vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-06 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: FL

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-09-06 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 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: AL

Complaint narrative:
To : TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, XXXX  XXXX Subject : FCRA Reinvestigation Demand Inaccurate and Incomplete Reporting Dear TransUnion, This is a formal dispute under FCRA 611 ( 15 U.S.C. 1681i ). Please reinvestigate and correct/delete the following entries : Personal Information Errors Employer records : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX never my employers. Please delete. 
Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  incorrect. Retain current address XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX. 



Account Reporting Errors 1. XXXX XXXX ( Account opened XX/XX/XXXX, closed XX/XX/XXXX ) This account was paid and closed, yet TransUnion reports status as Payment after charge off/collection and shows no payment history. This is inconsistent with XXXX  reporting and does not accurately reflect its paid status. Please correct to show : Closed/ Paid with {$0.00} balance/ No collection activity. If you can not correct, please delete. 
XXXX. XXXX XXXX XXXX Accounts Misclassified under Employment. These must be corrected and properly coded as XXXX Loans under Metro 2 standards. 
XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX ( {$2100.00}, opened XX/XX/XXXX ) I do not recognize this debt. Please obtain validation. If unverifiable, delete. 
XXXX. XXXX Account Improperly classified as Advertising. Must be corrected under Metro 2 to appropriate tradeline type. 



Unauthorized Inquiries Under FCRA 604 ( 15 U.S.C. 1681b ), a consumer reporting agency may only furnish reports with a permissible purpose. The following inquiries lack such purpose : XXXX XXXX XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) excessive duplicate pulls, not authorized. Please remove duplicates. 
XXXX XXXX XX/XX/XXXX ) Unauthorized. Please delete. 
XXXX ( XX/XX/XXXX ) Unauthorized. Please delete.

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 2025-09-06 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: Helvey & Associates, Inc., Warsaw, IN Branch
State: NC

Complaint narrative:
b'To whom this may concern please remove \n\nPlease remove following accounts \XXXX XXXX XXXX XXXX\nBalanceXXXX\n\XXXX XXXX XXXX\nBalance\XXXX\n\XXXX XXXX XXXX XXXX\n\XXXX XXXXnClosed\nBalance\XXXX\n Also please remove hard inquires \XXXX XXXX inquired on XXXX\XXXX XXXX XXXX  inquired on XXXX\XXXX XXXX inquired on XXXXXXXX XXXXXXXX XXXX inquired on XXXXXXXX XXXX inquired on XXXXXXXX XXXX XXXX XXXX via dealer inquired on XXXX\XXXX XXXX inquired on XXXXXXXX XXXX XXXX inquired on XXXXXXXX XXXX XXXX XXXX inquired on XXXX XXXX XXXX inquired on XXXX XXXX XXXX inquired on XXXX XXXX XXXX XXXX  inquired on XXXX XXXX inquired on XXXX XXXX XXXX inquired on XXXX XXXX inquired on XXXX XXXX XXXX inquired on XXXX XXXX inquired oXXXX XXXX XXXX XXXX inquired on XXXX XXXX  inquired on XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: CO

Complaint narrative:
Dispute sent to TransUnion at XXXX XXXX  and was returned completed at XXXX XXXX. No resolution, just a canned response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 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: NY

Complaint narrative:
My account with XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and 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 reported in to be removed.

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.

XXXX  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!

Delete 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 2025-09-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and 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 reported to be removed/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. 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!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
i am submitting this complaint because my indentity was stolen and an unauthorized utility account and was opened in my name without my consent i did not apply for open or authorize this account. i first became aware of the fraudulent account on XXXX XXXX when i pulled my credit report this account was opened with XXXX XXXX this fraudulent activity has caused harm to my credit report and had placed me under undue stress i have already taken the following steps to protect myself .reported the identity theft to FTC identitytheft.gov

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I was affected by the 2017 XXXX  data breach. I have attached an Identify theft report with the unknown accounts. Proof of breach will be uploaded. 

XXXXXXXX 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 2025-09-05 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: Block, Inc.
State: NY

Complaint narrative:
I used the cashapp debit card for XXXX hotel stays. The bills were settled with each hotel. They are holding a large amount which the hotel already released. I sent all the documentation needed. Final bills from the hotel. Cashapp support says it will take 30 days to settle this charge. This is unfair to the consumer. Please help me in getting this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I am writing to formally dispute certain actions taken by Synchrony Bank with respect to my account referenced above. Specifically, I am disputing the alleged debt balance, and I am also demanding that Synchrony Bank immediately cease and desist from all unauthorized telephone contact. 

Previously, I notified Synchrony Bank that I did not consent to telephone communications and requested that my number be placed on your Do Not Call list. Despite this, Synchrony Bank has continued to place repeated calls to me regarding the disputed account. These repeated calls are not only harassing but also constitute a violation of my explicit request and may be in violation of the Telephone Consumer Protection Act ( TCPA ), the Fair Debt Collection Practices Act ( FDCPA ), and other applicable consumer protection laws. 

Furthermore, I am actively disputing the validity of the alleged debt. While this dispute remains unresolved, Synchrony Banks repeated attempts to contact me by telephone after being instructed otherwise are wholly inappropriate and unlawful. 

Accordingly, I am requesting the following : That Synchrony Bank immediately cease all telephone communication with me regarding this account. 

That all further communications be conducted in writing only to the mailing address listed above. 

That Synchrony Bank provide a full written explanation of the alleged debt, including itemized records, validation, and supporting documentation. 

Please be advised that failure to comply with this request will leave me with no choice but to escalate this matter by filing complaints with the Federal Communications Commission ( FCC ), and my states Attorney Generals office. I will also consider pursuing further legal remedies for harassment and statutory violations. 

This letter is being sent in good faith in order to resolve this matter and protect my rights under federal and state law. 

I expect written confirmation within 30 days of receipt of this letter.

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 2025-09-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TransUnion Consumer XXXX XXXX XXXX XXXX XXXX, IL. XXXX Subject : Immediately Remove All Late Payments To Whom It May Concern, In accordance with the Fair Credit Reporting Act this creditor XXXX  # XXXX, has violated my rights under 15u.s.c 1581 section 602 states that I have the right to privacy. 15 u.s.c 1681 section 604 ( a ) section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. 15 u.s.c 1681b ( 2 ) and pursuant to 15 u.s.c 1666b. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

I demand my late payments be updated to paid on time according to the U.S. laws stated above Thanking You In Advance 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 2025-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Credit Karma, LLC
State: IN

Complaint narrative:
I am filing a complaint against Credit Karma Money ( XXXX XXXX  ) regarding their refusal to properly handle my chargeback request. 

I purchased a digital course from XXXX University in XX/XX/XXXX using XXXX XXXX Monthly plan. In XX/XX/XXXX, the merchant shut down the course platform, removing all access to what I paid for. I attempted to contact the merchant on XX/XX/XXXX and XX/XX/XXXX, with no response. 

I filed a CFPB complaint against XXXX ( Case ID : XXXX ). On XX/XX/XXXX, XXXX responded through the CFPB confirming that they could not process a refund due to their 120-day limit. However, they explicitly instructed me to contact my financial institutions to initiate chargebacks, and they confirmed in writing that they had instructed their internal team not to challenge or oppose these chargebacks. 

I submitted a dispute with Credit Karma ( Dispute ID : XXXX ) on XX/XX/XXXX, for {$420.00} in XXXX charges. Despite raising this issue back in XXXX, Credit Karma did not provide their final determination until XX/XX/XXXX. Their letter simply denied my claim citing a 90-day policy. When I requested reconsideration, they refused to reopen the case, telling me to settle with the merchant, who remains unresponsive. 

I do not believe Credit Karma conducted a fair or thorough investigation. They ignored XXXX written authorization for chargebacks, the timing of the merchant removing access to the service, and the fact that the merchant can not be reached. Their delay from XXXX to XXXX only underscores that they failed to treat my case with proper urgency or review. 

I am requesting that the CFPB require Credit KarmaXXXX XXXX  to reopen this case and process the chargeback in accordance with XXXX instructions and federal consumer protection standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: Security Credit Services, LLC
State: AL

Complaint narrative:
Account information does not belong to me I have no knowledge. 
fraud missed and incorrect information. 
I demand it be removed immediately Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

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 explanation
Consumer complaint received 2025-09-06 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 extremely frustrated to see that inaccurate accounts have appeared on my credit report this morning, and I have no idea why. I checked it as I normally do, but this time there were discrepancies that came out of nowhere. I even refreshed my browser thinking it might be a glitch, but it wasnt. Since the accounts were not removed, I need the documents I submitted to be reviewed carefully so this issue can be resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: NJ

Complaint narrative:
Kindly comply with USC 1681g by removing these entries within 15 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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:
This account is being reported in my name without my authorization or knowledge. I did not open, apply for, or manage this account, and I have no relationship with the reported creditor. Its presence on my credit report is inaccurate, misleading, and is causing measurable harm to my creditworthiness and personal wellbeing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief