vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-28 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 filing this complaint regarding inaccurate and incomplete information on my TransUnion credit report. 

Charged-Off / Collection Accounts I dispute the accuracy of the following accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XX/XX/XXXX, {$680.00} ) Some accounts appear outdated, duplicated, or reported with incorrect balances or statuses. I am requesting TransUnion verify each account and remove any information that can not be substantiated. 

XXXX XXXX I dispute the following inquiries as potentially unauthorized or lacking permissible purpose : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The late payment reporting on these accounts is inaccurate or misleading and should be corrected or removed.

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 2025-12-28 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 submitting this dispute to challenge inaccurate and unverifiable information on my TransUnion credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), I am requesting that TransUnion investigate the following items and correct or delete any information that can not be fully verified. 

Charged-Off Accounts XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  | Opened XX/XX/XXXX | Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | Opened XX/XX/XXXX | Balance {$0.00} Inquiries DEPT XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX Late Payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * * * *

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My wife, XXXX XXXX, found out XX/XX/XXXX that a 3rd party was using XXXX to pull money from our Bank of America checking account through ACH transactions. She called BofA that day to dispute the charges and freeze the account. We also setup a meeting with XXXX XXXX, Senior Banker, on XX/XX/XXXX. 

We found out these fraudulent ACH transfers had been going on since XXXX. Some transactions include 2 withdrawals on XX/XX/XXXX for {$1800.00}, transaction on XX/XX/XXXX for {$3800.00}. XXXX XXXX, XXXX XXXX office, informed on XX/XX/XXXX, that about {$29000.00} was withdrawn from our account, # XXXX, through XXXX  ACH transactions. XXXX created a dispute at BofA # XXXX. 

I then called XXXX on XX/XX/XXXX and spoke with XXXX. After much discussions, they found that a fraudulent business account was opened in my name. XXXX refused to provide details on how it was established and what the e-mail for phone was associated with the fraudulent account, but did say they would freeze the fraudulent account. They would not create a case number, but said instead that BofA would lead the investigation. 

We subsequently received a BofA letter on XX/XX/XXXX stating " The merchant 's bank provided documentation showing proof of your authorization. We recommend you contact the merchant directly for further assistance in your dispute ''. 

I did immediately recontact XXXX. I spoke with XXXX and XXXX, they would not help or provide any information. They said it was a BofA problem. 

I've informed BofA and XXXX- on multiple occasions - that I did not authorize the transfer. 

I called XXXX XXXX again at BofA on XX/XX/XXXX to once again to explain the situation. That BofA claims that ACH transfer was authorized and I again reiterated that I did not authorize the transfer. She recommended I call online banking at BofA. I did on XX/XX/XXXX, but got not answer. I called again on the XXXX, and spoke with XXXX- in North Carolina- and asked him to freeze all my online access, to prevent future fraud. However he informed me that freezing my online access would not stop future ACH transactions caused by identify theft, I filed an FTC Identity Theft Report on XX/XX/XXXX, # XXXX. 

We are appealing to BofA at this time.

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 2025-12-28 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: AL

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of 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 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: IL

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: CA

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

1681c2 ) that you, the Equifax 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 : INQUIRIES : XXXX Date : XXXX ACCOUNTS : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX, Date Opened : XXXX, Balance : {$11000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: SC

Complaint narrative:
I have alot of inquiries on my equifax credit report that I didn't apply for. I feel I have been a victim of identity fraud. Here are some of them. I have over XXXX hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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:
I am submitting this complaint to formally dispute inaccurate, incomplete, and unverifiable information that continues to be reported on my consumer credit reports. I have reviewed my credit files and identified multiple accounts and data points that do not meet the accuracy and completeness requirements of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ) and 1681i.

Charged-Off Accounts The following accounts are reporting inconsistent account numbers, balances, and dates, indicating inaccurate or incomplete data : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 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: LA

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged-Off Accounts XXXX XXXX Account No. XXXX Date Opened : XX/XX/XXXX | Balance : {$0.00} XXXX XXXX XXXX Account No. XXXX Date Opened : XX/XX/XXXX | Balance : {$620.00} XXXX XXXX Account No. XXXX Date Opened : XX/XX/XXXX | Balance : {$31.00} XXXX Account No. XXXX Date Opened : XX/XX/XXXX | Balance : {$810.00} I dispute the reporting of these accounts and request proper validation and documentation supporting their accuracy. 

Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I do not recognize or recall authorizing these inquiries and request proof of permissible purpose. 

Late Payments XXXX Account No. XXXX XXXX XXXX Account No. XXXX XXXX Account No. XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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:
I am disputing the following inquiries listed on my Equifax credit report : XXXX XX/XX/year> XXXX XX/XX/year> I did not authorize these inquiries and no permissible purpose has been proven. Equifax is required under FCRA 611 to ensure all reported data is accurate and verifiable. To date, I have not been provided any documentation confirming my consent. 

If Equifax can not produce proper verification showing lawful authorization, these inquiries must be removed from my credit file immediately. 

Inaccurate XXXX XXXX XXXX I am disputing the late payment reporting for : XXXX Account # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 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 2025-12-28 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: TN

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency.

FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period. 
Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 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: IL

Complaint narrative:
The absence of any verifiable documentation to confirm the accuracy of this information, along with the reporting of data that has not been properly substantiated, constitutes a direct violation of the requirements set forth under 15 USC 1681i ( 7 ). This failure to comply with statutory obligations is not only concerning but also highly disappointing, given the importance of maintaining accuracy and following federal guidelines.

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 2025-12-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: OH

Complaint narrative:
I submitted a formal request for validation of debt to Caine & Weiner on XX/XX/year>, pursuant to FDCPA XXXX. On XX/XX/year>, Caine & Weiner responded stating that they had completed their investigation and that they would mail the consumer verification. 

To date, I have not received any verification or validation documentation. The response provided did not include proof that I am legally obligated to pay the debt, documentation showing ownership or authority to collect, or an itemized accounting of the balance. 
Despite failing to provide the promised verification, Caine & Weiner continues to treat the account as valid and has reported and/or maintained this account on my credit report. 

Continued collection or credit reporting without providing validation constitutes continued collection activity in violation of FDCPA 809 ( b ) and inaccurate reporting under the FCRA. 
A fair resolution is the deletion of this account from all consumer reporting agencies due to failure to validate the alleged debt after a timely request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: TRUEBILL, INC
State: FL

Complaint narrative:
I signed up for rocket money with my usual email. That email address was recently compromised, so I changed my email on most services, I must've forgot to do so on rocket money. A few days ago I was logged out of rocket money for some reason, and my password is not working. I only have the option to send a password reset to the compromised email. That's as expected, however there's no place to contact support on the app or the website. Meaning this company just has access to my accounts, and is just sending password resets to my compromised email. I have no way to contact them, or remove my info. That has to be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am reporting a repeated, illegal reinsertion of a XXXXt account on my TransUnion credit report, in violation of FCRA Section 611 ( a ) ( 5 ) ( B ). This account was ordered removed following my Attorney General complaint, but TransUnion has failed to maintain the deletion, allowing it to reappear multiple times. 
The pattern of violation is as follows : XX/XX/XXXX : The account was removed ; my score increased significantly. 
XX/XX/XXXX : The account was reinserted as a 'closed ' account ; my score dropped immediately. 
XX/XX/XXXX : After further action, the account was removed again, and my score jumped XXXX points. 
XX/XX/XXXX : Within XXXX hours, the account was reinserted yet again, causing a XXXXpoint drop. 
TransUnion has failed to provide the mandatory XXXX-day written Notice of Reinsertion for either of these instances. Furthermore, the fact that this has happened twice in XXXX months proves that TransUnion is not maintaining 'reasonable procedures ' to prevent the reappearance of deleted information. I have attached screenshots of my score history from these specific dates as proof of this 'yo-yo ' reporting effecting my ability to get reliable transportation and housing.

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 2025-12-28 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I recently applied a new Amazon store card issued by Synchrony and there was a balance of {$5.00} balance on my account since XX/XX/year> which I didnt notice since I switch back to use my otherAmazon prime card. 
On XX/XX/year> I received a statement from Synchrony Amazon store card saying their total XXXX XXXXXXXX fees and interest to my account will be {$10.00} on my balance of {$5.00}. however their annual percentage rate on my statement says 29.74 %. {$10.00} charge on {$5.00} balance for 3 month is way over 29.74 % annual fee they claimed. 
I called the Synchrony representative asking for explanations and didnt get a good answer. 
I need to know how it is reasonable to charge nearly 200 % interest over 3 months or 800 % interest annually on consumer credit card?

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 2025-12-28 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: HI

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 explanation
Consumer complaint received 2025-12-28 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: OH

Complaint narrative:
I am disputing the following accounts reported as charged off. These accounts show inaccurate reporting, including balance inconsistencies, improper charge-off status, and lack of complete verification. I am requesting validation and documentation proving accuracy. If the furnisher can not fully verify, these accounts must be corrected or removed. 

Charged-Off Accounts XXXX XXXX XXXX Account No : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXXXXXX Account No : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

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