vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-10 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: NC

Complaint narrative:
Complainant : Name : XXXX XXXX XXXX XXXX of Birth : XX/XX/XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Reference # : XXXX Date of Report : XX/XX/XXXX Category Selected : Credit reporting Incorrect information on your report Company ( s ) Complained About : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Credit Bureaus Involved : TransUnion, XXXX, Equifax Complaint Details : I am filing this formal complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for continued inaccurate, incomplete, and unverifiable information being reported on my credit reports with TransUnion, XXXX, and Equifax. I have already submitted disputes, and the bureaus have failed to correct or fully investigate these accounts. 



XXXX  XXXX ( Multiple Accounts ) Multiple accounts are being reported as XXXX  days late and closed with derogatory remarks, even though I have contested the accuracy of the payment history, balance status, and closure dates.

This reporting violates 15 U.S. Code 1681s2 ( a ), which requires furnishers to provide complete and accurate information.

There is also concern regarding violations of grace period requirements under 15 U.S. Code 1666b, as fees and statuses were applied inconsistently. 



XXXX XXXX XXXX  XXXX a XXXX delinquency on a closed account ending in XXXX, though I had attempted resolution and dispute prior to charge-off. 
This account appears to have errors in payment history timeline and should be removed if it can not be verified within the legal standard. 



XXXX XXXX This lender is reporting a XXXX past due installment loan with account ending in XXXXXXXX XXXX XXXX XXXX XXXX, yet there is a mismatch between dates of delinquency and reported activity.

Under 15 U.S. Code 1681s2 ( b ) ( 1 ) ( C ), the furnisher must update or delete inaccurate or unverifiable informationthis was not done even after dispute.

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 2025-07-10 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: NC

Complaint narrative:
Complainant : Name : XXXX XXXX XXXX XXXX of Birth : XX/XX/XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Reference # : XXXX Date of Report : XX/XX/XXXX Category Selected : Credit reporting Incorrect information on your report Company ( s ) Complained About : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Credit Bureaus Involved : TransUnion, XXXX, Equifax Complaint Details : I am filing this formal complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for continued inaccurate, incomplete, and unverifiable information being reported on my credit reports with TransUnion, XXXX, and Equifax. I have already submitted disputes, and the bureaus have failed to correct or fully investigate these accounts. 



XXXX  XXXX ( Multiple Accounts ) Multiple accounts are being reported as XXXX  days late and closed with derogatory remarks, even though I have contested the accuracy of the payment history, balance status, and closure dates.

This reporting violates 15 U.S. Code 1681s2 ( a ), which requires furnishers to provide complete and accurate information.

There is also concern regarding violations of grace period requirements under 15 U.S. Code 1666b, as fees and statuses were applied inconsistently. 



XXXX XXXX XXXX  XXXX a XXXX delinquency on a closed account ending in XXXX, though I had attempted resolution and dispute prior to charge-off. 
This account appears to have errors in payment history timeline and should be removed if it can not be verified within the legal standard. 



XXXX XXXX This lender is reporting a XXXX past due installment loan with account ending in XXXXXXXX XXXX XXXX XXXX XXXX, yet there is a mismatch between dates of delinquency and reported activity.

Under 15 U.S. Code 1681s2 ( b ) ( 1 ) ( C ), the furnisher must update or delete inaccurate or unverifiable informationthis was not done even after dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank
State: NC

Complaint narrative:
I am writing to formally dispute the accuracy of the following account on my credit report, which I obtained on you obtained your credit report, XXXX 
Account Name : Account Number :, XXXX, Account Number : XXXX Type : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

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

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identit
y 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 : 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 XXXXXX/XX/XXXX, Balance : {$73.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$730.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$3100.00} XXXX 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, Balance : {$430.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$1900.00} XXXX 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, Balance : {$14000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$64.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$1300.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: IL

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : 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 r
eporting 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 7 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.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: MD

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-07-10 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: MD

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: DISCOVER BANK

Complaint narrative:
I am filing a complaint against Discover Card regarding a fraudulent account that appears on my credit report. I submitted a written request on XX/XX/year>, asking for an investigation and documentation related to the account, which I did not open or authorize. I followed up on XX/XX/year>, but have received no response or acknowledgment to date. This lack of response violates my rights under the Fair Credit Reporting Act ( FCRA ), and the unresolved account continues to negatively impact my credit. I am requesting immediate intervention to obtain a response from Discover and to have the account removed if confirmed as fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have previously disputed with XXXX, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was charged twice for a single purchase After multiple calls to capital one and 1-2 hour talking to multiple people who were hard to understand and requesting a supervisor I was told that no supervisor was available and that they can not resolve this problem

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: FL

Complaint narrative:
According to the FCRA 15 U.S.C. 1681i, TransUnion Credit Reprting Agency are required to investigate and delete any unverifiable or inaccurate item.

I previously contacted them furnisher, and requested full validation, including the original signed agreement, the chain of title, and a complete payment history. They failed to provide the legally required information.

Additionally : The account is beyond the statute of limitations for legal collection.

The debt is being reported without full validation or Metro 2 compliance.

Continued reporting of inaccurate or unverifiable data is a violation of the FCRA.

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 2025-07-10 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: MS

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

1681c-2 ) 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 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 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 XXXXXX/XX/XXXX, Balance : {$5400.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} 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 XXXXXX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$20000.00} INQUIRIES : 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 non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ASSOCIATED BANC-CORP
State: WI

Complaint narrative:
Associated bank illegally took {$540.00} out of my checking account with absolutely no notice of any kind - written, text, online message, phone, mail or email. I called and was told it was taken out to pay an old debt in a joint account from 2018. I told them the statute of limitations to collect this debt- if even owed by me- is up. It is now a time barred debt and they have no right to collect it from my account. I asked for information about the debt and was refused. They informed me this is their company practice and will not answer my questions or return my money. I informed them that this is my rent money and they did not care just said it won't be paid. I am on social security disability and receive government assistance for food and medical. I have no way of coming up with replacement rent money. I need immediate help so I don't lose my home

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: LA

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information 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 FL XXXX ACCOUNTS : XXXX XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$940.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$9200.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2600.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: GA

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

Company 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 2025-07-10 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: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
A charge in the amount of XXXX appeared on my Apple Card. I never authorized this charge. I have disputed this charge a total of 4 times. At the second dispute I requested documentation showing authorization to charge this card. It was never supplied. At the third dispute, I was told the merchant never submitted documentation. That customer service agent issued me a new card number and assured me that would resolve the issue. The charge has appeared again as a dispute reversal. I have sent a letter this time rather than calling customer service to dispute the charge. This will be the fourth time I've disputed this charge. They company has never given me any reason for reversing the dispute or shown any documentation supporting the charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Someone pretending to me requested a card replacement to Chase Bank on XX/XX/XXXX, and they withdrew money from the bank on XX/XX/XXXX. Altogether there are 10 transactions, resulting in my total loss of XXXX dollars. 

I came to the XXXX branch to report the money stolen case and an agent helped me file the case. He told me he would issue a new card replacement and I could get my money back in my account within 10 common days. 

However, it's almost 10 days past while I neither received my new card nor saw any credit back in my account. When I called XXXX, they told me they declined this because I could not provide any evidence that it's not me using my card. But this card replacement was clearly not done by me as they can see and they should shoulder the liability of the leakage of my information. They did not even check when someone requested a card replacement under my name. When I requested the information of the ATM 's camera where they took my money, they could not provide that. 

This is clearly breaching my consumer rights because as banks, they are obligated to secure our money of our account, but someone can just stole it so easily without my authorization. I want to file a complaint against this and get my money back.

Company response to consumer: Closed with explanation