vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-20 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 previously submitted a valid identity theft dispute under FCRA 605B, including : 1. A signed FTC Identity Theft Report 2. A police report filed with my local Police Department 3. A written statement explaining the fraud The following accounts remain on my credit report in violation of FCRA 1681c-2 ( a )

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 2025-08-20 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:
I am disputing a late payment reported on my credit file. My records demonstrate timely payment of all obligations, and the reported entry is inaccurate. This false information is harming my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 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: AR

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

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : 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 {$150.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-08-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am disputing a fraudulent account reported under my name. I have no connection to this account and never authorized it. Its presence is false and is negatively impacting my credit profile.

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 2025-08-20 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: TX

Complaint narrative:
On XX/XX/year>, I submitted a dispute to TransUnion regarding multiple inaccurate and fraudulent accounts and personal information reporting on my credit file. Under FCRA 611 ( a ) ( 1 ) ( A ), TransUnion is required to conduct a reasonable reinvestigation within 30 days. 
When I called TransUnion to follow up on XX/XX/year>, I was told they had no record of my dispute. Instead of providing written results as required under FCRA 611 ( a ) ( 6 ), they merely gave me generic phone numbers for furnishers. They did not provide my updated credit file, did not issue a written investigation outcome, and did not provide any details of their verification procedure as required under FCRA 611 ( a ) ( 7 ). 
This means that TransUnion either : Failed to log and retain my dispute properly, or Ignored my dispute entirely and never conducted an investigation. 
Either way, this is a clear and willful violation of the FCRA. By suppressing or discarding my dispute, TransUnion has denied me my consumer rights, obstructed the dispute process, and allowed inaccurate information to continue damaging my creditworthiness.

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 2025-08-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XXXX XXXX  while completing a transaction through an online merchant using paypal as the payment method, I received an offer to sign up for the Paypal Mastercard 3 % Cashback card which had a {$50.00} signup bonus attached to it. The {$50.00} bonus was supposed to be issued in the form of cashback. Although I met the spending requriement for the cashback bonus, I never received it - and still have not received it after numerous calls to Synchrony and Paypal over a 6 month period. 

Initially representatives I spoke to at both Synchrony and Paypal denied that any such bonus existed, with each company telling me to call the other. Then earlier in the year a rep at Synchrony told me there was such a bonus and I qualified for it but it would not be credited to my account for 3 months. 3 months passed and I still did not receive it. I called again and was once again told by another Synchrony rep no such bonus existed and told to call Paypal. Paypal responded exactly the same way!

Finally, on XX/XX/2025, XXXX, I spoke to a supervisor, XXXX XXXX at Synchrony, who informed me that there was indeed a {$50.00} signup bonus and that the {$50.00} promotion was actually attached to my account. She said she could clearly see the promotion attached to my account when she pulls it up on her screen, and it was incomprehensible to her that previous reps could have told me there was no such promotion. She told me that the rewards department would issue {$50.00} cashback to my account within 1 to 2 billing cycles. She said she would attach the promotional ID attached to my account and let them know clearly what needed to be done and that no investigation was necessary. After this I even received an email document, on XX/XX/XXXX, from Synchrony ( attached ), stating that my request had been approved. Yet here we are now on XX/XX/XXXX, and I sitll have not received the {$50.00} cashback promotion. 

The upshot is that still, 8 months after receiving my Paypal Cashback Mastercard, and after numerous calls to both Paypal and Synchrony in an attempt to resolve the issue, I still have not received the promised promotion.

I should also add that internet credit card forums are full of other customers complaining that they did not receive the promised {$50.00} signup bonus for this card, so this is not an isolated case.

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 2025-08-20 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 requesting a reinvestigation of every item on my current credit report pursuant to Section 609 of the Fair Credit Reporting Act ( 15 U.S.C. 1681g ). Under this section, you are federally mandated to obtain verification of the accuracy and completeness of all information in my file. If any portion of my credit reportsuch as accounts, judgments, balances, payments, late payments, or account historycannot be verified as 100 % accurate and complete, I am requesting that it be deleted or modified immediately. The disputed items are listed in the attached document.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: KEYCORP
State: WA

Complaint narrative:
I tried to open a XXXX XXXX Checking account in person yesterday Tue XX/XX/XXXX but was denied with no explanation. I was only referred to XXXX with whom I am speaking right now although their rep is barely intelligible. There are no delinquencies, bounced checks, etc., on my XXXX  report and they have provided XXXX clarity except to repeat what I can read directly on the XXXX  report myself. 

Their " consumer score '' explanation mentions something about the number of unique inquires in the last 30 days ( code XXXX ). Not including Key Bank, there was exactly ONE unique inquiry from another institution. 

Also, there is another code, XXXX, that XXXX  vaguely described as the consumer ( me ) and the institution ( Key Bank ) having an insufficient relationship over the last 3 years or some other drivel. I had a Key Bank checking account until XX/XX/year>XXXX  so within the last 3 years and I currently have a savings account with XXXX XXXX which is a Key Bank subsidiary. 

I would like someone from Key Bank to respond and explain why the account was not opened and not just refer me to XXXX  who are totally useless.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-08-20 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
URGENT LEGAL DEMAND FINAL NOTICE Fraudulent Medical Debt Reporting Immediate Deletion Required XXXX XXXX ( XXXX ) Medical debt reporting banned in Oregon XXXX XXXX ( XXXX ) Consumer Privacy Rights Act : deletion demand is mandatory UTPA ( XXXX  XXXX ) Unlawful trade practices, civil penalties apply FCRA 1681t / 1681n / 1681o- Federal + state violations, statutory & punitive damages

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 2025-08-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Subject : Request for Information - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear TransUnion ( XXXX XXXX XXXX, ) This letter is to request specific information regarding the XXXX  account ( Account Number XXXXXXXX XXXX XXXX XXXX XXXX ) currently listed on my credit report. This is not a dispute of the debt itself. I am writing to request information under the provisions of 15 U.S.C. 1681s-2, which outlines the responsibilities of furnishers of information. 
Specifically, I am requesting the following information related to this account : Date of First Delinquency : The date the account first became delinquent with XXXX. 
Date of Last Payment : The date the last payment was made on the account to XXXX. 
Date of Charge-Off : The date XXXX charged off the account. 
Chain of Assignment : Documentation showing the complete chain of ownership from XXXX to XXXX XXXX XXXX, including all dates of assignment with the sale agreement with my signature. 
Providing this information will help me understand the history of this account and ensure its accuracy. 
Thank you for your time and attention to this matter. I look forward to receiving the requested information within 30 days. 
Sincerely, 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 non-monetary relief
Consumer complaint received 2025-08-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
I am requesting validation of the alleged debt referenced above, as is my right under the Fair Debt Collection Practices Act ( FDCPA ). 15 U.S.C 1692g.

Please provide : The name and address of the original creditor. 
The original account number. 
A copy of the original signed agreement showing my responsibility. 
Proof you are licensed to collect in my state. 
Until you provide proper validation, you must cease all Collection activities, including reporting this debt to the credit bureaus. If it has already been reported, please notify the credit agencies that the debt is disputed, as required by 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 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have encountered difficulties accessing my EQUIFAX account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 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: NJ

Complaint narrative:
These accounts are being reported under my name without my authorization or knowledge. At no point have I authorized, opened, or managed these accounts. This is unacceptable and reflects false and misleading information on my credit profile. I take my financial history very seriously, and the presence of these unauthorized accounts is both alarming and damaging.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am submitting this formal complaint against Capital One for violations of the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws regarding the improper re-insertion of an account that is currently under dispute and covered by an active identity theft block. 

Background I filed an official dispute regarding an inaccurate Capital One account through the Consumer Financial Protection Bureau ( CFPB ). 

While that dispute remains open and unresolved, Capital One has re-inserted the disputed account onto my credit file without providing resolution or notifying me of their actions. 

Furthermore, an identity theft block is in place regarding my credit profile, yet Capital One has disregarded the protections afforded under FCRA 605B.

Violations Capital Ones actions constitute clear violations of federal consumer protection laws, including but not limited to : FCRA 605B ( 15 U.S.C. 1681c-2 ) Identity Theft Blocks This section requires consumer reporting agencies and furnishers to honor an identity theft block. Re-inserting an account subject to such a block is a violation of federal law.

FCRA 611 ( a ) ( 5 ) ( B ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) Re-insertion of Information If disputed information is deleted, a furnisher or CRA may not reinsert that information unless they certify its accuracy.

Even when reinsertion is permitted, the consumer must be notified within 5 business days. Capital One failed to provide any such notice prior to reinserting the account.

Violation of CFPB and FTC Guidance Federal guidance prohibits furnishers from re-reporting disputed or blocked information while a consumer complaint is still under review or investigation.

By doing so, Capital One is engaging in unfair and deceptive practices that harm my creditworthiness. 

Harm The unlawful reinsertion of this disputed and fraudulent account has caused direct harm to my credit profile, financial opportunities, and ability to obtain housing and lending approval. This ongoing misconduct by Capital One undermines both the integrity of the CFPB complaint process and my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
My credit report shows that Capitol One ( XXXX now ) charged off my debt in XX/XX/year>. Which means that they wrote off the debt on their taxes. Yet I never received a 1099-c for my taxes as income of the amount of {$7200.00}. Now that they wrote off the debt in XXXX  they are now coming after me for the monies even though they already showed it as a loss. So I am requesting a copy of the 1099-c that they would have had sent me to do this. I have called the lawyers office several times but can not get thru to a person. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am disputing the late payment ( s ) listed above due to : The late payment was incurred due to an error that I believe your company is responsible for. I was informed by the hardship department that a late payment was NOT going to occur on my credit file if I signed up for the program. My husband was diagnosed with XXXX as of XX/XX/year> and we needed assistance with our mortgage. The employee that I talked to stated that since Ive never been late on my mortgage payment that she still was going to allow me to enter the hardship program. My husband recently died in XX/XX/year> which has been a lot on me being a widow as of now. The loss of a spouse has a profound emotional impact and creates unexpected financial strain. Timely mortgage payments are important, and that is why we have never been late on our monthly payments. A late payment was NEVER discussed and was never required for me to be enrolled in their hardship program. This late payment has affected my perfect payment history with XXXX XXXX XXXX BANK, and should have never been reported to all 3 credit bureaus. 

Therefore under the Consumer Financial Protection Bureauss Regulation X, error resolution process detailed under 12 C.F.R 1024.35, I am requesting that you correct my credit report by removing the mortgage late payment dated : XX/XX/year>. Per the 15 U.S.C. 1681e compliance procedure states whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates. I have never missed a payment on the account with XXXX XXXX XXXX XXXX BANK-ACCT # XXXX ). Per the 15 USC 1666b, part of the Truth In Lending Act ( TILA ), governs the timing of payments for open end consumer credit plans, credit cards, and mortgage payments. It dictates that creditors can not treat a payment as late unless they have mailed or delivered the periodic statement at least 21 days before the payment due date. This provision ensures consumers have sufficient time to review their statements and make timely payments. I demand that this late payment be promptly updated and deleted off of my credit file asap! I have consistently upheld my payment obligations without delay and this late payment is an error on your behalf! 
Please take in consideration my concerns regarding this matter and I hope to be hearing from you in the near future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 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: FL

Complaint narrative:
Credit inquiries that i did not authorized : 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 explanation