vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-04 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: CA

Complaint narrative:
I am disputing the following account with TransUnion due to its inaccuracy : Charged Off Accounts : XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/year>, 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
Consumer complaint received 2025-12-04 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX, I attempted to cash my payroll check at Bank of America. The teller endorsed/stamped the check, which prevented me from cashing or depositing it anywhere else. After endorsing the check, they refused to release my funds, claiming my ID was expired. 

I provided three forms of identification : A Texas state ID card ( valid ) A Texas paper temporary drivers license from the XXXX  My Social Security card Despite this, Bank of America refused to cash my payroll check with no valid reason. 

Because they had already stamped the check, my employer was forced to issue a replacement check, which took 10 days due to the holiday period. During this entire time ( XXXX ), I had no access to my own wages. 

On XX/XX/XXXX, when I finally received the replacement check, XXXX  Check Cashing accepted the exact same ID with no issues and cashed the check immediately. I attached the XXXX  receipt showing this. 

Bank of Americas actions caused severe financial hardship : I had to borrow {$700.00} just to pay for food, gas, and basic needs for myself and my daughter. 
I went 10 days without access to my earned wages solely because Bank of America refused valid identification after endorsing the original check. 
This caused emotional distress, embarrassment, and disruption during the XXXX holiday period.

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 2025-12-04 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: PA

Complaint narrative:
I found multiple negative accounts and hard inquiries on my credit reports that are being reported inaccurately and without the required documentation. Several charge-offs from XXXX XXXX, XXXX XXXX, and XXXX XXXX  display years of derogatory coding, missing data fields, and inconsistent delinquency timelines. None of these furnishers provided the original contracts, billing statements, charge-off calculations, or verified dates of first delinquency. In addition, a large number of credit inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , and XXXX XXXX XXXX XXXX were reported without any proof of consumer authorization or permissible purpose under the Fair Credit Reporting Act. I disputed these items with the credit bureaus and furnishers, but the bureaus marked them as verified even though no supporting documentation was provided. These unvalidated and inconsistent entries have lowered my credit score, misrepresented my creditworthiness, and made it more difficult to obtain fair credit opportunities.

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 2025-12-04 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: TX

Complaint narrative:
Upon scrutinizing my credit report, I am troubled to find a late payment notation, despite having no instances of late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
I was on the phone getting passed back and forth from Venmo to Synchrony Bank for hours on XX/XX/year>. I went to close my Venmo account and received a pop up saying " You have a Venmo Credit Card application in progress. Before closing your account, you need to contact Synchrony Bank and cancel it. '' I contacted Synchrony Bank and was told that they have no record of this application. I asked them to call Venmo to tell them this since Venmo 's system says there is an open application. Synchrony was on hold with Venmo for so long that they put me in a queue to receive a call back from Venmo.

Synchrony told me that once I got Venmo on the line that Venmo could call Synchrony back with me, and that Venmo had the phone number and extension to reach Synchrony. When Venmo called me back I asked them to call Synchrony, as instructed by Synchrony. Venmo customer service refused to do this, saying that they don't have the number to call Synchrony and that I would need to call Synchrony on my own. I asked to speak to a Venmo supervisor. The supervisor said she would help, but instead dumped me back in the Synchrony main customer service line. Synchrony once again told me to contact Venmo because they don't have a record of my application.

At this point I believe that Venmo fraudulently took my information to open a credit account at Synchrony, but did not actually transmit the information to open the account. Venmo 's refusal to assist me is suspicious, and I'm concerned that my personal and credit information was used by Venmo for something other than a credit application. I can't get Venmo on the phone to discuss this with them, and they do not have an email or other way to submit this written complaint.

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 2025-12-04 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: MI

Complaint narrative:
I am writing to formally dispute the following items on my credit report. These accounts are inaccurately reported and require immediate investigation and correction in accordance with the Fair Credit Reporting Act ( FCRA ). The information provided below is separated by each credit bureau. 
I am disputing the following accounts listed on my TransUnion credit report. These accounts are inaccurately reported, and I request that they be investigated and corrected immediately. 

Charged Off Accounts XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$690.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$690.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$750.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} US DEPT ED Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$610.00} Inquiries XXXX  Date : XX/XX/XXXX Late Payments XXXX  XXXX Account Number : XXXX XXXX  Account Number : 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 2025-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
XX/XX/year> Chase notified me that they were closing my business checking account and said they could not tell me why ( It is against their policies and procedures ). I was told that my remaining balance would be sent by money order 10 business days after the account was closed. 

I received the funds at the beginning of XXXX but it was less the amount of a check deposited on XX/XX/year>. I called to ask about it and they said they cant verify the maker of the check and cant give me the money. I have tried to submit paperwork showing that the maker of the check is valid. I asked them to cancel the check and give the funds back to the makers account, but they will not. They have cleared the check- the funds have left the makers account- and they are holding the money and wont release it. They said they need to verify by phone number but there is no phone number for the business that wrote me the check- they do no business via phone. 

When I asked what will happen if they cant verify the check maker, they stated that they will hold it for 3 years and then give it to the US Treasury. So, they are satisfied enough with the validity of the check to have taken the money from the makers account, but they will not work with me to release the funds to me. They wont talk to the makers bank, they wont accept paperwork showing the makers ownership of the business, they will not work with the Secretary of State to verify the legitimacy of the business. They will only accept a phone number which is outdated and not possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-12-04 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-12-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

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 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 2025-12-04 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: TX

Complaint narrative:
I am seeking the immediate removal of these fraudulent accounts from my credit report, as I did not authorize or recognize them. Under USC 1681g, I request their deletion within 15 days. Relevant supporting documentation is enclosed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: LA

Complaint narrative:
I am filing this complaint because multiple furnishers and credit bureaus are reporting unverified and incorrect information that is harming my credit. I am requesting immediate enforcement, reinvestigation, and deletion of all inaccurate items. 

XXXX XXXX Account : XXXXXXXX XXXX XXXX XXXX High Balance : {$550.00} Opened : XX/XX/XXXX Status : Charge Off I have no knowledge of this account. No verification, contract, or proof has ever been provided. This is an unverified charge-off being reported without any evidence and must be deleted immediately. 
Laws Violated : FCRA 602, 603, 604, 606, 609, 611, 613, 623 ; FDCPA 807, 808, 809 XXXX XXXXXXXX XXXX Account : XXXXXXXX XXXX XXXX High Balance : {$0.00} Opened : XX/XX/XXXX Status : Late Payment The late payment reporting is inaccurate because I have never been late. No proof or records have been provided. This incorrect reporting must be corrected and all late payment history removed. 
Laws Violated : FCRA 602, 603, 604, 606, 607, 609, 611, 613, 623 XXXXXXXX XXXX Account : XXXXXXXX XXXX XXXX XXXX  High Balance : {$410.00} Opened : XX/XX/XXXX Status : Collection I do not recognize this debt and have never received validation. This collection is unverified and must be deleted immediately. 
Laws Violated : FCRA 602, 603, 604, 606, 609, 611, 613, 623 ; FDCPA 807, 808, 809 I request full enforcement and deletion of all unverified and inaccurate accounts.

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 2025-12-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: Block, Inc.
State: TX

Complaint narrative:
I have tried to deal with CashApp support in various means, and they refuse to actually do any of their jobs. Their new CashApp XXXX XXXX  is flawed and is making it difficult to access the benefits that I had already earned and it keeps restricting me despite it saying I qualify. And now I cant even borrow on my CashApp despite it showing that I have paid off all of my balances, and it keeps looping and never letting my access any of my benefits. Ive tried 4 separate times to get a manager or a specialist and nobody has reached out to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: TX

Complaint narrative:
The status does not match documented account activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: OH

Complaint narrative:
A loan consolidation that I did not authorize or consent to. I was never contacted by the company regarding this transaction, and I only became aware of it after it appeared as a delinquent account, reported as 90 days past due. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I am requesting that this item be investigated and removed from my credit report. The information is inaccurate and unauthorized, and therefore should not be reported.

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 2025-12-04 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: Servicer under contract with Federal Student Aid
State: OH

Complaint narrative:
A loan consolidation that I did not authorize or consent to. I was never contacted by the company regarding this transaction, and I only became aware of it after it appeared as a delinquent account, reported as 90 days past due. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I am requesting that this item be investigated and removed from my credit report. The information is inaccurate and unauthorized, and therefore should not be reported.

Company response to consumer: Untimely response