vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-11 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: AL

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, XXXX Social Security XXXX, Consumer Date of XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Equifax, Experian 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. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-06-11 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: TX

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes. 
Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: AZ

Complaint narrative:
My customer paid there over due invoces all at once they asked to use a credit card so I used the Square processing company who I am established with and have been taking payents regularly from with no inncodent not 1 custimer paid back invoice then upcoming invoice depsits square with no notification or reason has decided to hold all the amounts because deposits where a litlle higher then usual I get maybe holding some but all thays theft they took the money cleared in there account credit card fraud verfication had to be preformed before sale would complete theu have no real reason to hold this has caused me to potentially lose this clieant as I can not get the supplies they paid for to have the service done costing me {$250000.00} in business has left me basically stranded and couldnt give me a real reason for holding all funds from that day they are golding money thats not theres thays called theft and making money/intrest on the funds in the meantime tjere should be a law agaist this and from reading other complaints looks like im not the only one I still have no notifications as to why they are holding funds on my app email or a call most likely, because they don't want a paper trail

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: GA

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: LCI Acquisition Inc.
State: GA

Complaint narrative:
XXXX. What happened? 
I submitted multiple disputes to LCI XXXX XXXX XXXX XXXX XXXX  regarding inaccurate and fraudulent information on my credit report. I also provided supporting documentation, including an FTC identity theft report, police report, and proof of identity and address. Despite my request for a manual reinvestigation and a formal Method of Verification ( MOV ), the credit bureau failed to conduct a proper investigation. I also requested the removal of outdated personal information and fraudulent accounts stemming from identity theft and data breaches, but they failed to comply.

Furthermore, I filed identity theft reports and submitted them in accordance with FCRA 605B, which requires blocking of fraudulent data within 4 business days. These fraudulent accounts are still being reported, and I have not received adequate responses or verification. This agency appears to have relied on automated systems ( such as XXXX  ) without properly reviewing the documentation I submitted.

I continue to receive alerts regarding unauthorized changes of address and dark web exposures of my personal data, which further supports the urgency of my case.

2. What do you believe is the issue?

Credit reporting company failed to investigate a dispute Continued reporting of information that was not verified Failure to block fraudulent information after identity theft report Failure to update personal information ( address, name, etc. ) Did not provide requested Method of Verification Did not respond in a timely or complete manner

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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:
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. 



List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-06-11 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I am submitting this complaint to report a pattern of adverse credit actions taken by Synchrony Bank that have materially and negatively affected my credit profile despite a perfect history of timely payments and responsible account management. 

I am a federal employee, and like many others, I am already under significant stress due to uncertainty in my job status and the rising cost of living. As prices for everyday essentials have increased, many consumers, myself included, have had to rely more on available credit to help manage expenses not because of financial irresponsibility, but due to economic necessity. 

Despite this, Synchrony Bank has unilaterally closed or significantly reduced the credit limits on multiple accounts that were in good standing, including : Closed : XXXX, XXXX, XXXX, and XXXX cards totaling over {$14000.00} in lost available credit. 

Reduced : XXXX, XXXX XXXX, T.J.Maxx, and XXXX removing nearly {$6000.00} in available credit. 

These decisions were made without any notice, meaningful explanation, or opportunity for me to respond and they occurred despite a perfect or near-perfect payment history across all Synchrony accounts. I have not defaulted, and Ive only ever missed a payment once or twice in my entire time with Synchrony never resulting in delinquency or collections. Every account has been paid on time and managed responsibly. 
Now, as a result of these sweeping and arbitrary actions : My credit utilization ratio has skyrocketed, damaging my credit score.

My credit report now inaccurately reflects risk, due to too many accounts with balances, which only o
ccurred after Synchronys reductions.

I am facing higher interest rates on other loans and credit products, at a time when every dollar counts. 

The emotional and financial strain of this situation has become overwhelming, particularly given my public service position and economic pressures outside of my control. 

Furthermore, this issue appears to go well beyond my individual experience. Many other consumers have recently reported similar complaints alleging that Synchrony Bank has unjustifiably closed accounts or drastically reduced credit limits, resulting in damage to otherwise healthy credit profiles. This suggests a broader systemic practice that is harming responsible borrowers on a large scale.

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 2025-06-11 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 recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: VI

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-06-11 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: VI

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-06-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized. 
Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft.

Additional Legal Support : Cases such as Pintos v. Pacific Creditors Association ( 2010 ) and Dennis v. BEH-1, LLC ( 2002 ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.

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 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am filing this complaint because there are inaccurate, incomplete, or unverifiable accounts listed on my credit report that are damaging my credit profile. I previously disputed these items with the credit bureaus and/or furnishers, but they were either verified without proper investigation or not corrected as required by the Fair Credit Reporting Act ( FCRA ).

Specifically, these accounts do not meet the standards of accuracy or verifiability outlined under FCRA Sections 609 and 611. I requested validation or documentation to prove the legitimacy of these accounts, but either received none or received generic responses without sufficient proof.

I am requesting that the Consumer Financial Protection Bureau open an investigation into the credit bureaus and/or furnishers for failing to : Conduct a reasonable investigation of my disputes, Provide adequate documentation verifying the accounts, and Remove unverifiable or inaccurate items from my file as required by law.

Until proper verification is provided, I am requesting the deletion of these disputed items from my credit reports.

Please assist in ensuring that my rights as a consumer under the FCRA are upheld and that the credit reporting agencies and furnishers are held accountable.

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: TN

Complaint narrative:
I am filing this complaint because there are inaccurate, incomplete, or unverifiable accounts listed on my credit report that are damaging my credit profile. I previously disputed these items with the credit bureaus and/or furnishers, but they were either verified without proper investigation or not corrected as required by the Fair Credit Reporting Act ( FCRA ).

Specifically, these accounts do not meet the standards of accuracy or verifiability outlined under FCRA Sections 609 and 611. I requested validation or documentation to prove the legitimacy of these accounts, but either received none or received generic responses without sufficient proof.

I am requesting that the Consumer Financial Protection Bureau open an investigation into the credit bureaus and/or furnishers for failing to : Conduct a reasonable investigation of my disputes, Provide adequate documentation verifying the accounts, and Remove unverifiable or inaccurate items from my file as required by law.

Until proper verification is provided, I am requesting the deletion of these disputed items from my credit reports.

Please assist in ensuring that my rights as a consumer under the FCRA are upheld and that the credit reporting agencies and furnishers are held accountable.

Thank you.

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 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I received a call from XXXX XXXX XXXX to lecture me yesterday and ask about my calling the CFPB on a claim of wrong doing on the part of XXXX XXXX. She tried very hard to admonish me for making the complaint and asked whether I had all of my statements. 

I told her I paid the XXXX Loan in full and I worked very hard to paint, patch, repair and market the home so I could sell it which took 10 months of very hard work and open houses every single weekend when I needed to be focused on my business more. 

She made a difficult time way worse by telling me that XXXX had the right to leave the foreclosure on my report thought they were PAID in full by me and they state in their letter to me that XXXX months of payments were missed. I told her that they did not have the right to ruin life after 2 months and that IL gives 120 days before these threats and extortion. 

My spouse took all liquid assets and I tried very hard to make up for all he did to me financially and emotionally. He took an IRA out of my name, he arranged for his court ordered charge off to go on my report. XXXX XXXX was simply harassing me because she was probably told to. None of that call was necessary and XXXX keeping a foreclosure on my report when they were PAID IN FULL for the taxpayer money that was never theirs was just vindictive and pure evil. There are numerous wrong doings by XXXX all over the news and the CEO had $ XXXX reasons to get his company in order and stop harming loyal customers like me unnecessarily.

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 2025-06-11 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: VA

Complaint narrative:
Equifax marked my dispute as completed but failed to notify me of the results within the required 30-day timeframe, as outlined in the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 6 ). This is a clear violation of federal law. Because of this, I am unable to verify the outcome of the investigation or take further action to correct inaccurate information that continues to lower my credit score. These illegal actions are directly harming my ability to secure financing and are preventing me from purchasing a home. Equifaxs failure to respond has left me in the dark and financially disadvantaged.

Company response to consumer: Closed with non-monetary relief