vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was looking into buying a house, and realize that I had damages on my credit report according to the 15, USC 1681 there should not be any damages on my report is the defamation to my character I am disputing fraudulent, inaccurate, and unverifiable information on my credit reports with TransUnion, Experian, and Equifax. The following accounts are not mine and/or are reported inaccurately : XXXX derogatory tradeline ( TransUnion ) XXXX / XXXX Acct # XXXX * * * * ( TransUnion ) XXXX XXXX XXXX XXXX XXXX ( Equifax ) Charge-off account ( s ) Equifax Other derogatory and closed accounts Multiple unauthorized hard inquiries I have provided proof of my identity, SSN ( last 4 digits ), and current address, along with detailed dispute letters sent to each bureau. Under the Fair Credit Reporting Act ( FCRA 604, 609, 611, 623 ), the bureaus must delete or correct unverifiable, inaccurate, and unauthorized information.

TransUnion in particular has a documented history of mishandling consumer data. The CFPB and FTC fined TransUnion millions in 2023 for FCRA violations, and in XX/XX/XXXX, TransUnion suffered a massive data breach exposing the personal data of over 4.4 million consumers. This raises serious concerns about the accuracy, integrity, and security of the data being reported in my credit file.

I request that the CFPB compel all three credit bureaus to : Conduct a proper reinvestigation within 30 days, Delete all unverifiable or fraudulent accounts, Remove unauthorized hard inquiries lacking permissible purpose, and Provide updated credit reports confirming deletions. 
Failure to comply with these obligations constitutes a violation of my rights under 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 non-monetary relief
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was looking into buying a house, and realize that I had damages on my credit report according to the 15, USC 1681 there should not be any damages on my report is the defamation to my character I am disputing fraudulent, inaccurate, and unverifiable information on my credit reports with TransUnion, Experian, and Equifax. The following accounts are not mine and/or are reported inaccurately : XXXX derogatory tradeline ( TransUnion ) XXXX / XXXX Acct # XXXX * * * * ( TransUnion ) XXXX XXXX XXXX XXXX XXXX ( Equifax ) Charge-off account ( s ) Equifax Other derogatory and closed accounts Multiple unauthorized hard inquiries I have provided proof of my identity, SSN ( last 4 digits ), and current address, along with detailed dispute letters sent to each bureau. Under the Fair Credit Reporting Act ( FCRA 604, 609, 611, 623 ), the bureaus must delete or correct unverifiable, inaccurate, and unauthorized information.

TransUnion in particular has a documented history of mishandling consumer data. The CFPB and FTC fined TransUnion millions in 2023 for FCRA violations, and in XX/XX/XXXX, TransUnion suffered a massive data breach exposing the personal data of over 4.4 million consumers. This raises serious concerns about the accuracy, integrity, and security of the data being reported in my credit file.

I request that the CFPB compel all three credit bureaus to : Conduct a proper reinvestigation within 30 days, Delete all unverifiable or fraudulent accounts, Remove unauthorized hard inquiries lacking permissible purpose, and Provide updated credit reports confirming deletions. 
Failure to comply with these obligations constitutes a violation of my rights under 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 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX. XXXX XXXX Late Payment Account Number : XXXX Balance Reported : {$1000.00} Issue : Account is reporting late payments inaccurately. Payment history is inconsistent across bureaus, with Equifax and TransUnion marking a 30-day late despite records of timely payment. 
FCRA Violation : Under FCRA 1681i and Metro 2 reporting standards, furnishers must ensure maximum accuracy. This account contains conflicting data and must be corrected or deleted. 
XXXX. XXXX Late Payment Account Number : XXXX Balance Reported : {$650.00} Issue : Account is closed, but Experian, Equifax, and TransUnion report different late payment dates/statuses. This is materially misleading, as a closed account can not continue reporting inconsistent late activity. 
FCRA Violation : Under FCRA 1681s-2 ( a ), furnishers must provide accurate information. Under Metro 2, closed accounts must reflect final accurate status. 
XXXX. XXXX Charge-Off Account Number : XXXX Balance Reported : {$21000.00} Issue : This charge-off is reporting past due amounts of {$8900.00}, which is incorrect and misleading. A charged-off account can not continue accruing past due balances once closed. Different bureaus list conflicting payment histories and dates. 
FCRA Violation : FCRA requires accounts to be reported consistently. Metro 2 guidelines prohibit reporting a past due balance once an account is charged off. This is inaccurate and must be corrected or removed.

4. Excessive Inquiries ( Auto Dealers & Lenders ) Examples : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX. 
Issue : Over 30 auto-related inquiries within a short period are being reported separately, despite being incurred during rate-shopping for a single auto loan.

FCRA Violation : Under FCRA and industry standards, auto loan inquiries within a 1445 day period should be treated as a single inquiry for scoring/reporting purposes. Reporting each as separate is inaccurate and unfairly damaging to the consumers score.

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 2025-10-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
There is no option online to redeem rewards points and one must call Customer Service, which is a challenge in itself to get past the auto prompt. An agent assisted in redeeming XXXX points which is {$65.00} credit to my account and then made a mistake on XXXX of the points which wouldve been {$40.00} credit to only {$10.00} credit. I received the confirmation email which I can provide with the error and I contacted Customer Service again and was told by an alleged manager that no rewards are done over the phone, which is patently false as that is the only option to redeem rewards points for the consumer. The manager confirmed that a {$65.00} credit would be issued in one to two billing cycles and theres no reason for such a delay to credit my account. The manager further stated that the notes would verify the {$65.00} credit and to contact them if the credit is not issued appropriately. The manager was unable to address this issue and only shuffled it off for me to address if the credit is not issued correctly.

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 2025-10-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Zions Debt Holdings
State: LA

Complaint narrative:
I was not satisfied with my XXXXXXXX XXXX XXXX So I called and cancelled my account before I next billing cycle, and now this company called Zion debt is saying that I still owe XXXXXXXX money and they are threatening to report this nonpayment on my credit history. I requested my original contract with them. I attempted to settle for a prorated amount, and they claim they can not do that and are insistent that I pay this outrageous amount without any mutual ground.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MoneyLion Inc.
State: GA

Complaint narrative:
Dear CFPB, I am disputing an account listed on my credit file with MoneyLion Inc. ( Account XXXX. XXXX ). I did not authorize or open this account. It appears to be the result of a data breach in which my personal information was compromised. 

I have already filed a report with the FTC, contacted the credit bureaus, and requested removal of this account. Despite these steps, the account remains on my credit report. 

I am requesting CFPB assistance to ensure this fraudulent account is fully investigated and permanently removed from my credit file. 

Thank you for your attention to this matter.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bridgecrest Acceptance Corporation
State: NC

Complaint narrative:
This creditor calls me every single day morning noon and night repeatedly even after having a payment arrangement in place they will not stop calling me this is harassment they called me yesterday morning XX/XX/XXXX second they call me every single day of all of XXXX morning noon and night This is harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXXXXXX 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 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX. XXXX XXXX Late Payment Account Number : XXXX Balance Reported : {$1000.00} Issue : Account is reporting late payments inaccurately. Payment history is inconsistent across bureaus, with Equifax and TransUnion marking a 30-day late despite records of timely payment. 
FCRA Violation : Under FCRA 1681i and Metro 2 reporting standards, furnishers must ensure maximum accuracy. This account contains conflicting data and must be corrected or deleted. 
XXXX. XXXX Late Payment Account Number : XXXX Balance Reported : {$650.00} Issue : Account is closed, but Experian, Equifax, and TransUnion report different late payment dates/statuses. This is materially misleading, as a closed account can not continue reporting inconsistent late activity. 
FCRA Violation : Under FCRA 1681s-2 ( a ), furnishers must provide accurate information. Under Metro 2, closed accounts must reflect final accurate status. 
XXXX. XXXX Charge-Off Account Number : XXXX Balance Reported : {$21000.00} Issue : This charge-off is reporting past due amounts of {$8900.00}, which is incorrect and misleading. A charged-off account can not continue accruing past due balances once closed. Different bureaus list conflicting payment histories and dates. 
FCRA Violation : FCRA requires accounts to be reported consistently. Metro 2 guidelines prohibit reporting a past due balance once an account is charged off. This is inaccurate and must be corrected or removed.

4. Excessive Inquiries ( Auto Dealers & Lenders ) Examples : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX. 
Issue : Over 30 auto-related inquiries within a short period are being reported separately, despite being incurred during rate-shopping for a single auto loan.

FCRA Violation : Under FCRA and industry standards, auto loan inquiries within a 1445 day period should be treated as a single inquiry for scoring/reporting purposes. Reporting each as separate is inaccurate and unfairly damaging to the consumers score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$4100.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was recently traveling and, during that time, I lost my wallet and became a victim of identity theft. As a result, several fraudulent accounts appeared on my credit report. I did not authorize or open any of these accounts, they do not belong to me and are the result of 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 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to advise that I am a victim of XXXX For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$4300.00} DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$4400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$3400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$710.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$420.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$5300.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NV

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Sp

ecifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for the violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am submitting this complaint against the three major credit bureausXXXX XXXX and TransUnionfor ongoing, systemic violations of the Fair Credit Reporting Act ( FCRA ) and failure to comply with Metro 2 Format and CDIA industry standards.

Despite submitting multiple disputes concerning inaccurate, unverifiable, and/or outdated negative items on my credit reports, the credit bureaus have consistently responded with vague verified as accurate outcomeswithout producing a single shred of documentary evidence or conducting a lawful investigation as required under 15 U.S.C. 1681i ( a ). 

Instead, they rely on the deeply flawed and automated e-OSCAR system, which merely forwards dispute codes to furnishers and accepts their response without independent verification. This practice has been widely criticized by the CFPB and ruled inadequate in court. 

Violations and Legal Basis : The following violations form the basis of this complaint : 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681s-2 ( b ) Furnisher failure to correct or delete disputed information Metro 2 and CDIA Guidelines Failure to comply with reporting format and data integrity standards Further, the credit bureaus use of e-OSCAR has been ruled insufficient in legal precedent : " A credit reporting agency may not rely blindly on the [ furnisher 's ] investigation. The agency has an obligation to conduct a reasonable investigation itself. '' XXXX XXXX Trans Union XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) These harms are measurable, preventable, and attributable to willful negligence and disregard of consumer protection law. 

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Relief Requested : I am requesting that the Consumer Financial Protection Bureau take appropriate supervisory or enforcement action and require XXXX XXXX  and TransUnion to : Immediately delete all negative items previously disputed that can not be verified with complete documentation Cease reporting unverifiable data and require original source validation for all disputes Re-review investigation procedures and prohibit reliance solely on e-OSCAR as a substitute for human reinvestigation Certify in writing that corrective actions have been taken and notify all furnishers and third-party users of the updated information

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