vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-23 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: MS

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ACCOUNTS : XX/XX/XXXXAccount Number :XX/XX/XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4000.00}XX/XX/XXXX Account Number : XX/XX/XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} BANKRUPTCY - Account Number : XX/XX/XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XX/XX/XXXXDate : XX/XX/XXXX XX/XX/XXXX Date : XXXX XX/XX/XXXX Date : XXXX XX/XX/XXXXXXXX XX/XX/XXXX Date : XXXX XXXX XXXX XX/XX/XXXX Date : XXXX XXXX XXXX XX/XX/XXXX XXXX : XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX Date : XX/XX/XXXXXX/XX/XXXX Date

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 2025-06-23 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: CA

Complaint narrative:
Im writing with urgency and frustration regarding inaccurate information that has shown up on my credit report. I am demanding an immediate investigation into this matter, as the presence of this false data is not only unacceptableits actively harming my credit profile, financial opportunities, and overall credibility. 

Let me be very clear : the information in question is wrong. Whether its an account I never opened, a balance I dont owe, or a payment history that doesnt belong to me, something is offand it needs to be addressed right now. I have never authorized this account, and I have no knowledge of ever engaging with the creditor in question. If this accountor any portion of itwas opened or reported without my explicit consent, then this is a serious violation of my rights and a threat to my financial well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX CA XXXX INQUIRIES : XXXX  Date : XXXX/XXXX/2024

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
I opened a TRUIST checking account in XXXX of 2025. I deposited a Bank Certified XXXX cashier 's check for about {$29000.00}. TRUIST gave me access to {$6500.00} after 2 business days and access to the other {$24000.00} after 7 more business days. I informed TRUIST that approximately {$2000.00} was fraudulently charged to my account and then TRUIST bank would not send me the supporting documenting but instead said it wasn't fraudulent. I asked for the internal documentation and eventually received something that when printed out, I could not find the {$2000.00} amount that was fraudulent on the document with 3.25 magnification reading glasses. The branch told me to call the fraud department for the documentation and the documentation was already provided by the fraud department at TRUIST. I know that {$2000.00} was fraudulent because I was in XXXX FL at the time of the charge and would never spend {$2000.00} at the XXXX XXXX for 1 night let alone 3-4 nights in XXXX XXXX  XXXX CA when I was in XXXX, FL the entire time. I have PIN debit card verified transactions the day before, the day of, and the day after the fraudulent {$2000.00} transaction in XXXX, FL. I have heard excuse after excuse from TRUIST and eventually they closed my account to hide their questionable activity. I have since opened up a XXXX XXXX  account because TRUIST closed my account without notifying me. Can you help me?

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 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 non-monetary relief
Consumer complaint received 2025-06-23 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 have been in contact with the credit buraus in reference to my personal information being exposed in a data breach and accounts that i did not authorized being added to my credit report. I have sent 4 letters disputing this information and the bureaus are violating by not completing a reasonable investigations and removing these unknown accounts off my credit report

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 2025-06-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
I had to get a new bridge installed in my mouth to replace the one that my former dentist installed over 40 years ago. My dentist participates in a credit card arrangement with a company called Care Credit, whose account is administered by Synchrony Bank. I have used this credit card in the past for eye doctor 's visits, as well as dental visits. In the past year or so, Synchrony Bank has implemented a " Paper Statement Fee '' of {$1.00} per month. This never existed as a fee before this was implemented about a year ago. I believe this discriminates against people for whom having the appropriate computer-based " gadgets '' would be a hardship. I am XXXX XXXX  of age and, although I have the ability to access the basic computer technology, I do not have all the " bells and whistles '' that younger people have to monitor and maintain their bills, like credit card statements. There are also younger people with XXXX who are impacted by such a fee. In the past, sending paper statements to consumers were considered a cost of doing business. With the increased dependence of computer-based technology in the marketplace, those of us in certain segments of the population are either being overlooked and/or discriminated against because we don't have the technology needed to conduct business with credit card ( and other ) companies. I think, at the very least, Synchrony Bank should allow certain segments of its creditor database to allow to " opt out '' of the " Paper Statement Fee '' if they are XXXX  or are 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 monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am filing this complaint against Experian for their failure to respond to my dispute letter dated XX/XX/XXXX, in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, which requires consumer reporting agencies to conduct a reasonable reinvestigation of disputed information within 45 days of receiving a consumers dispute. 
On XX/XX/XXXX, I mailed a dispute letter to Experian, disputing the following inaccurate and unauthorized information on my credit report : Inaccurate Accounts : XXXX XXXX XXXX Account Number XXXX : This account is reported inaccurately and should be corrected or removed. 
XXXX XXXX XXXX Account Number XXXX : This account is also reported inaccurately and should be corrected or removed. 
Unauthorized Inquiries : XXXX XXXX XXXX, dated XX/XX/XXXX XXXX XXXX XXXX, dated XX/XX/XXXX XXXX XXXX XXXX XXXX, dated XX/XX/XXXX XXXX XXXX XXXX, dated XX/XX/XXXX These inquiries were not authorized by me and must be removed from my credit report. 
As of XX/XX/XXXX, Experian has not responded to my dispute letter, nor have they corrected or removed the inaccurate accounts, unauthorized inquiries, or incorrect address from my credit report. This failure violates FCRA 1681i, which mandates that Experian investigate and respond to consumer disputes within 45 days.

Experians failure to respond to my dispute and correct the inaccurate information has caused significant harm, including a negative impact on my credit score, limitations on financial opportunities, and undue emotional stress. The presence of unauthorized inquiries and incorrect information further jeopardizes my creditworthiness, violating my consumer 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 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Incorrect Personal Information : My report includes outdated or completely incorrect addresses and phone numbers that I have never used or lived at. The report also includes incorrect variations of my name.

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 2025-06-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Block, Inc.
State: MD

Complaint narrative:
this correspondence goes with a previous claim of not receiving a refund. i made a purchase through XXXX and got a refund to my XXXX XXXX account. I have never received the refund on my XXXX  XXXX account. That claim was denied by the bank because they said they never received the refund. i am reaching out to XXXX again for the 10th time regarding my money. my previous claim number was XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-23 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am formally disputing the information listed below on my credit report. The data you are furnishing lacks proper verification, documentation, and legal substantiation as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and Metro 2 Compliance Standards.

Federal law mandates that only accurate, complete, and fully verified information may be reported. You are reporting derogatory and delinquent information without providing documented evidence to support its accuracy and legal permissibility. Reporting unverified or incomplete data is a direct violation of FCRA 1681e ( b ), 1681i ( a ), 1681s-2 ( b ), and Metro 2 data reporting guidelines. 

I demand that you immediately provide : Complete documentation validating each accounts existence. 
Proof of permissible purpose to report or furnish this data. 
Full compliance with Metro 2 format standards. 

Failure to produce proper evidence constitutes willful non-compliance and legal liability. If you can not verify the accuracy and ownership of the information, you are obligated under the FCRA to DELETE these items immediately. 

PERSONAL INFORMATION BEING DISPUTED : Name 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This is a formal demand for deletion of any unverifiable, inaccurate, outdated, or incomplete information. I expect a full written response confirming your actions and an updated copy of my credit report reflecting these changes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XXXX XXXX XXXX XXXX XXXX XXXX XXXX received a refund from the IRS in the amount of {$4900.00} that they did a money transfer to my bank account ending in XXXX to capital one bank but instead somehow the last 2 digits of my account number was incorrect so my refund was sent to a bank account in Capital One Bank ending in XXXX which happens to be an active checking account, I have provided Capital One Bank with the trace number several times to several different representatives, Capital One has finally given me an email address to where I could send the information that I have to help with this investigation that has taken until XX/XX/2025 for them to give me that should've been given in the first place before they acted like they had all the information that was needed to do an investigation. I spoke with a capital one representative in the consumer financial protection department, and this rep said that he couldn't see or find the trace number that I have sent to the email address that they gave to me but yet he was able to see all of the other documents that I have sent to that email. XXXX XXXX XXXX XXXX XXXX XXXX was made aware back on XX/XX/XXXX that my refund has not been received, so they faxed Capital One a hold harmless letter and yet Capital One is claiming that they need another LOI that needs to be faxed to the numbers that were given to me by them. Something does not seem right and now I'm starting to understand why Americans are starting to not trust banks for their financial needs. I will be reaching out to the Attorney General next because this is absolutely ridiculous, after the trace number was given along with the incorrect account number the money was sent to this should have been resolved by this point! It's like the bank is saying oh well whoever received your money can just keep my money!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am sending this complaint to Equifax regarding inaccurate data reported on my credit file that has not been validated, certified as accurate, or physically verified.

I have noticed potentially erroneous and highly questionable remarks on my credit report that were neither verified. As a consumer, I have the right to request that you remove these entries immediately, in accordance with my federal and state consumer rights. This complaint is also a check to ensure the items you report comply with FACTA Title 1, Section 151, which clearly outlines the procedures to be followed.

I request that these accounts be completely removed from my credit report. Please take immediate action to delete it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Grow Credit Inc
State: NY

Complaint narrative:
Dear CFPB, I'm writing to file a complaint against Grow Credit Inc. They reported a late payment on my account despite my notifying them of my military service and financial hardship under the Servicemembers Civil Relief Act ( SCRA ). Although I've paid the balance in full, the late payment is still being reported.

I request assistance in resolving this issue and removing the negative credit reporting. I believe this reporting is inaccurate and unfair given the circumstances.

Thank you for your help. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
Transworld systems is reporting a debt in the amount of XXXX, i have called them this debt is not mine I don't have any debt owed to anyone with Transworld Systems, When I ask for the original creditor I am not told, I have had Identity fraud and this is prob linked to it. Can you please get in touch with these people and have this taken off my credit reports or I will be forced to sue them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: FISERV FINXACT CORE
State: MO

Complaint narrative:
My card was mailed to me on XX/XX/XXXX and after not receiving it I reached out to XXXX XXXX on XX/XX/XXXX and was told that it was sent to the wrong apartment number but they would not share the apartment number with me. I then asked that there be a card expedited to me since I have already been waiting over 20 days and that request was also denied. Mind you, it took over XXXX hours and 6 phone calls to even get to this point. I was also told that the account balance was XXXX although literally minutes before I was told by XXXX XXXX XXXX XXXX had been made on my account and should already be posted as they were made on XX/XX/XXXX and today is XX/XX/XXXX. I then asked them if they could please waive the fee since it was their mistake and that request was denied. I requested access to my account so I could see when the funds do post, that request was denied. I then asked if a note could be put on my account to send an expedited card as soon as funds hit and that request was also denied. I asked to speak to a supervisor, XXXX agent # XXXX and explained to him that my rent is due and they are going to start the eviction process in 4 days if my rent is not paid not too mention late fees. I requested all of the above requested services from him and he denied every request and told me to call back daily. It literally takes roughly 45 minutes to an hour to reach a representative. I am sure there is some sort of solution other than me having to wait 7-10 business days for a new card. Also, I was told I can not access my online account without a card which is ridiculous. Please Please help me with this company. I have no groceries, I'm on the verge of being homeless all because of a typo that was their mistake not mine. This is not a joke. I'm on the verge of a nervous breakdown. Please help

Company response to consumer: Closed with explanation