vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-05 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: TX

Complaint narrative:
This is now my XXXX disputea number that is absurd and unacceptable. The failure of the data furnisher and CRAs to comply with the FCRA, Metro 2 guidelines, and Consumer Law is now systemic and malicious. The account continues to report false, inconsistent, and outdated information, which is a violation of FCRA 623 ( a ) ( 1 ) ( A ) and Metro 2 reporting codes.

They are knowingly furnishing data that is not verified, not accurate, and not correctthis is now intentional misconduct, subject to penalties under FCRA 616 for willful noncompliance. The CRAs are complicit by continuing to report this information without independent validation.

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 2025-11-05 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: FL

Complaint narrative:
I have formally disputed several inaccurate and unverifiable items under FCRA 602, 607 ( b ), 611, 623 and Metro 2 compliance requirements. 

TransUnion continues to report an unverified XXXX XXXX XXXX  ( {$320.00} ), inflated XXXX XXXX balances, and multiple unauthorized hard inquiries ( XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX ). These inquiries were not tied to any open or approved accounts. 

Experian retains obsolete addresses and outdated employment data, and shows the same inquiries despite no permissible purpose. 

Equifax reports an inaccurate child-support account ( Closed and Placed for Collection ), a duplicate XXXX XXXX XXXX inflated revolving balances, and the same unauthorized inquiries. 

Each bureau is in violation of FCRA 607 ( b ) ( failure to assure maximum accuracy ) and 623 ( a ) ( 1 ) ( A ) ( furnishing inaccurate information ).

I request CFPB intervention to compel deletion or correction of all unverified accounts, inquiries, and obsolete data, and to ensure compliance with Metro 2 reporting standards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have formally disputed several inaccurate and unverifiable items under FCRA 602, 607 ( b ), 611, 623 and Metro 2 compliance requirements. 

TransUnion continues to report an unverified XXXX XXXX XXXX  ( {$320.00} ), inflated XXXX XXXX balances, and multiple unauthorized hard inquiries ( XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX ). These inquiries were not tied to any open or approved accounts. 

Experian retains obsolete addresses and outdated employment data, and shows the same inquiries despite no permissible purpose. 

Equifax reports an inaccurate child-support account ( Closed and Placed for Collection ), a duplicate XXXX XXXX XXXX inflated revolving balances, and the same unauthorized inquiries. 

Each bureau is in violation of FCRA 607 ( b ) ( failure to assure maximum accuracy ) and 623 ( a ) ( 1 ) ( A ) ( furnishing inaccurate information ).

I request CFPB intervention to compel deletion or correction of all unverified accounts, inquiries, and obsolete data, and to ensure compliance with Metro 2 reporting standards.

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 2025-11-05 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:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: SC

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX XXXXXXXX INQUIRIES : XXXX - XX/XX/year>XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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:
Having reviewed my credit report, I detected inaccurate accounts that did not arise from any error on my part.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND XXXX  HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX EXP XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX EQ 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 any 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 of 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 explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
I have a timeshare ownership contract with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). Despite multiple documented attempts to resolve the matter, including contacting the XXXX  Solutions Department and XXXX XXXX, XXXX  Solutions Team Specialist, by phone and email, I have not received any response or resolution. 

I sent a certified cancellation letter on XX/XX/year>, which XXXX has not acknowledged. Additionally, XXXX opened XXXX separate credit accounts for the same transaction without authorization, creating financial and credit concerns. 

I have also filed a formal complaint with the XXXX  Real Estate Division regarding XXXX ongoing billing practices, lack of communication, and failure to honor my cancellation request. 

I am requesting CFPB intervention to : XXXX. Stop ongoing charges until the matter is resolved, XXXX. Provide written guidance on how to exit or resolve the contract, and XXXX. Correct any negative credit reporting related to the duplicate accounts. 

Including the certified cancellation letter shows that : You followed formal procedures, not just casual attempts. 
XXXX has ignored a legally verifiable notice, which strengthens your case for regulatory action.

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 2025-11-05 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: FL

Complaint narrative:
I am requesting a review of the following items on my credit report. Please verify the accuracy of these accounts and remove any that can not be properly verified. 

CHARGED OFF XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} INQUIRIES XXXX XXXX XXXX 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 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 2025-11-05 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: MS

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
SYNCB XXXX Synchrony XXXX XXXX. XXXX XXXX, XXXX, FL XXXX -- - CFPB COMPLAINT SUMMARY -- - * * Creditor : * * SYNCB / CareCredit * * Account : * * XXXX * * Reported Balance : * * {$3700.00} Summary for CFPB Complaint Portal : This creditor is reporting an inaccurate and unverified charge-off account. A formal dispute and validation request were submitted under 15 U.S.C. 1681i and 1692g, but the furnisher failed to provide supporting documentation or verification. This tradeline must be deleted under the FCRA. I request the CFPB compel correction or deletion Legal Notice and Demand for Deletion of Inaccurate Charge-Offs under FCRA and FDCPA This is a direct dispute under the FCRA 623 ( a ) & ( b ) and Regulation V, 12 C.F.R. 1022.4243. You are furnishing inaccurate and misleading charge-off data that I do not recognize. I demand full validation and deletion if unverified. 

The account reported as follows : SYNCB / Synchrony XXXX Acct XXXX. XXXX | Balance {$9300.00} Please provide full documentation, including original signed agreements, account ledgers, and charge-off accounting. If you can not verify this debt with competent evidence, you must cease reporting and request deletion from all credit bureaus.

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 2025-11-05 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: AL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-11-05 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: MS

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2025-11-05 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: AR

Complaint narrative:
I request the immediate removal of this late payment from my account, as it is not correct and does not show my true payment history. I have always made my payments on time, and this mistake should not be there. This was paid as agreed and should not be showing negatively on my report. Please update my account as soon as possible.

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 2025-11-05 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: Nelnet, Inc.
State: TX

Complaint narrative:
I am filing a formal XXXX XXXX factual dispute against Nelnet for multiple student loan accounts being inaccurately and unlawfully reported as XXXX late with no prior XXXX or XXXX notice of delinquency, no billing statements, and no written communication regarding removal from deferment or forbearance status. These accounts were previously in deferment during the national forbearance period, and no verification of billing or payment demand was ever provided prior to the sudden XXXX late reporting. 
I contacted Nelnet directly, and they could not provide any documented notice or billing records showing when my account supposedly became past due. This reporting violates the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ) and XXXX XXXX data-furnishing guidelines ( Sections 4.2.3 & 4.3.1 ) requiring accuracy and completeness of payment history. It also constitutes negligent and willful reporting of false data, causing over a XXXX drop in my credit score and severe financial harm. 
Disputes were first submitted XX/XX/XXXX and remain unresolved with XXXX correspondence from Nelnet, XXXX, XXXX, or XXXX. All accounts below remain in-dispute status with no response, no validation, and continued publication of false derogatory information. 
In-Dispute Accounts ( XXXX XXXX NELNET ) XXXX {>= $1,000,000} {>= $1,000,000} {>= $1,000,000} {>= $1,000,000} {>= $1,000,000} {>= $1,000,000} {>= $1,000,000} {>= $1,000,000} {>= $1,000,000} {>= $1,000,000} {>= $1,000,000} {>= $1,000,000} {>= $1,000,000} {>= $1,000,000} {>= $1,000,000} {>= $1,000,000} {>= $1,000,000} {>= $1,000,000} {$4000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: TX

Complaint narrative:
This is now my XXXX disputea number that is absurd and unacceptable. The failure of the data furnisher and CRAs to comply with the FCRA, Metro 2 guidelines, and Consumer Law is now systemic and malicious. The account continues to report false, inconsistent, and outdated information, which is a violation of FCRA 623 ( a ) ( 1 ) ( A ) and Metro 2 reporting codes.

They are knowingly furnishing data that is not verified, not accurate, and not correctthis is now intentional misconduct, subject to penalties under FCRA 616 for willful noncompliance. The CRAs are complicit by continuing to report this information without independent validation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Hatfield, Inc.
State: CT

Complaint narrative:
I have reached out multiple times about my payment from last month and why its not being applied to my account. They kwep saying it is but its still showing pending. They already took another payment for this month as well. The rep said it takes XXXX buisness days to post... it has been pending since XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Details of the Transaction Account ending in : XXXX Amount : {$880.00} ( equivalent to XXXX  XXXX ) Merchant : XXXXXXXX XXXX XXXX XXXX XXXX Transaction Date : XX/XX/year> Statement : The merchant has refused to refund my refundable security deposit. When I filed a dispute through my credit card company, the merchant deliberately misrepresented the transaction by conflating it with the non-refundable XXXX  application fee of $ XXXXan amount I fully acknowledge and never disputed ( supporting documentation attached ). 

Despite submitting clear evidence, including documentation showing the transaction recipient, the merchants refundable security deposit policy, and the XXXX  application policy, Bank of America either failed or neglected to investigate the matter properly. 

According to bank of America 's findings, my claim was denied based on the merchants statement that XXXX  fees are non-refundable regardless of the outcome. However, this reasoning does not apply to my dispute. I am not contesting the {$480.00} XXXX  application fee, which I understand is non-refundable ( payment record and policy attached ). 

My dispute concerns the security deposit of {$880.00} ( XXXX  XXXX ), paid in addition to the XXXX  fee. As per the merchants own refund policy, this deposit is fully refundable within 3045 days after XXXX  rejection or upon exit from the country if the XXXX  is approved ( refund policy attached ). 

In my case, my fiances XXXX  application was rejected, and she never traveled to XXXX. Therefore, the merchant is contractually obligated to refund the security deposit within the specified period. Despite multiple follow-up emails, the merchant has failed to process the refund.

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 2025-11-05 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: SLM CORPORATION
State: NJ

Complaint narrative:
I requested a 1099-C 9 Cancellation of Debt from Sallie Mae regarding an account that was previously reported on my credit report but has since been proven Fraudulent, Documentation and credit investigation confirm I was not responsible for this debt. To ensure accurate tax and credit reporting, I request a written confirmation and copy of the 1099-C form, if one was issued, or official verification that the debt has been canceled and removed. Please provide this information within 30 days in accordance with federal reporting and consumer protection laws. 

I sent this letter to Sallie Mae and Credit bureaus, I have not received any correspondence in which deems this fraud against me and illegal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation