vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TrueAccord Corp.
State: CA

Complaint narrative:
Charges were made XX/XX/XXXX and XXXX XXXX first bill I ever received was XX/XX/XXXX. I have been disputing this since. XXXX bals owned with the late fees charges XXXX TrueAccord collection I had made XXXX dispute process with all my paperwork that they require with the police statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: NC

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-11-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I made a payment to the irs for XXXX dollars it showed the money came out of my account but I called the irs and they said bancorp stopped payment on it but the money was not put back in my account I cant get ahold of bancorp I call it says it dosent recognize me it hangs up called pay pal they say they dont have that information I have trace numbers XXXX and XXXX it was made on XX/XX/year> and reversed XX/XX/year> and I think it was reversed twice on XX/XX/XXXX XXXX and XX/XX/XXXX irs said it should of been reversed back to me but it wasnt

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 2025-11-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.

Complaint narrative:
Subject : Complaint Regarding Cash Apps Failure to Timely Resolve Fraud-Induced Transaction To Whom It May Concern, I am submitting this complaint against Cash App XXXX XXXX XXXX XXXX XXXX XXXX XXXX regarding their failure to promptly and properly resolve a fraud-induced transaction on my account. 

In XX/XX/year>, I was deceived by an online scammer into sending a payment of {$170.00} through Cash App. Although the transaction was technically authorized by me, it was induced through fraud, making it a covered transaction that Cash App is obligated to investigate. The transaction ID is # XXXX. 

Today, XX/XX/year>, I filed a formal dispute with Cash App and submitted all supporting evidence demonstrating that the payment was obtained through fraudulent means. Despite providing clear documentation, Cash App informed me that they will not issue a resolution until XX/XX/XXXX, which is an unreasonable delay for a fraud investigation and leaves me without access to the funds I lost due to criminal activity. 

Cash Apps delayed timeline and handling of this matter appear to fall short of reasonable consumer protection standards for fraud-induced transfers. I am requesting that the CFPB review Cash Apps dispute-resolution practices and require them to : 1. Promptly and thoroughly investigate this fraud-induced transaction.

2. Expedite the resolution and refund of the {$170.00} taken through fraud.

3. Improve their protocols for handling scam-related transfers to prevent excessive delays for affected consumers.

Thank you for your attention to this matter and for assisting in securing a timely resolution. 

Sincerely, [ XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX is reporting inaccurate, conflicting, and unverifiable information regarding the above account, and they have failed to respond to multiple direct disputes sent by certified mail. 

XXXX. XXXX Failed to Respond to XXXX Certified Disputes I mailed XXXX XXXX : XXXX  Request for Verification on XX/XX/year> ( See attached PDF pages XXXX for the original letter, ID, XXXX card, and utility bill. ) XXXX & Final Notice on XX/XX/year> ( See PDF pages XXXX includes Texas ID and XXXX card again. ) XXXX never responded to either dispute. 
This violates FCRA 623 ( b ) ( failure to investigate a direct dispute ). 

XXXX. XXXX is Reporting Conflicting Information to Different Bureaus Equifax deleted the account or updated it to {$0.00} in Good Standing, meaning XXXX could not verify the debt. 

Experian is still reporting : Charge Off {$1900.00} balance Unpaid Balance Reported as a Loss by XXXX XXXX Dispute Resolved Consumer Disagrees These XXXX outcomes can not both be correct. 
XXXX is furnishing inconsistent, unverifiable information, violating : FCRA 607 ( b ) Maximum accuracy FCRA 623 ( a ) ( 1 ) ( A ) Can not report information known to be inaccurate FCRA 623 ( b ) Must correct or delete information that can not be verified XXXX. XXXX Has Not Provided a Single Document Requested Across both certified disputes, I requested : Itemized billing Final bill Date of first delinquency Account ledger Proof of charge-off Any documentation supporting the {$1900.00} balance XXXX  has provided nothing. 
Under FCRA 611 ( a ) ( 5 ), unverifiable information must be deleted.

XXXX. Experian Is Reporting Monthly Charge-Off Codes Experian is showing repeated CC codes in XXXX, which : are incorrect, indicate ongoing updates, and violate credit reporting guidelines since XXXX already told Equifax the account is resolved with {$0.00} owed. 

This harms my creditworthiness and violates FCRA accuracy 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 non-monetary relief
Consumer complaint received 2025-11-29 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: MS

Complaint narrative:
This account was paid off completely, yet it still shows late payment history.

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 2025-11-29 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: MI

Complaint narrative:
Consumer Reporting Agencies are required to ensure that all information they report is accurate, fair, and handled with respect for consumer privacy. In this case, they failed to meet those responsibilities. I never gave written consent for my information to be reported, which violates 15 U.S.C. 1681b ( 2 ). Because of this failure, my information has been used without authorization, leading to an alleged identity theft issue under 15 U.S.C. 1681c-2. The accounts being reported do not belong to me.

The company has also violated multiple provisions of the Fair Debt Collection Practices Act. Under 15 U.S.C. 1692f, they are prohibited from using unfair or abusive methods to collect a debt, including trying to collect amounts not permitted by law or agreement. They also violated 15 U.S.C. 1692e by using false and misleading claims in their attempts to collect a debt I do not owe. In addition, they contacted me at inappropriate and inconvenient times, which is another violation of federal law. 

I have been repeatedly harassed over a debt that is not mine and subjected to contact that is both inappropriate and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-29 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: V and H Portfolio
State: SC

Complaint narrative:
Vance and Huffman LLC is reporting the account Vance and Huffman LLC XXXX  Account despite no documentation being provided to validate the debt. I disputed this account through the credit bureaus, and the item was deleted from at least XXXX bureau, which confirms it could not be verified. However, XXXX XXXX  XXXX continues to report or furnish information to another bureau without supplying any documentation, investigation results, assignment paperwork, itemized statements, or XXXXXXXX XXXX XXXXXXXX. This violates FCRA section 611 ( a ) ( 1 ) ( A ), section 611 ( a ) ( 6 ), and section 611 ( a ) ( 7 ). Inconsistent reporting between bureaus violates section 607 ( b ). Furnisher obligations under section 623 ( b ) ( 1 ) ( A ) and section 623 ( b ) ( 1 ) ( D ) were also violated because XXXX XXXX  XXXX failed to conduct a reasonable investigation and continues to report unverifiable information. Under XXXX v. XXXX  and XXXX XXXX XXXX, unverifiable information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: SC

Complaint narrative:
TransUnion failed to verify, validate, or investigate any of the negative accounts I disputed. TransUnion provided only a generic summary that did not include validation documents, underlying evidence, or a Method of Verification. Negative accounts appearing on my TransUnion file remain unverified, including XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Account, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Sold/Charged Off, XXXX and XXXX XXXX XXXX Account, XXXX XXXX XXXX  XXXX XXXX Credit Card XXXX XXXX Accounts Services Team Paid Collection XXXX XXXX XXXX XXXX related to the XXXX account , and all other accounts included in my dispute. TransUnion did not provide contracts, statements, payment history, assignment documents, or any of the documents used to verify these accounts. Under FCRA section 611 ( a ) ( 1 ) ( A ), TransUnion is required to conduct a reasonable investigation within XXXX  days, and under section 611 ( a ) ( 7 ), TransUnion must provide the Method of Verification upon request. No such compliance occurred. Under section 607 ( b ), TransUnion must ensure maximum possible accuracy. The continued reporting of negative accounts without verification violates these statutory duties and is inconsistent with case law including XXXX v. TransUnion, XXXX XXXX XXXX, and XXXX v. XXXX, all of which hold that unverifiable information must be removed. 


I requested full verification of all negative accounts appearing on my TransUnion credit report. This included the complete original signed contracts or applications, full payment history, all billing statements, itemized balance breakdowns, late-payment records, charge-off documentation, repossession records, deficiency balance and auction documents where applicable, the complete chain of assignment or bill of sale for any collection account, internal investigation records, e-OSCAR ACDV responses, the identity and credentials of the person who allegedly verified the accounts, and the full Method of Verification used to confirm each tradeline. I also requested the documents TransUnion relied upon when marking these accounts as verified. None of the documents required under FCRA sections 604, 609, 611, or 623 were provided.

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 2025-11-29 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: Affirm Holdings, Inc
State: PA

Complaint narrative:
AFFIRM OPENED 2024 XXXX THESE ACCOUNT OPEN MY EX SPOUSE.ITHESE TOTALLY THEFT OPENED ACCOUNT WITHOUT MY KNOWLEDGE WITHOUT MY PERMISSION AFFIRM AND XXXX USED IT.STILL XXXX THEY ARE NOT REMOVING LATE PAYMENT.BUT ACCOUNT PAID FULL. 
FEDERAL ACT LAW FCRA 15 U.S.C 1691, 12 FCR 1002. FEDERAL LAW 15. US. CODE 1666 B. DELETE CHARGE OFF 15 U S CODE. 1681 C2. DELETE HARD INQUIRY 15 U.S CODE 1681.DELETE REPORTING 15 USA 1681 and 14 USC 1681n . Under FCRA 605B without my permission without my knowledge affirm account opened fraudly and used my credit score and damaged and messed.I want to removed infederal law and removed from credit report from all credit bureaus and Affirm account company. AFFIRM ACCOUNT NUMBER XXXX. REMOVED ASAP OR TAKE ACTION WILLBELAWSUIT WITH FEDERAL WITH THE SUPREME COURT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: MI

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-11-29 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: SC

Complaint narrative:
Multiple accounts on my credit file were corrected or removed between XXXX XXXX XXXX including XXXX XXXX XXXX XXXX ( collection closed ), XXXX XXXX ( collection closed ), and XXXX XXXX XXXX  ( incorrect remark removed ). These changes happened only after I disputed them several times, because the furnishers failed to provide any lawful verification, validation, or documentation connecting the accounts to me. 

The sudden closure or removal of these items after disputes indicates the information previously furnished was inaccurate, incomplete, or unverifiable, which is a violation of FCRA 611 and 623.

I am requesting that the CFPB : 1. Ensure these furnishers do not reinsert the accounts without full certification 2. Require the f
urnishers to comply with all FCRA verification, accuracy, and reinsertion requirements 3. Ensure the credit bureau removes any remaining derivative or inaccurate data 4. Review whether furnishers improperly reported unverifiable information I am seeking full correction of my credit report and enforcement of FCRA compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Synchrony Bank has repeatedly violated the FDCPA and CFPB Regulation F by calling me excessively for more than XXXX months from the number XXXX, even though the accounts were already closed and charged off. 

I have screenshots showing daily calls far exceeding the legal limit of XXXX calls in XXXX  days. This harassment continued despite the accounts being closed.

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 2025-11-29 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: IL

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items.

I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a XXXX grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX  business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with explanation