vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-22 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation. 
Please remove these inaccurate accounts inquiries from all my consumer reports immediately.

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 2025-10-22 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: KY

Complaint narrative:
XX/XX/XXXX Noticed credit report has been pulled on from XXXX  XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I called XXXX XXXX @ XXXX * XXXX * XXXX * XXXX XXXX times on XX/XX/XXXX, associate XXXX answered, I explained situation and asked why XXXX XXXX pulled report. Supplied XXXX with name, date of birth, zip code XXXX XXXX address, social security number. XXXX XXXX stated there was no account with any of this information. She suggested I contact special person and gave me phone number XXXX * XXXX * XXXX * XXXX. I attempted to call this number XXXX times and person kept hanging up. NOBODY SHOULD BE REPORTING FOR MY CREDIT REPORT. I am XXXX elderly that has been a victim of elderly exploration, fraud and abuse in INDIANA. This is where crime took place because I was a resident in XXXX, XXXX and XXXX XXXX XXXX 
My daughter XXXX XXXX, who is my guardian, conservator and Power-in-fact, and who I have been in her care since XX/XX/XXXX, in XXXX  : on my XXXX has ongoing lawsuit in XXXX XXXX Indiana courts XXXX has XXXX not supplied justice. Family members XXXX XXXX and XXXX XXXX, XXXX XXXX has taken advantage of my XXXX and should NOT and DOES NOT have any authorization to my credit reports or any affairs on my behalf. My daughter XXXX XXXX has completed many steps to file complaints, contacted financial institutions and file a lawsuit. I have no credit cards in my name, yet business keeps pulling my credit reports for what? My daughter has filed a fraud alert on my behalf because someone is attempting to gain access to fraud again. The ONLY number that should have access is my daughter XXXX XXXX at ( XXXX * XXXX * XXXX ), Her old number needs to be changed that used to be ( XXXX * XXXX * XXXX ). 
I wished the FBI would support and investigate these elderly crimes more than not. How can I get these companies from pulling my credit report when I am not appling for any loans, credit, ect? and STOP persons ( XXXX and XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX access to my affairs when they already committed financial exploration, Elderly abuse and house stealing along with home title fraud. I am faced with XXXX, daily emotional and physical distress, and a financial hardship from being a victim of these parties. All I have left in life are daily scars and nightmare that will never mend. The laws need to change for elderly and people should be held accountable especially in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: KY

Complaint narrative:
XX/XX/XXXX Noticed credit report has been pulled on from Capital XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I called XXXX XXXX @ XXXX * XXXX * XXXX * XXXX XXXX times on XX/XX/XXXX, associate XXXX answered, I explained situation and asked why XXXX XXXX pulled report. Supplied XXXX with name, date of birth, zip code , street address, social security number. Associate Val stated there was no account with any of this information. She suggested I contact special person and gave me phone number XXXX * XXXX * XXXX * XXXX. I attempted to call this number 3 times and person kept hanging up. NOBODY SHOULD BE REPORTING FOR MY CREDIT REPORT. I am XXXX elderly that has been a victim of elderly exploration, fraud and abuse in INDIANA. This is where crime took place because I was a resident in XXXX, XXXX and XXXX XXXX XXXX 
My daughter XXXX XXXX, who is my guardian, conservator and Power-in-fact, and who I have been in her care since XX/XX/XXXX, in kentucky : on my behalf has ongoing lawsuit in XXXX XXXX Indiana courts that has still not supplied justice. Family members XXXX XXXX and XXXX XXXX, XXXX XXXX has taken advantage of my XXXX and should NOT and DOES NOT have any authorization to my credit reports or any affairs on my behalf. My daughter XXXX XXXX has completed many steps to file complaints, contacted financial institutions and file a lawsuit. I have no credit cards in my name, yet business keeps pulling my credit reports for what? My daughter has filed a fraud alert on my behalf because someone is attempting to gain access to fraud again. The ONLY number that should have access is my daughter XXXX XXXX at ( XXXX * XXXX * XXXX ), Her old number needs to be changed that used to be ( XXXX * XXXX * XXXX ). 
I wished the FBI would support and investigate these elderly crimes more than not. How can I get these companies from pulling my credit report when I am not appling for any loans, credit, ect? and STOP persons ( XXXX and XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX access to my affairs when they already committed financial exploration, Elderly abuse and house stealing along with home title fraud. I am faced with XXXX, daily emotional and physical distress, and a financial hardship from being a victim of these parties. All I have left in life are daily scars and nightmare that will never mend. The laws need to change for elderly and people should be held accountable especially in INDIANA.

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 2025-10-22 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 am writing to formally dispute multiple inaccuracies and reporting issues on my credit report. Despite my previous attempts to resolve these matters directly with the listed creditors, these errors continue to negatively impact my creditworthiness. 

The following items are incorrect or unverifiable on my credit report : Addresses : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Wrong Address XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Wrong Address Accounts with Inaccurate Reporting ( Late Payments/Charge Offs ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These items are either incorrect, unverifiable XXXX or reported in a misleading manner. I request that the CFPB investigate these accounts immediately and ensure the following actions are taken : Verify the accuracy of each account and address listed. 

Correct or delete all inaccurate, unverifiable, or misleading information from my credit report. 

Notify me in writing once corrections have been made. 

I am including supporting documentation to prove my identity and validate my disputes. Under the Fair Credit Reporting Act ( FCRA ), I have the right to have inaccurate information corrected or removed promptly. Failure to correct these errors continues to cause me financial harm and distress.

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 2025-10-22 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: NM

Complaint narrative:
On or around XXXX of XXXX, a PayPal Credit account was opened. This account is managed by Synchrony Bank. 

At the time this account was opened, I was a minor. As I was under the age of XXXX, I lacked the legal capacity to enter into a binding credit agreement. 

This account has an outstanding balance of approximately {$700.00} and is being reported negatively to the credit bureaus, causing significant damage to my credit history. 

I have already attempted to resolve this matter through the standard dispute process. 

I filed a dispute with the credit bureau XXXX on or around XX/XX/XXXX, providing documentation of my age. XXXX  rejected this dispute, stating the creditor had verified the information. 

I then sent a formal dispute letter directly to Synchrony Bank on or around XX/XX/XXXX, again explaining that the contract is voidable as I was a minor. 

On or around XX/XX/XXXX, I received a letter from Synchrony Bank. This letter stated only that they had " verified '' the account information and would continue to report it. The response completely failed to address the core legal issue of my status as a minor and the unenforceability of the contract. 

Synchrony Bank is reporting a debt that is not legally enforceable. Standard " verification '' of my personal details does not change the fact that a valid, binding contract was never formed. 

I request that Synchrony Bank acknowledge the voidable nature of this agreement, immediately cease all reporting of this account to all credit reporting agencies ( XXXX XXXX XXXX and XXXX ), and delete this tradeline from my credit history.

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 2025-10-22 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: NV

Complaint narrative:
In accordance with the fair credit reporting the list of accounts below has violated my federally protected consumer rights to privacy and confidentitality under 15 USC 1681 XXXXXXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX I looked at my experian and noticed some things are incomplete and not accurate. 
According to the FCRA 15 USC 1681E ( b ) whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy 15 USC 1681s-2 15 USC 1681i ( a ) ( 5 )

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 2025-10-22 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: AZ

Complaint narrative:
The listed entries remain unverified and appear inaccurate. Despite numerous efforts to have these discrepancies properly addressed, no substantial action has been taken. I have submitted all necessary documentation and followed up multiple times, yet the errors continue to appear. This ongoing inaction has resulted in financial difficulties and has negatively impacted my overall well-being. The mental and emotional strain caused by these unresolved issues has been considerable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, which includes the removal of any incorrect or unverified information. I strongly urge you to take prompt action to investigate and correct these items, as continued failure to do so may constitute a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Business Account Title : XXXX XXXX XXXX. 

Bank Name : BMO ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) My name is XXXX XXXX and above mentioned is my joint business account with my wife XXXX XXXX. I created online business banking ID/password using the Customer ID and account number post opening this business account. I was not informed about any charges associated with the online business banking application. I realize only when collections started calling me to collect overdraft amount. Apparently I was getting charged with random amount with the description " Acct ANALYSIS SERV CHG '' since XXXX. I learnt through BMO customer service agent XXXX XXXX that the $ XXXX monthly fee is associated with the online business banking app for creating id/password, ACH etc. 

I requested for an urgent cancellation of the online business banking service and reverse the {$70.00} charge on my account since XX/XX/year>. 

XXXX refunded {$350.00} on XXXX XX/XX/year>. But the same month I was charged with {$80.00} again with the same description. I never got refund for that. I received the confirmation email from the bank stating that online services have been cancelled and I will not be charged with any service fee going forward. 

Unfortunately, I am still being charges with this random " Acct ANALYSIS SERV CHG '' amount XXXX of each month since XX/XX/year>. 

This confirms that BMO staff have no idea as to what these charges are and they have been giving me the wrong information all this time. 

I have gone through a lot of stress since past XXXX months and my business activities have been impacted because of XXXX poor service. 

Very oddly, bank staff including the branch manager have been asking me to close this account. In my opinion, I am not the only customer BMO is charging the service charges. Its a system issue and there could be many customer like me impacted with this issue.

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 monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
An unverified bankruptcy was added to my consumer file recently. I am requesting this credit reporting agency provide documented verification from the original source of this record, or delete it immediately in accordance with the Fair Credit Reporting Act ( 1681i ). I need this matter investigated, and send me written confirmation of your findings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
I was approved for a line of credit with Care Credit in XXXX. This was used to obtain medical treatment for my son. I thought Id read the fine print but they snuck in a clause that said if the loan wasnt repaid in full within XXXX  months theyd tack on a high interest rate dating back to the beginning of the loan. I caught the XXXX increase right away, and I make all of my payments on time. I called them and XXXX informed me of this clause in my contractual obligation to Care Credit. They would only remove this if I paid {$3000.00} within a few days. I did not do this, I am a mother of XXXX and do not have this kind of money just sitting in my bank account. Fast forward a few weeks and another XXXX large interest charge was applied to my account. 

Ive been working so hard at improving my credit so our family can purchase a home, and spread out from our XXXX bedroom rental that is already more in rent that we can afford. That dream was starting to come to fruition before this happened and it has reduced my XXXX XXXX significantly, so now this is once again unobtainable for our family of XXXX. 

Its not right that these companies can get away with this. Paying off what I borrowed with some interest is manageable, but jacking it up by {$4000.00} is just plain wrong. 

Ive attached a record of my account activity as proof.

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 2025-10-22 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: AZ

Complaint narrative:
The reported entries are inaccurate and do not reflect my true payment history. I have made several attempts to have these discrepancies reviewed and corrected, but no substantial action has been taken. Even after submitting all required documentation and following up multiple times, the errors remain unresolved. This situation has created financial hardship and has significantly impacted my well-being. Addressing these inaccuracies has become a stressful and exhausting process. 
According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that truthfully represents my financial history, including the prompt correction of any outdated or incorrect information. I respectfully request immediate action to correct or remove these late payment entries. Failure to do so would constitute a violation of my rights under federal law. 
Thank you for your prompt attention to this matter. I expect a swift and appropriate resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Re : Formal Dispute of Inaccurate Reporting UPSTA/FINWSE | Account # XXXX * * * * Under the Fair Credit Reporting Act ( FCRA ) I am formally disputing the accuracy and completeness of the above-referenced account appearing on my credit file. The reporting contains multiple inconsistencies and unverifiable data in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). Because the information can not be verified as accurate and complete, I am requesting immediate deletion of this account from my credit file under 1681i ( a ) ( 5 ) ( A ).

Conflicting Date of Last Activity Possible Re-Aging TransUnion reports XX/XX/XXXX while Experian reports XX/XX/XXXX. A single account can not have XXXX different last activity dates. Changing this date extends the reporting period unlawfully, known as re-aging. 
FCRA Violations : 1681c ( a ) ( 4 ) Prohibits re-aging or inaccurate date reporting ; 1681e ( b ) Requires credit bureaus to assure maximum possible accuracy ; 1681i ( a ) ( 1 ) ( A ) Requires reinvestigation of disputed information.

Contradictory Ownership and Comments XXXX lists Charged off as bad debt/ Purchased by another lender. XXXX lists Unpaid balance reported as a loss/ Sold to XXXX XXXX XXXX. These are mutually exclusive statements. The debt can not be both purchased by another lender and sold to XXXX XXXX XXXX. Such inconsistencies make the account unverifiable. 
FCRA Violations : 1681e ( b ) Inaccurate or conflicting information ; 1681i ( a ) ( 2 ) ( B ) Requires correction or deletion of disputed information ; 1681i ( a ) ( 5 ) ( A ) Unverifiable information must be deleted. 

XXXX XXXX but Still Reported as Collection/Charge-Off Both reports show a {$0.00} balance but a Collection/Chargeoff status. A charge-off with a XXXX balance is contradictory and misleading to future lenders, implying an ongoing derogatory status where none exists. 
FCRA Violations : 1681e ( b ) Requires complete and accurate reporting ; 1681i ( a ) ( 5 ) ( A ) Mandates deletion of inaccurate or unverifiable data.

Inconsistent Payment History vs. Charge-Off Status TransUnion shows continuous CO notations, while Experian shows OK and XXXX lates even after the alleged charge-off. This conflicting history is internally inconsistent and misrepresents the accounts true status. 
FCRA Violations : 1681e ( b ) Accuracy obligation ; 1681i ( a ) ( 2 ) ( B ) Requires correction or deletion upon reinvestigation.

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 2025-10-22 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:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief