on their site but I'm still being pentlized I'll like this removed and to be paid for the XXXX that it caused me and my family

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Complaint Summary : This complaint is being filed against XXXX Capital One, XXXX XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX ( XXXX ) for the continued reporting of inaccurate and unverifiable accounts in violation of the Fair Credit Reporting Act ( FCRA ), specifically XXXX ( a ) and XXXX ( a ). Despite my formal dispute submitted to XXXX and subsequent reinvestigation request, the accounts listed below remain on my credit file and are linked to an address that is not present in my credit report. 
Accounts in question : Capital One Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX I requested that XXXX provide a detailed description of the verification procedures used to validate these accounts and requested documentation from the furnishers tying these accounts to my identity and verified address. No such documentation has been provided to date. 
This continued reporting of unverifiable information is causing measurable harm to my creditworthiness and financial standing. I respectfully request the Consumer Financial Protection Bureau investigate this matter, compel the removal of these inaccurate accounts, and hold all parties accountable for their obligations under federal law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I filed a dispute with Synchrony Bank over a charge for XXXXXXXX XXXX XXXX and work they performed. I informed Synchrony Bank that I did not receive the goods or services promised. I provided multiple documents including a restitution order from a civil suit in XXXX against XXXX XXXX XXXX. Synchrony Bank denied my dispute. I have requested numerous times the documents that the vendor provided Synchrony Bank and the reasoning they denied my dispute claims and I have made that request three different times for these documents be mailed to me physically as their website is unable to provide these documents electronically. Synchrony Bank has made it extremely difficult to get any information or understand why my dispute claims would be denied. They have no provided any information that is legally due to me multiple times. I have also reached out to the postal service to make sure that all mail is being sent to me - as Synchrony Bank has claimed that they have sent me the documents but I have not received them. I do not believe they have sent the documentation requested.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I made an ACH transfer from an external bank account ( let 's call it XXXX  XXXX ) to Marcus ( run by Goldman Sachs ) on XX/XX/year>, with the goal of eventually transferring the funds to another account ( let 's call it Account 2 ) using ACH. Upon initiating the transfer, I was informed that I would need to wait three business days for the funds to become " available '' before I could transfer them to Account 2. This is a time sensitive transfer, so I wanted to move as quickly as possible. 

On XXXX, once the new funds were marked as " available, '' I initiated an ACH transfer of a larger sum to Account 2 using Marcus website. However, on XXXX, I received an email stating that the ACH transaction was declined by Marcus. When I called for clarification, I was simply told that there was no way to transfer the funds ( via wire or ACH ) to Account 2, with no explanation given. At that point, I had no access to the funds in Marcus and was told to wait another 23 business days for the money to become " available '' againdespite it already having shown as available the day before. 

Eventually, I was " allowed '' to initiate a transfer back to the original funding account ( XXXX  XXXX ), but again, no justification was given as to why moving the funds to XXXX  XXXX was not possible. Throughout this ordeal, I was put on hold for hours by multiple " specialists '', and, after requesting escalation, was told a supervisor would call me within 24 hours. This turned out to be completely falseno call ever came. 

Frustrated, I gave up and tried to play by their rules transfer the funds back to XXXX  XXXX. But this time, Marcus rejected the transfer and requested that I mail a bank statement to verify the transaction. It's baffling that no such verification was required when I transferred the funds into Marcus from the exact same accountyet now that Im trying to withdraw, they are locking the funds down when they told me to avoid issues, I should send the money back to my funding account. 

Marcus refuses to conduct a three-way call, accept electronic delivery of the statement ( from XXXX  XXXX or otherwise ), or provide even a rough estimate of when the funds would be released once the mailed document is received. Mail will take at least a week to arrive, if not more, and who knows how long it'll take for them to " verify '' the external account. 

In summary, every attempt to transfer funds out of Marcus to another account in my name has been met with obstruction, delay, and lack of transparency. The process has been excruciating. The Marcus team has been dismissive, opaque, and uncooperativeusing bureaucracy and vague references to " security '' to stonewall access to my own money. If fraud prevention were truly the priority, they would have scrutinized the incoming transfernot just the outgoing one.

Thank you for reading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Order confirmation for XXXX purchase via PayPal

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Subject : Immediate Action Required Violation of My Consumer Rights This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than XXXX years, unless they are criminal convictions. These items are outdated and must be removed immediately. 

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Subject : Immediate Action Required Violation of My Consumer Rights This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than XXXX years, unless they are criminal convictions. These items are outdated and must be removed immediately. 

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
RE : Your agency violated my rights to privacy. Previous Letter I gave you a chance to delete this item. Now this my last attempt before i take legal action. The law you are violating is clearly here. 
The civil lability law which i will sue under is clearly here.

16 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statament of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsiblities with fairness, Impartiality, and a respect for the consumer 's right to privacy.

Failure fo Comply or delete these iterns 15 U.S. Code 1601n - Civil liability for willful noncompliance ( a ) In generalAny person who wilfully fails to comply with any requirement imposed under this sunchapter with respect to any consumer is liable to that consumer in an amount squal to the sum of ( XXXX ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not mare than XXXX ; XXXX .. Code g 1681o Civil Ilabllity for negligent noncompliance ( a ) In gereral Any person who le negligent in failing to comply with any requirement imposed under thie subchapter with respect to any consumer is liable to that consumer in an emount equal to the sum of- ( XXXX ) any actual damages sustained by the consumer as a result of the failure : and ( XXXX ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court Under 15 US Code 1681a ( 4 ) as a consumer I have the right to privacy ard this bankruptcy must be deleted from my consumer report or l will seek monetary damages in small claims court in my city and state, Also I already sent this letter to the Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and Federal Trade Commissian . 

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 explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
Bankruptcy XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: 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: AL

Complaint narrative:
Please block and delete the unauthorized accounts from my credit file as soon as possible. I have no knowledge of these accounts, nor did I authorize them. As provided under USC 1681g, I am requesting their removal within 15 days. Enclosed are the relevant documents for your review. It is also important to note that each bureau is reporting different and inaccurate information for these accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
XXXX XXXX XXXX is voluntarily reporting a tradeline on my consumer credit report as a paid repossession. However, there is no federal law, statute, or regulation that requires any creditor or lender to report consumer data to credit reporting agencies. Credit reporting is entirely voluntary under the Fair Credit Reporting Act ( FCRA ). 

I contacted XXXX XXXX XXXX and sent them a formal request to either : Update the tradeline to reflect Paid/Closed Paid as Agreed or Delete the tradeline entirely, as there is no longer a permissible purpose under 15 U.S. Code 1681b to continue reporting private data with no active credit relationship.

Instead of correcting the data or removing it, they falsely characterized my dispute as a fraud or identity theft claim, which it is not. This was a good-faith dispute under my FCRA rights, not a fraud complaint. 

XXXX is continuing to report outdated, inaccurate, and reputation-damaging information with no legal obligation or justification, which constitutes a privacy violation and a misuse of their voluntary reporting privilege.

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