vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-18 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: MO

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-12-18 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: MO

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am requesting debt validation for an account under the name " SYNCB/HFT '' with account number XXXXXXXX XXXX XXXX I have not received any formal communication or documentation proving that I owe this debt.

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 2025-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
I entered an agreement with XXXX XXXXXXXX locators to locate assets about my divorce case. I provided my credit card info and it was charged {$2500.00}. XXXX never provided any reports. They asked for more info on multiple occasions but never provided anything to me. I disputed the charge, which XXXX agreed to. Capitol One Mastercard refused to reverse the {$2500.00} charge claiming that I had no verifiable proof that I had canceled the transaction. The info I had was a text chain, which I provided. Capitol One refused to accept my submission. XXXX provided a false statement that a complete investigation had been done. XXXX never gave me that report. I believe they are/were retaliating because I disputed the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: CA

Complaint narrative:
I found multiple inquiries from companies with which I have never applied for credit or granted permission to access my information. These unauthorized entries are negatively affecting my credit score and raise concerns about potential identity misuse or reporting errors. Despite my efforts to resolve this issue, the problem persists.Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is inaccurate. I am requesting a full investigation to verify the origin and legitimacy of these inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: GA

Complaint narrative:
CFPB Complaint ( Consumer Harm + Bureau/Bank Accountability I am submitting this complaint regarding Experian, Equifax, TransUnion, and data furnishers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX for ongoing violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). I initiated disputes on XX/XX/year> and have continued submitting disputes every 30 days through XX/XX/year>. All disputes included valid proof of identity and address. 
Despite this, Experian issued stall letters dated XX/XX/year> and XX/XX/year> stating the disputes were not me, even though my identity had already been verified. No material corrections have been made. Late payments and account histories for XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX inaccurately reported and inconsistent across the three bureaus. Several accounts continue to be reported as not disputed, which is factually incorrect. 
These actions constitute failures under FCRA 1681e ( b ) for inaccurate reporting and 1681i for unreasonable reinvestigation practices. The continued reporting of disputed late payments is causing ongoing consumer harm.

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 2025-12-18 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: NC

Complaint narrative:
This is a follow-up complaint regarding [ XXXX  / Equifax / XXXX  ] . I previously filed a dispute and complaint under the FCRA ( 15 U.S.C. 1681i ), but the bureau continues to ignore its obligations. The inaccurate accounts remain on my file despite clear statutory violations. As established in XXXXXXXX XXXX  XXXX  ( XXXX ), XXXX ( XXXX ), and XXXX XXXX XXXXXXXX  ( XXXX ), such conduct is unlawful and has already resulted in significant liability for the credit bureaus. 

Accounts Still Inaccurate :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I previously disputed late payment information that is being reported on my consumer file. The bureau was informed that this information is excluded from consumer reporting under 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), yet the reporting continued. I then filed a second complaint for willful continuation of the violation, and the bureau still has not deleted the information. At this point, I am challenging the accuracy and verifiability of the reported data. The bureau has not produced any proof that the furnisher is legally authorized to report these late payments or that the data is verifiable through proper documentation. If the bureau can not produce validation, chain of custody, or authentication of the data furnished, then the information is legally unverifiable and must be deleted under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: IL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: KS

Complaint narrative:
I had blocked a {$200.00} transfer on Cash App through my bank. Cash App allowed the transfer to go through even though I had blocked it. It was blocked by my bank at XXXX XXXX  on XX/XX/XXXX. The transfer was allowed around XXXX XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: MD

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-12-18 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: CO

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following accounts listed in my credit report. These accounts are being reported inaccurately and should be corrected or removed as they do not accurately reflect the status of my financial situation. 

Charged Off 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-12-18 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:
I am writing to dispute certain items on my credit report as of [ insert today 's date ]. The following accounts have been disputed for incorrect reporting under the Fair Credit Reporting Act ( FCRA ). 

Inquiries : XXXX, XX/XX/year> XXXX XXXX, XX/XX/year> Late Payment : 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 2025-12-18 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 am submitting this complaint as a consumer who is attempting to correct inaccurate, incomplete, or unverifiable information on my Equifax credit report. 

After reviewing my report, I am disputing the following charged-off account : XXXX XXXXXXXX XXXX Account # XXXX ( Opened XX/XX/year>, Balance {$1300.00} ) I do not believe this account has been properly verified, and I am disputing the accuracy and completeness of the reporting. I am requesting Equifax to conduct a full reinvestigation and require the furnisher to provide complete documentation showing that this account is reporting accurately and that they have the legal authority to report it. 

If this information can not be fully verified, I respectfully request that it be corrected or removed in accordance with the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Conduent Incorporated
State: NY

Complaint narrative:
I experienced unauthorized XXXX and ATM transactions on my Way2Go government benefits card. I never received the card associated with these transactions. My address and account information were changed without my consent. 

Despite multiple calls, identity verifications, and submitting a fraud claim, Way2Go denied my claim and failed to provide requested records or a proper explanation on how my address kept getting changed and the method that was used. I am seeking reimbursement of stolen funds, correction of unauthorized account changes, and a full review of this account takeover. 

On or around XX/XX/XXXX, unauthorized transactions occurred on my Way2Go government benefits card, including a XXXX charge and ATM withdrawals totaling approximately {$980.00}. I did not authorize these transactions and did not have possession of the card used. 

On XX/XX/XXXX, I contacted Way2Go customer service to report fraud. I was informed that my address and card information had been changed without my authorization. I completed identity verification as requested. 

On XX/XX/XXXX, I filed a formal fraud claim regarding the unauthorized transactions. I requested account statements, transaction records, and documentation explaining how my address and card details were changed. 

On XX/XX/XXXX, Way2Go denied my fraud claim without providing the requested documentation or a clear explanation. I continued to contact customer service multiple times but was not given access to my account, statements, or investigation records. 

As of XX/XX/XXXX the stolen funds have not been reimbursed, the unauthorized account changes have not been corrected, and I remain unable to access full account records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: AZ

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

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 2025-12-18 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: NY

Complaint narrative:
I am submitting this complaint because my Equifax credit report contains several inaccuracies and inconsistencies that are negatively affecting my credit profile. 

1. Incorrect or inconsistent address reporting Equifax lists the following address information, which is incorrect or incomplete : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ( correct ZIP should not include extra digits as seen in Experians record ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX ( this address should not be showing as current or associated with recent activity ). 

These addresses are not being consistently reported across the bureaus, which may cause confusion and incorrect association of accounts.

2. Charged-off accounts reporting inaccurately The following accounts are either obsolete, incorrectly reported, or inconsistent with other bureaus : XXXX ( Acct. XXXX ) XXXX ( Acct. XXXX ) XXXX ( Acct. XXXX ) XXXX XXXXXXXX ( Acct. XXXX XXXX XXXX  ( Acct. XXXX ) XXXX ( Acct. XXXX ) XXXX XXXX ( Acct. XXXX ) XXXX  ( Acct. XXXX ) XXXX  ( Acct. XXXX ) XXXX XXXX XXXX. ( Acct. XXXX ) XXXX XXXX ( Acct. XXXX ) XXXX XXXX  ( Acct. XXXX ) I am requesting an investigation to verify all of these accounts and to ensure only accurate and verifiable information remains. Any unverifiable or inconsistent reporting should be removed per FCRA 611.

3. Late payment history XXXX  ( Acct. XXXX ) XXXX XXXX ( Acct. XXXX ) Late payment data appears inaccurate and inconsistent compared to other bureaus. Please re-verify dates and payment history. 

I request that Equifax review all disputed items, correct or remove inaccurate entries, and provide an updated report.

Company response to consumer: Closed with non-monetary relief