vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-14 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: PA

Complaint narrative:
I am writing to file a formal complaint against the Credit Reporting Agencies ( CRAs ) for violating the Fair Credit Reporting Act ( FCRA ), specifically Section 15 USC 1681b ( a ) ( 2 ), which governs the permissible purpose of furnishing consumer reports.

The FCRA explicitly states : " A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I DID NOT provide any written authorization or written instructions to the CRAs to report or share my consumer report information. Despite this, my information has been disclosed, which constitutes a clear violation of the law.

Equifax, Experian and Transunion have violated my consumer rights. I am attempting to settle this inaccurate matter privately, NOW. I received a copy of my credit report and noticed account ( s ) that needs to be immediately DELETED. It is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-12-14 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: GA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-12-14 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:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-12-14 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:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

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 2025-12-14 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: NC

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from 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 2025-12-14 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: TX

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-12-14 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: MA

Complaint narrative:
On [ date ], I submitted a complete identity theft report to Transunion regarding a fraudulent account that resulted from identity theft. 
My submission included all materials required under 15 U.S.C. 1681c-2 ( a ) : An identity theft report ( police report and/or FTC Identity Theft Affidavit ) Proof of identity Proof of address A written statement that the account resulted from identity theft and was not opened or authorized by me Despite receipt of a complete identity theft submission, Transunion failed to block the reporting of the fraudulent account within four business days, as required by federal law.

Instead, Transunion improperly initiated a reinvestigation under 15 U.S.C. 1681i, stating that it would conduct a 30-day investigation.

Under 15 U.S.C. 1681c-2 ( a ), a credit reporting agency must block identity-theft-related information within four business days once a complete identity theft report is received, unless the agency has a reasonable belief of misrepresentation. 

Transunion did not provide any written notice of refusal, any claim of misrepresentation, or any explanation justifying failure to block.

This constitutes a failure to comply with the Fair Credit Reporting Act.

What I want : Immediate blocking and deletion of the fraudulent account Written confirmation that the account has been blocked pursuant to 15 U.S.C. 1681c-2 ( a ) Correction of my credit report to reflect the removal of identity-theft-related information

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 2025-12-14 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Problem getting a working replacement card
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have a synchrony home credit card specifically for XXXX XXXX - I never received the physical card. Its been months, theyve attempted to send me the card over 4 times. My address is correct. Still have not received it and have to keep calling to cancel the ones they have sent, request a new one, and pay my bill on the phone with them Ive begged them to send the card a more secure way. That would maybe require my signature but they refuse and just keep sending me the card through USPS with no tracking. They cant even track where the card is! So I have multiple cards out there somewhere with my name and information on it Its unacceptable I am furious

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 2025-12-14 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: CORELOGIC INC
State: NC

Complaint narrative:
So couple days ago I received an email its saying thats you score has dropped off because of new inquiry has been attempted to my credit file. So I was opening my trans union account to check and I saw company called CredcoI has attempted to my credit file and dropped off these points. Actually I was shocked because I didnt apply to anything like credit cards or loans or even mortgage companies. So I was sending Credco and asking them to explain why they did hard inquiry on my credit file where I am not applying to any products!! I am working and working to collect these points!! How thats possible and also they didnt even respond back to me with anything. So please I need help these to anyone whom concerns about us as consumers please 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 2025-12-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
They have not only called me repeatedly, left threatening voicemails. When they failed to reach me, they contacted my step mother and an uncle i don't speak to telling them both I owed them money and needed to contact them. They also e-mail me several times a day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC.
State: LA

Complaint narrative:
I am disputing inaccurate and incomplete credit reporting under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). 

The company failed to provide documentation demonstrating a reasonable investigation, including the complete payment history, verification of the balance, chain of assignment, and evidence supporting the date of first delinquency. 

A narrative explanation does not satisfy the Fair Credit Reporting Acts verification requirements. Because this information has not been provided, I am requesting that this account be corrected or deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 00:00:00
Product: Prepaid card — Payroll card
Issue: Trouble using the card — Problem with direct deposit
Company: Netspend Corporation
State: KY

Complaint narrative:
The IRS issue my money on XXXX today is day 4 no deposit they won't release it won't tell me anything and things up on me I need my money

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 2025-12-14 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: NV

Complaint narrative:
I am filing this complaint because my consumer credit report contains multiple inaccurate, conflicting, and unlawfully reported negative accounts that continue to cause financial harm despite clear violations of federal law and credit reporting standards. These accounts are being reported with inconsistent balances, contradictory statuses, improper charge-off coding, duplicate collection activity, and unverifiable payment histories across the credit bureaus. 

Several of the negative accounts on my report are being reported differently on Experian and Equifax, including accounts that appear as both closed and open, charged off yet still reporting late payments, or duplicated under different furnishers for the same underlying debt. This includes collection and charge-off accounts tied to XXXX XXXX / XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX where the same debt is reported multiple ways with no clear chain of custody, no proof of assignment, and no consistent account status. 

Additionally, I have a charged-off XXXX account reporting only on Equifax with an extreme and facially unreasonable late-payment history that is not supported by any documentation. This account does not appear consistently across the other bureaus, which alone raises serious accuracy and completeness concerns under federal law. 

I also have a XXXX XXXX account that was previously charged off and later settled or resolved, yet Equifax continues to report it as derogatory years later, while the other bureaus report materially different outcomes. Reporting a charge-off after settlement or resolution, without uniform post-settlement coding, is misleading and violates Metro-2 reporting requirements. 

These reporting practices violate the Fair Credit Reporting Act, including the requirement to maintain maximum possible accuracy, conduct a reasonable investigation, and delete or correct information that can not be verified. They also violate FACTA identity-theft and reinvestigation protections and, where collections are involved, the Fair Debt Collection Practices Act due to continued reporting of disputed and unverified debts. 

As a result of these inaccuracies, I have suffered credit denials, higher interest rates, lost financial opportunities, and ongoing stress. I am not disputing minor clerical issues. I am disputing the fundamental legality and accuracy of how these negative accounts are being reported and maintained.

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 2025-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: CT

Complaint narrative:
On XX/XX/year>, I made a mortgage recast payment ( $ XXXX toward the principal, plus the {$250.00} recast fee ) to NewRez, the company that services my loan. Today it's XX/XX/year>, more than the 60 days they said it would take to process, recalculate and adjust my monthly payment. I have been waiting on the mortgage recast authorization form from NewRez, which they had promised to mail to me to fill out and return to them to complete the recast, but despite multiple phone calls and escalation to multiple supervisors over the course of the past 2+ months, they have not even recalculated my recast, nor mailed the form out to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: DC

Complaint narrative:
Chime refused to give me access to my debit card after updating my password. They also claimed that they had access to my location when they did not, falsely claiming someone logged in from XXXX when I was in XXXX. They then used this false information to request facial recognition scanning of my image as a selfie and also asked for photo id photos. 

They refused me access to my debit card They refused to let me see my debit card number no matter what. 

Major app errors on Sunday XX/XX/year> App pages were blocked and denied customers access to their accounts. 
My account was compromised and blocked from within and they used the situation to spy on me and steal my id and image They then requested id and facial recognition verification after they were caught playing with my app.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 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: VA

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, must allow at least 21 days between the statement date and the payment due and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-12-14 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: NC

Complaint narrative:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( 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 2025-12-14 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: NC

Complaint narrative:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( 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 non-monetary relief