vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-03 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: PA

Complaint narrative:
I am writing to dispute a collection account that continues to appear on my credit report, despite the fact that it has been paid in full. Reporting a paid collection account with no updated status misrepresents the situation and violates the principles of fair and accurate reporting as required under the Fair Credit Reporting Act.

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 2025-07-03 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:
upon reviewing my credit consumer reports, i discovered some instances of late payments on an account for which i have always maintained timely payments. Consumer reporting agencies play a crucial role in accurately reporting consumer information.it is imperative that this information be reported with utmost accuracy. i have never missed a payment on the following account XXXX  XXXX  /XXXX. XXXX account number started XXXX i request a thorough investigation into these discrepancies and urge you to provide evidence, such as statement, demonstrating the lateness of these payments. if unable to furnish such proof, i demand that these payments be promptly updated to reflect their true status as on-time, never late for XXXX, days and XXXX no late payments at all. as i have consistently upheld my payment obligations without delay

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Macys CBNA posted on my car loan a 30-daypayment for the XX/XX/year> payment. I have always maintained my relationship with my creditors in the highest regards. I hereby request a review of my payment history to see if a mistake was made, and thus the removal of the late payment altogether. 

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 2025-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-04 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: IL

Complaint narrative:
I am writing to formally dispute several inaccuracies on my credit report that are significantly impacting my financial well-being. As a consumer, I am fully aware of my rights under the Fair Credit Reporting Act and expect a thorough investigation of these inaccuracies, as mandated by federal law. 

It is alarming to note that the Consumer Financial Protection Bureau ( CFPB ) has recently taken action against Experian, Equifax, and Transunion for their failure to conduct proper investigations into consumer disputes. The CFPB has described these practices as " sham investigations, '' highlighting systemic failures that not only undermine consumer trust but also result in wrongful credit reporting. Practices such as inadequate investigations, reinsertion of previously disputed and inaccurate information without proper explanation, and insufficient notification to consumers about the investigation outcomes are unacceptable. Such shortcomings raise serious concerns that my dispute may also be mishandled. 

Below, I have delineated the specific accounts listed on my credit report that I firmly believe are inaccurate and 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 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: IL

Complaint narrative:
I am writing to formally dispute several inaccuracies on my credit report that are significantly impacting my financial well-being. As a consumer, I am fully aware of my rights under the Fair Credit Reporting Act and expect a thorough investigation of these inaccuracies, as mandated by federal law. 

It is alarming to note that the Consumer Financial Protection Bureau ( CFPB ) has recently taken action against Experian, Equifax, and Transunion for their failure to conduct proper investigations into consumer disputes. The CFPB has described these practices as " sham investigations, '' highlighting systemic failures that not only undermine consumer trust but also result in wrongful credit reporting. Practices such as inadequate investigations, reinsertion of previously disputed and inaccurate information without proper explanation, and insufficient notification to consumers about the investigation outcomes are unacceptable. Such shortcomings raise serious concerns that my dispute may also be mishandled. 

Below, I have delineated the specific accounts listed on my credit report that I firmly believe are inaccurate and 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

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 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have encountered difficulties accessing my Equifax Information Services account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: NC

Complaint narrative:
To Whom It May Concern, I am filing a complaint against Cash App ( Square , Inc. ) regarding their handling of a flagged and frozen account issue that has left me without access to a total of {$1700.00} since XX/XX/year>. 

What Happened : I sent a {$80.00} payment to a friend through Cash App with the note : for helping Donald Trump with XXXX. 

This was an inside joke, and had no real-world connection to any political, financial, or illegal activity. However, the payment note triggered Cash Apps automated compliance system, which led to my account being flagged and frozen. Cash App also froze my friends account, even though they had no involvement beyond receiving the payment. 



Details : Case Number : XXXX Transaction ID : XXXX Issue Began : XX/XX/year> Total Frozen Amount : {$1700.00} {$80.00} payment involved in the flagged transaction {$1600.00} in additional funds in my Cash App balance My Attempts to Resolve : I have contacted Cash App support daily, often multiple times per day, since XX/XX/XXXX. 
Ive been repeatedly told the issue would be resolved within 12 business days, but we are now well beyond that 4+ business days later, and I still have no access to my funds.

Cash App escalated the issue internally twice, but still has not provided a resolution, any meaningful updates, or a temporary way to access my money.

Financial Harm Caused : I use Cash App as my primary banking method, and I receive my direct deposit through it.

I have rent due, bills piling up, and I currently can not afford food and necessities for myself and my pregnant fiance.

This situation is not just inconvenient it is causing real financial and emotional harm, and no one at Cash App has taken responsibility for correcting it quickly.

What Im Requesting : Immediate release of the full {$1700.00} ( including the {$80.00} flagged payment and my full account balance ).

A full explanation as to why my account was flagged based on a clearly satirical note.

A better escalation and resolution process to prevent users from being locked out of their own money due to automated keyword triggers and vague policy enforcement.

Conclusion : I am simply asking to regain access to my money funds I need to take care of myself and my growing family. I believe Cash Apps behavior here is unreasonable, especially after they failed to honor their own resolution timelines and provided no alternative way to access my money. Im hoping the CFPB can help get this resolved promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 XXXX Code XXXX 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 ( XXXX ) 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.

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 2025-07-04 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: FL

Complaint narrative:
I am writing to follow up on my previous correspondence regarding several negative accounts appearing on my credit report due to identity theft, as detailed in my last letter.

In my initial statement, I outlined the unauthorized transactions and accounts that have been fraudulently opened in my name, which have severely impacted my credit standing. I kindly requested the removal, blocking, or updating of these inaccurate entries, as well as a prompt response regarding the dispute 's timeline and process.

Please provide an update on the current status of my case and confirm the steps that have been or will be taken to resolve this matter. If there is any additional information or documentation required, please let me know, as I am committed to assisting with the verification and correction process to ensure an accurate reflection of my credit report.

I appreciate your time and consideration in addressing this issue. I look forward to your response and a timely resolution to restore the integrity of my credit record.

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 2025-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
In XXXX and XX/XX/XXXX, my XXXX accountissued through XXXX XXXX XXXX reported as 30 days late to the credit bureaus. However, I had automatic payments enabled, and there were sufficient funds in my account at the time. I did not receive any notifications of a failed payment attempt, nor was I alerted via email or within the XXXX app that a payment was missed. 

I became aware of these late marks while reviewing my credit report in XX/XX/XXXX, and they are negatively impacting my credit standing. I have since contacted both XXXX and XXXX XXXX XXXX  to dispute the accuracy of these reports and provided supporting documentation, such as bank statements. 

Under the Fair Credit Billing Act ( 15 U.S. Code 1666b ) and Truth in Lending Act ( 15 U.S.C. 1637b ), creditors are required to accurately apply payments and notify consumers of billing issues. Since I was not notified and attempted to resolve the matter in good faith, I am requesting that these late payments be investigated and removed as inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 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: MS

Complaint narrative:
In XXXX and XX/XX/XXXX, my XXXX accountissued through XXXX XXXX XXXX reported as 30 days late to the credit bureaus. However, I had automatic payments enabled, and there were sufficient funds in my account at the time. I did not receive any notifications of a failed payment attempt, nor was I alerted via email or within the XXXX app that a payment was missed. 

I became aware of these late marks while reviewing my credit report in XX/XX/XXXX, and they are negatively impacting my credit standing. I have since contacted both XXXX and XXXX XXXX XXXX  to dispute the accuracy of these reports and provided supporting documentation, such as bank statements. 

Under the Fair Credit Billing Act ( 15 U.S. Code 1666b ) and Truth in Lending Act ( 15 U.S.C. 1637b ), creditors are required to accurately apply payments and notify consumers of billing issues. Since I was not notified and attempted to resolve the matter in good faith, I am requesting that these late payments be investigated and removed as 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 2025-07-04 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I paid off my Sychrony Amazon store card on XX/XX/year>, in the amount of XXXX and ended up with a credit balance of - {$49.00}. 


Sychrony posted the payment on that date, showing my account with a credit balance. 

I attempted to use the card on XX/XX/year>, however I could not, because as I was told, they " placed a hold '' on my payment due to some policy that they claim " prevents a customer from disputing their payment and defaulting on the account ''. 


As of today, XX/XX/year>, I am STILL unable to use my account because of their " hold '' on my payment. 

This is a practice that is unethical, because they collected my payment in full, and then prevented me from using my account for 10 days based on a little known policy that they likely do not fully disclose to customers when they open accounts with them. 

When I spoke to a so called " supervisor '', the person had the audacity to waste my time by telling me about " all of the fraud that Synchrony experienced in the last year, which had NOTHING to do with me. 

Never, in my 50 years of having credit and using it responsibly have I heard of such a policy that actually PENALIZES customers for being responsible account holders by paying their obligations in full.

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 2025-07-04 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: VA

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXX XXXX XXXX VA XXXX '' VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court United States Bankruptcy Court Eastern District of Virginia that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. LexisNexis, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 2025-07-04 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: VA

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXX XXXX XXXX VA XXXX '' VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court United States Bankruptcy Court Eastern District of Virginia that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. LexisNexis, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

Company response to consumer: Closed with non-monetary relief