vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-02 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:
" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. ( NAME OF THE COMPANY ) This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency ( NAME OF THE COMPANY ) name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

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 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
received a pre-approval offer through my XXXX portal that claimed there would be " NO impact to credit score. With XXXX XXXX cash back '' offer. 

I thought it was from XXXX whom I currently have XXXX other products with and is quite pleased I know I have a flawless history with them so I gave it a try. 

However, I became uncomfortable with the application and pulled out I did not complete the application after being asked to authorize third-party access " XXXX XXXX' to grant unlimited access, into my Bank. Which I have been with for XXXX XXXX. It was sounding like a scammer! 

I find the process to be very confusing and orchestrated to put the consumer at a disadvantage. 

I never received any confirmation or denial. Later, I discovered a hard inquiry from Synchrony Bank on my credit report. Which I check quite frequently. 

They initially couldn't find my application, then claimed it was denied without ever notifying me. Nor did I complete the application. I did not knowingly authorize a hard pull, and this feels like deceptive and improper use of my credit report. 

Customer service was not assuring or empathetic, in fact they came across uncaring and XXXX  of the XXXX  I spoke to said IF they feel like removing it they will. If not they won't. I ask why such an attitude. Very rude staff. Except for the first guy I spoke to. He said he couldn't find me in their system. It was a nightmare dealing this whole thing with Synchrony who deceived me. 

I am requesting it removed and my score reinstated to XXXX it was prior to the violation or I will continue to seek more assistance from state attorneys office and the XXXX and the FTC.. It was unauthorized

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 2025-07-02 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: TX

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! 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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-02 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: NC

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

1681c-2 ) that you, the Experian Credit Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ACCOUNTS : XXXX XXXX XXXX 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 XXXXXX/XX/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 2025-07-02 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: EQUIFAX, INC.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States 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 a 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 seven years.

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: KEYCORP
State: NY

Complaint narrative:
On XXXX a tax warrant for the amount of {$3600.00} was issued against me. On XX/XX/year> I sold my home and the real estate lawers withheld this same amount from the proceeds of my sale On XXXX - XXXX XXXX XXXX  also took the same amount from both my checking and savings and I contacted them to let them know the tax warrant was satisfied 2 months ago and they refunded my money However, on XXXX KEY BANK took XXXX from my checking account and they have since refused to refund it. They continue to give me a XXXX phone number to contact in XXXX. That number does nothing if you do not owe them money. Therefore it is useless too me. I was previusly told that Key bank received XXXX  Fax, Email and a phone call to release the funds from the State department that had the warrant and they still refuse to refund my money. 

On monday XXXX I spoke to XXXX at Key Bank who said the funds would be refunded in 2 business days. It has been the 4th time i was told this non sense and I still have no refund. They will not listen to me when I state I have a document from the State that says they need to release the hold and refund my money because the warrant was satisifed. 

To further validate this : The warrant was satisfied PRIOR to them taking this XXXX from me. My home sale satisfied the warrant. Key bank says the state took this money and if that was true they would have no bill to apply it to because the warrant was gone. Now, when the warrant was found to be inaccurate - the lawers then refunded my {$3600.00} - which if the warrant was at a XXXX balance, key bank says they took my money then it would leave a new balance to be refunded to me {$270.00} more than the original debt because of key bank taking this money. 

In short- the warrant was settled, they have no record of receiving funds from Key bank and Key bank can not provide a receipt, legal paper trail showing the state received the funds with EVIDENCE but I can prove from the State that the warrant was released and they should have refunded me months ago but choose not too. 

Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: MA

Complaint narrative:
Unauthorized access to my credit report by several companies has damaged both my credit and score. Despite previous assurances from your agency that these inquiries would be removed, they remain unresolved. 
This inaction is unacceptable and raises serious concerns of potential identity theft. The ongoing presence of these entries is causing continued emotional and financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC
State: WA

Complaint narrative:
I received my XXXX XXXX XXXX dated XX/XX/XXXX, on XX/XX/XXXX. I don't know what kind of loan it is. I called Roundpoint today, XXXX, to ask about paying the shortage identified, so that my monthly payment will stay the same. My prior payment is {$2100.00}. I paid that yesterday. My shortage identified was {$360.00}. I paid that over the phone today, XXXX. The Insurance and Taxes increases are identified for the year and the XXXX half payments were made in XXXX of XXXX, so they know what the increases are. After paying the shortage, I was advised again that the shortage payment I made, was applied but my payment will still go up another {$15.00} or something. I think she said to {$2100.00}? I was clear that I wanted to pay the difference so my payment would NOT go up. It keeps creeping up with this process every year! I am told that they have no control over the cost of Insurance & Taxes. Since they know the amounts and I paid the difference, my payment should not be randomly increased every single year! I asked if I could pay the $ XXXX for XXXX months and was told, No. The only way offered for my payment to stay the same is to pay the Insurance and Taxes myself, which is burdensome. They should be able to offer to pay whatever is needed to keep the payment the same. Having the payment go up every single year over the life of the loan can be very costly and eventually, I may not be able to pay it. This is unfair to the consumer and does not make sense. They know the costs of the items for the year. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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 recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

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 2025-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
I have noticed fraudulent accounts pile on my credit report from identity theft and continuously lower my score from the damage. Please Help! My rights are being violated, as 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect the debt I am requesting you must cease all collection efforts and remove the damaging information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX - XXXX XXXX  - XXXX XXXX XXXX - XXXXXXXX XXXX XXXX - XXXX XXXX XXXX  XXXX - XXXX XXXXXXXX XXXX XXXX  XXXX XXXX - Incorrect Personal XXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal, has violated my rights. 

I looked at my credit bureau credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
and according to 15 USC 1681s-2 they are suppose to 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.C. 1681B ( 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. I kindly request that you block this information from my credit report within four business days

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Subject : Formal Dispute of Post-Closure Pay Status Change To Whom It May Concern : I am contacting you regarding a significant change made to the payment status of my previously closed credit card account. According to my TransUnion credit report, the account was : - Opened : XX/XX/XXXX - Closed : XX/XX/XXXX - Previous Pay Status : Late XXXX  Days - Current Pay Status as of XX/XX/XXXX : Collection/Chargeoff It is highly unusual and potentially inaccurate for a closed account to have a change in its payment status unless new activity or legal determination justifies the update. This post-closure status change may constitute a violation of the Fair Credit Reporting Act ( FCRA ) if it misrepresents the account 's history, unfairly impacts my creditworthiness, or lacks proper documentation. 
I formally request the following : - Written explanation of why the pay status was changed after account closure - Any and all documentation supporting this change - Immediate correction or removal of inaccurate or unverifiable information from all credit reporting agencies This is not an admission of liability but a good faith dispute under the FCRA. I request your response and resolution within the XXXX investigation period mandated by federal law. 

Sincerely 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 2025-07-02 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: CA

Complaint narrative:
Im reaching out because theres a serious issue on my credit report that needs to be fixed immediately. Theres an account listed under my name that doesnt belong to me it belongs to someone else. Somehow, my credit file has been mixed up with theirs, and this inaccurate information is unfairly dragging down my credit history. 

Let me be absolutely clear : this account is not mine, and I did not authorize it in any way. Its a mistake that has no place on my report, and I expect it to be removed without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: KY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ACCOUNTS : BANKRUPTCY - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$820.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$900.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 non-monetary relief
Consumer complaint received 2025-07-02 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: SC

Complaint narrative:
I received a quote for a bathroom remodel for {$670.00}. On XX/XX/year>, I paid {$300.00} for the contractor to start and complete the job on the scheduled date. The contractor failed to come on the scheduled and has been dodging my calls to reschedule. * * I AM NOT DISPUTING {$300.00} WAS PAID * * Cashapp has FAILED to return to me money paid to a business.

Company response to consumer: Closed with explanation