vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/year> I submitted. my XXXX dispute for errors on my credit report. They responded XX/XX/year> that it was being reviewed. It is now XX/XX/year>. No contact. No updates. They have taken over XXXX  days and are willfully complicit in aiding fraud as a result of allowing inaccurate information on my report. I submitted an ftc theft report and they have ignored me and the laws that require any fraudulent accounts be removed and blocked in accordance to 15 U.S.C 1681eb.

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 2025-08-16 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 value my credit the same as everyone else 's which is why I'm really upset about the mistakes I saw on my credit report. They are mixed, fraudulent information that Ive never authorized or benefited from. These errors are causing me a lot of stress and its affecting everything. I need you to make sure all this information is 100 % correct and I went them done ASAP. These mistakes are taking a toll on my credit and my life, and I need it taken care of now. Get this fixed immediately and confirm that you have removed all these fraudulent transactions and account from my credit report ASAP.

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 2025-08-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Block, Inc.
State: GA

Complaint narrative:
I am formally requesting immediate resolution of my refund dispute in accordance with Regulation E ( 12 CFR Part 1005 ) and applicable state laws. 

On XX/XX/year>, I was charged {$380.00} by the retailer XXXX. On XX/XX/year>, XXXX confirmed in writing that they accepted my chargeback and processed a full refund for this amount plus a fee a total of {$400.00}. I have attached proof of the merchants confirmation, including the refund reference number. 

Despite the merchants confirmed refund more than XXXX  days ago, my Cash App account has not been credited. Your support team originally advised that resolution would take XXXX  days from XX/XX/year> the XXXX time I reported the issue but has now extended the timeframe to XXXX  days without justification. This delay is unreasonable and, under Regulation E, you are required to provisionally credit my account within XXXX business days of receiving notice of the error. I initially reported this on XX/XX/year> & Cashapp closed without cause saying they hadnthat a response from me in XXXX  days but I only filed XXXX  days prior at the time and had not been contacted by Cashapp and submitted this XXXX dispute. I call Cashapp customer service and was hung up on by the representative telling my I have to continue via online chat. Which is a bot repeating the same responses. 

I am therefore requesting : Immediate provisional credit of {$380.00} to my Cash App account. A written explanation of the reason for the delay beyond the original XXXX investigation period. Confirmation that this matter is being escalated directly to the Disputes Team for resolution. 


Attachments : Proof of original {$380.00} transaction Merchant confirmation of refund ( XXXX ) Screenshots of Cash Apps original XXXX and updated XXXX timeframe .various messages from Cashapp saying they are investigating or denying my dispute then again go back to saying they are investigating. They are stealing money from me blantly. The merchant XXXX has provided documented proof they refunded me and accepted chargeback yet Cashapp is denying they have received funds or still investigating.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
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:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-08-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
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:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-08-15 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: CA

Complaint narrative:
b'XXXX XXXX XXXX XXXX XXXXXXXXHard inquiries XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXXWrong address XXXXAnd wrong employment'

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 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
b'XXXX XXXX XXXX XXXX XXXXXXXXHard inquiries XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXXWrong address XXXXAnd wrong employment'

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 2025-08-16 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: CA

Complaint narrative:
I, XXXX XXXX XXXX, am a victim of identity theft. Fraudulent accounts and credit inquiries have been reported on my credit files without my knowledge, consent, or authorization. 

On XX/XX/XXXX, I filed an official FTC Identity Theft Report ( Report Number : XXXX ) documenting these unauthorized accounts and inquiries. These accounts were opened and inquiries made by unknown individuals using my personal information, likely as a result of the Equifax data breach. 

The fraudulent accounts appearing on my credit reports include : Challenge Financial Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX  Account # XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Card XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent inquiries also include : XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX These accounts and inquiries are the result of identity theft and should be permanently blocked from my credit reports in accordance with FCRA 15 U.S.C. 1681c-2.

I request that the CFPB assist in ensuring the credit reporting agenciesEquifax, Experian, and TransUnionimmediately remove the above accounts and inquiries from my credit files and take steps to prevent further unauthorized use of my information. 

I have enclosed the following : FTC Identity Theft Report ( # XXXX ) Copy of my government-issued ID Copy of my Social Security card Proof of address Signed : XXXX XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2025-08-16 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: CA

Complaint narrative:
I, XXXX XXXX XXXX, am a victim of identity theft. Fraudulent accounts and credit inquiries have been reported on my credit files without my knowledge, consent, or authorization. 

On XX/XX/XXXX, I filed an official FTC Identity Theft Report ( Report Number : XXXX ) documenting these unauthorized accounts and inquiries. These accounts were opened and inquiries made by unknown individuals using my personal information, likely as a result of the Equifax data breach. 

The fraudulent accounts appearing on my credit reports include : Challenge Financial Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX  Account # XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Card XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent inquiries also include : XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX These accounts and inquiries are the result of identity theft and should be permanently blocked from my credit reports in accordance with FCRA 15 U.S.C. 1681c-2.

I request that the CFPB assist in ensuring the credit reporting agenciesEquifax, Experian, and TransUnionimmediately remove the above accounts and inquiries from my credit files and take steps to prevent further unauthorized use of my information. 

I have enclosed the following : FTC Identity Theft Report ( # XXXX ) Copy of my government-issued ID Copy of my Social Security card Proof of address Signed : XXXX XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have multiple false reportings on my credit report such as my name XXXX XXXX XXXX, open accounts that are not mine, and addresses that do not belong to me please fix this error

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: CA

Complaint narrative:
Unauthorized accounts are appearing on my credit report that I did not open, authorize, or manage. This information is false, misleading, and damaging to my credit profile.

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 2025-08-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I traded in an XXXX on XX/XX/year> and got credit of {$130.00} to the account. The {$130.00} was never applied to balance and I've since been paying the credit card statement every month in full, in excess of the credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: I.C. System, Inc.
State: NC

Complaint narrative:
Unknown creditor continuously trying to contact ridiculous amounts of money

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 2025-08-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
Synchrony Bank XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account # ending in XXXX To Whom It May Concern, Subject : Dispute of Negative Credit Reporting and Demand for Resolution Due to Serious Medical Hardship I am writing to express my deep disappointment and frustration with the way my account has been handled during an extremely difficult time in my life. 
As a XXXX man battling both XXXX  and XXXX XXXX, I have made every effort to act responsibly and in good faith. When my illness made it difficult to meet my regular credit card payments, I contacted your office by phone and followed up with a written letter dated XX/XX/year>. In both communications, I requested two reasonable accommodations : a reduced interest rate and a lower monthly payment. Your customer service representative flatly turned me down. 
After months of no response, I finally received a letter dated XX/XX/year>, offering exactly what I originally requested. However, in the meantime, your institution chose to report my account as 90 days past dueseverely damaging my credit rating. 
This is unacceptable. I reached out for help early and in good faith. Your delay in responsenot my illness nor my willingness to cooperateled to this result. At this point, my priorities are focused on healing and managing overwhelming medical costs. As such, I must now set clear boundaries : I will not send any further payments until the following conditions are met : 1. The negative 90-day late payment is removed from all credit bureaus.

2. The reduced interest rate and lowered monthly payments ( as per your XX/XX/XXXX letter ) are implemented retroactively to my XX/XX/XXXX request. 
3. You provide written confirmation that my account will remain in good standing moving forward.

I trust your office will take the time to understand the full context and gravity of my situation. I am not asking for charityIm asking for fairness, compassion, and accountability.

Please consider this letter a formal dispute of the reported 90-day delinquency under the Fair Credit Reporting Act. I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and state regulators if necessary. However, I hope this can be resolved amicably and swiftly. 
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 2025-08-15 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \n\nEquifax XXXX XXXX XXXX XXXX XXXX XXXX XXXXSubject: Rest to Block and Delete Fraudulent Accounts  Identity Theft Victim\n\nDear Equifax Consumer Services,\nI am writing to formally request the blocking and deletion of fraudulent accounts and information related to my identity under the Fair Credit Reporting Act (FCRA), specifically pursuant to 15 U.S.C.  1681c-2(a). I am a victim of identity theft because of the Equifax data breach, and unauthorized accounts have been fraudulently opened in my name.\n\nThe fraudulent accounts that I have identified on my credit report are as followsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX request that Equifax promptly block and delete the fraudulent accounts from my credit file to prevent further harm to my credit profile.\n\nFurthermore, I request written confirmation that these accounts have been removed, as well as an updated copy of my credit report reflecting these changes.\n\nIf you require any further information or documentation to process this request, please contact me immediately at the phone number or email provided above.\n\nThank you for your prompt attention to this matter. I appreciate your cooperation in ensuring my credit report remains accurate and free from fraudulent activity.XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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: NC

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 2025-08-16 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: NC

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 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 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-08-16 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: FL

Complaint narrative:
I HAVE LEGAL PROOF I HAVE NEVER BEEN LATE ON ANY PAYMENT IN MY LIFE. PLUS ONE REPORT SHOWS I OWE MORE THAN IS NOT CORRECT. I'M READY TO TAKE LEGAL ACTION TO ALL WHO HAVE DONE ME WRONG ON MY CREDIT. I MUST GET ACTION BEFORE I TAKE LEGAL ACTION SO TAKE OFF ALL LATE PAY ON ALL ACCOUNT. I HAVE TALKED TO MY LAWYER AND HE IS READY TO GO AFTER ALL PARTIES SO TELL ALL TAKE ALL OFF MY REPORTS BEFORE LEGAL ACTION WILL TAKE PLACE

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