vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-26 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-07-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Net Pay Advance, Inc.
State: KS

Complaint narrative:
I emailed requesting a statement Instead they sent contract and balance

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
violation of consumer laws by One Main F Financial Bank 1. 15 USC 1681b ( a ) 2. 15 USC 1681b ( f ) 3. FCRA section623a ( 1 ) A 4 FCRA section 623 ( a ) 2 These inquiries on XXXX XXXX and XX/XX/year> has damaged my credit worthiness filed on my XXXX  report.Up to this day it is still there despite multiple attempts communicating with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: NJ

Complaint narrative:
I purchased an item on XXXX using my Cash App XXXX XXXX ( ending in XXXX ). The seller issued a refund of {$210.00} on XX/XX/XXXX, but it was canceled because my Cash App account was wrongfully suspended. 

I contacted both XXXX and Cash App. XXXX confirmed the refund was processed on their end, and they told me to speak with Cash App. Cash App keeps telling me that my account sponsor needs to contact them but my sponsor already reached out and was told there was no issue. My sponsor is now unavailable, and Cash App refuses to help or escalate the issue. 

Since the refund was sent to a Cash App Card, Cash App is the card issuer and should be responsible for resolving refund disputes under Regulation E. I just want to know where the refund went and how I can receive the money Im owed. 

Ive included screenshots showing the canceled refund and my conversations with support.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: OK

Complaint narrative:
I am asking for your assistance to review accounts from these companies that are wrongly reporting late payments. After checking my credit report, I noticed some accounts show late payments inaccurately. There should be no late payment remarks on these accounts. Please remove these notes and update the accounts to show the agreed positive status.

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 2025-07-26 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: LA

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

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 2025-07-26 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: MD

Complaint narrative:
Submitted dispute several times with Experian and Transunion, and it was never investigated. I asked for proof of validation, but it was never given. I have spoken with them and provided docs and still no changes. There are so many discrepancies with the XXXX reporting on my credit report and the credit bureaus will do nothing. I don't have this vehicle and haven't had this vehicle, and need this to be removed off my credit report. Please see the attached docs.

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 2025-07-26 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: MI

Complaint narrative:
Please assist me in initiating an investigation regarding these accounts, as they are inaccurately reflected on my credit report. Under the provisions of USC 1681g, I am formally requesting their removal within the next 15 days. I have attached all necessary documentation for your review. Additionally, the data reported for these accounts is inconsistent across the three credit bureaus and contains several discrepancies.

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 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, My name is XXXX XXXX, and I am submitting this complaint regarding an ongoing error by Citibank that is negatively impacting my credit history and financial opportunities. 

In XX/XX/XXXX, I was added as an authorized user on my spouses Citibank credit card ( CITICARDS CBNA ). Despite having been added more than a decade ago, this account was not properly reported to the credit bureaus under my Social Security Number ( SSN ) due to an internal error by Citibank. 

In XXXX, I visited Citibanks XXXX XXXX XXXX ( XXXX XXXX, CA ) with my husband to ensure my SSN was correctly linked to the authorized user profile. We were assured the update had been completed. 

However, after being denied twice by XXXX XXXX  for XXXX XXXX XXXX due to insufficient credit history, I reviewed my credit report and discovered that my average credit age is only 1 year and 5 months, and the Citibank account does not appear in my credit history, even though it is visible under the Credit Usage section as an authorized user. 

On XX/XX/XXXX, a Citibank online chat representative ( XXXX ) confirmed that my SSN was still not linked to the account, explaining why the account was never reported to the bureaus. 

Then, on XX/XX/XXXX, we visited the XXXX XXXX XXXX again. A representative called Citibanks credit card department. The first agent requested my SSN again. The second claimed the SSN was already linked. Finally, a supervisor admitted that an incorrect SSN had been entered into the system and that it was only now being corrected. I was told the updated information would be reported to the credit bureaus. 

At this point, I no longer trust Citibanks verbal assurances, as I have received inconsistent and conflicting information, despite taking steps for years to fix the issue.

As a result of this negligence, I was recently denied two XXXX XXXX  credit card applications, which cited insufficient credit history as the reason. This is directly harming my creditworthiness and financial future, despite no fault on my part. 

I respectfully request that the Consumer Financial Protection Bureau investigate Citibanks mishandling of my personal information and require : Immediate and accurate reporting of the authorized user account to all major credit bureaus under my correct SSN ; Retroactive reporting to reflect the full and accurate length of credit history since XX/XX/XXXX ; Written confirmation from Citibank that the reporting has been completed ; A full explanation of how and when my SSN was incorrectly entered and why this was not resolved in XXXX when I visited the branch. 

Thank you for your attention to this matter. 

Sincerely,

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 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: LEXISNEXIS
State: WI

Complaint narrative:
I went into the Office yesterday at Get it Now and I was given a Copy by Manager when it was charged off XX/XX/01. But in the other dispute it's saying it won't fall off Wayy til XXXX That's not at All purchased the furniture or it was charged off. I've the furniture back because it had Ants inside like 4 months when I first start financing it. Don't even have the Stupid furniture I've been Returned the item and got no money back or anything. I am very upset it's so Petty!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Subject : Complaint Against Equifax and Experian for Failure to Timely Remove Fraudulent Inquiries and Unverified Public Records To Whom It May Concern, I am filing a formal complaint against Equifax and Experian for their continued failure to remove fraudulent credit inquiries and unverified public record information from my credit reports in a timely and compliant manner. These credit reporting agencies are in direct violation of the Fair Credit Reporting Act ( FCRA ) by failing to complete my disputes within the legally required timeframe and allowing inaccurate, unauthorized, and damaging information to remain on file.

Details of the Complaint : 1. I submitted multiple disputes to both Equifax and Experian regarding unauthorized/fraudulent inquiries that were not initiated by me and lack permissible purpose. I included an FTC report along with the
disputes yet they are purposely being disregarded.

2. I also disputed inaccurate or unverified public record entries that neither bureau has validated with proper documentation, such as court dockets or certified verification. These items continue to remain with proper validation.

3. Despite these disputes, both agencies have failed to remove the disputed information within the required 30-day window as outlined under FCRA 611 .

4. In many cases, dispute resolution is being intentionally delayed up to 60 days or more, without adequate communication or supporting documentation.

5. I have provided ample supporting documentation, including identity theft affidavits and several written complaints to CFPB, yet no corrective action has been taken.

6. This negligence is causing me significant financial harm, including loss of credit opportunities, higher interest rates, and emotional distress due to the prolonged inaccuracy of my credit reports.

Requested Resolution : Immediate removal of all fraudulent inquiries that I did not authorize or initiate. 
Deletion of any public record information that can not be verified with certified and accurate legal documentation.

Written confirmation from Equifax and Experian detailing actions taken.

Enforcement action against both bureaus for willfully ignoring FCRA timelines and consumer protections.

Any necessary restitution for damages suffered due to their noncompliance.

Consumers have a legal right to timely and accurate investigations, and the failure of Equifax and Experian to act accordingly warrants federal oversight and corrective action. 

Thank you for your attention to this matter. I am requesting a prompt investigation and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
There are several inaccuracies in the personal information section of my credit report, including outdated addresses that no longer apply to me. I have provided supporting documents for your review and request that these incorrect addresses be removed from my report without delay.

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 2025-07-26 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: CL Holdings LLC
State: FL

Complaint narrative:
Im putting in a form to complain to the Jefferson Capital System that is negatively impacting credit score this account is also 7yrs old dispute is being denied as well from creditors time to remove!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: Colony Brands, Inc.
State: NY

Complaint narrative:
I previously submitted a notarized identity theft affidavit, FTC report, and all required documentation confirming that the account with The Swiss Colony ( Account # XXXX ) was the result of fraud. XXXX  and XXXX  have both deleted the account as required under 15 U.S.C. 1681c-2 ( a ). Despite this, The Swiss Colony has now contacted me directly by mail, demanding more documents they have already received. This contact is unwanted, unnecessary, and unlawful. 

Even basic public-facing sources like XXXX confirm that creditors may only contact consumers if they are unaware of the fraud. In my case, they are fully aware and continuing to contact me anyway, which I consider harassment and a direct violation of the FCRA. They should not be contacting me at all. Their communication must go through the credit bureaus. I demand that they be held accountable for unlawful access and continued contact after identity theft was confirmed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: IL

Complaint narrative:
I need your help reviewing accounts from these companies that have incorrectly flagged late payments on my credit report. After checking the report, I found several entries marked late that are not validthere should be no late payment remarks. Please remove these inaccurate entries and update the accounts to the agreed positive standing.

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 2025-07-26 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: IL

Complaint narrative:
Im asking for your assistance to investigate accounts from these companies that inaccurately report late payments. Ive reviewed my credit report and found entries showing late payments where there shouldnt be anythese should not appear. Please remove those remarks and correct the accounts to reflect a positive status, as previously agreed.

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 2025-07-26 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:
hey, I have been exposed to identity theft and have never had a contract or did any business with XXXX XXXX XXXX there is NO WAY THEY SHOULD HAVE MY INFORMATION! Remove this fraudulent account from my consumer report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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: NY

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
I am an XXXX XXXX servicemember covered under the Servicemembers Civil Relief Act ( SCRA ). My XXXX account, issued by Synchrony Bank, was enrolled in SCRA years ago and I am still serving on XXXX XXXX. Despite this, Synchrony Bank reported late payments and/or charged-off the account while I was protected under SCRA.

I received a refund check from Synchrony for interest and fees, confirming their acknowledgment of my SCRA eligibility. However, the adverse credit reporting remains including [ insert months of lates or charge-off date ], which occurred well after I was approved.

This appears to violate SCRA 50 U.S.C. 3937 ( c ) as well as the Fair Credit Reporting Acts accuracy requirements. Ive requested the trade line be corrected ( from late/charge-off to paid-as-agreed ) or removed entirely, but the credit bureaus and Synchrony have not updated it.

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