vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-18 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: MO

Complaint narrative:
The late payment entries currently appearing on my credit report are inaccurate and do not accurately reflect my true payment history. I have submitted multiple requests for investigation and correction of these discrepancies ; however, no meaningful or corrective action has been taken. Despite providing all requested documentation and following up in good faith, these errors remain unresolved. 

The continued reporting of inaccurate information has caused substantial financial harm and emotional distress. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a consumer credit report that is fair, accurate, and complete. This includes the prompt correction or deletion of any information that is inaccurate, misleading, or can not be verified. Your failure to address these inaccuracies after repeated notice constitutes a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: LA

Complaint narrative:
I am filing a formal complaint under the Fair Credit Reporting Act ( FCRA ), specifically Sections 602, 609, and 611. TransUnion is reporting inaccurate, incomplete, and unverifiable information that fails to meet METRO 2 compliance standards. Under Section 611, unverifiable data must be promptly deleted. Furthermore, TransUnion was involved in a major data breach, making the accuracy of its reported data questionable. I am demanding an immediate investigation and deletion of all unverifiable information within four ( 4 ) days as required by law.

1. I was never late on the payment and here i can see 30 days late payment being reported. 
XXXX Account Number : XXXX Please correct/update this account from my credit report. 
2. I was never late on the payment and here i can see multiple late payment being reported. 
XXXX XXXX XXXX Account Number : XXXX Please correct/update this account from my credit report. 
3. I was never late on the payment and here i can see multiple late payment being reported. 
XXXX XXXXXXXX Account Number : XXXX Please correct/update this account from my credit report.

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 2025-12-18 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-18 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: World Acceptance Corporation
State: IN

Complaint narrative:
I paid off a loan about a year or so ago and then got another loan from company a year or so later. However, I received a new loan from company with now balance of debt from previous loan whereas i was able to get a new loan from company. After I got the new loan about a month or XXXX later I started getting calls from company saying I owe money for now XXXX loans. The last loan I took out from them and the previous loan that I had with them. I told the manager that the old loan was paid off and she said that my check was returned and that's why I need to pay for that account too. I told her that the loan was paid by a bank consolidation company and I will see why it was returned. I spoke with the financial/consolidating company about issue and they said that the check was returned by loan company due to it being more than what was owed by me. So the consolidation company sent out another check to loan company for correct amount and now its showing in loan manager system as being paid. But I've received numerous of calls about me owing that debt and it is still now today on my credit report as a debt for total amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: IN

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

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 2025-12-18 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: ENOVA INTERNATIONAL, INC.
State: OH

Complaint narrative:
I contacted company about a line of credit when they said I was approved for XXXX but then said I was denied therefore I would like the inquiry from my credit report removed for FALSE information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: WA

Complaint narrative:
I am submitting this complaint directly against Synchrony Bank as the data furnisher. 

I previously disputed this account with XXXX XXXX XXXX XXXX. Each consumer reporting agency completed a reinvestigation and verified the tradeline based solely on Synchrony Banks confirmation. 

Despite receiving notice of disputes, Synchrony Bank has continued to furnish misleading and inaccurate information on a closed, charged-off account, including : Reporting ongoing credit utilization on a closed account Continuing to update balances and reported dates after disputes Furnishing data that implies an active revolving credit relationship where none exists The account is clearly marked as closed and charged off, yet Synchrony Bank updated the balance and reporting date on or about XX/XX/year>, while disputes and CFPB complaints were pending. 

Synchrony Bank has never provided me with documentation explaining how utilization is calculated on a closed, charged-off account or how this reporting is accurate. This continued furnishing materially harms my credit profile and misleads users of my credit report. 

I believe Synchrony Bank is violating its obligations under the Fair Credit Reporting Act, including 15 U.S.C. 1681s-2 ( b ), by failing to conduct a reasonable investigation and by continuing to report misleading information after notice. 

I am requesting that Synchrony Bank : Provide written documentation substantiating the accuracy of all reported fields, or Correct or delete the tradeline from all consumer reporting agencies. 

I reserve all rights.

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 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Smart Finance Inc dba Fishtail Financial
State: NV

Complaint narrative:
This vehicle was a defect and the dealership that sold it to me took allowed me to turn the vehicle back in to them with no more owed. We had come to an agreement that since the engine had failed shortly after I bought the vehicle I would not owe anything. The balance on my repost shows that I do not owe. It should no longer be on my report at all.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: CO

Complaint narrative:
On XX/XX/XXXX, I initiated a transfer of {$810.00} from my Robinhood account to my linked bank account. I was informed that the transfer would take XXXX business days. 
It has now been over XXXX weeks, and the funds have still not been received. I have contacted Robinhood XXXX times, and each time they claimed the transfer was completed and advised me to check with my bank. 
My bank confirmed that no transfer was ever received and that there is no record of any transaction from Robinhood. I provided this information to Robinhood, and they requested my bank account statement. I sent the statement showing no deposit, yet Robinhood responded that there was nothing more they could do.

At this point, my {$810.00} is missing. I am requesting that Robinhood either :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Consumer Complaint to the CFPB XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Complaint Summary I am filing this complaint regarding inaccurate credit reporting by XXXX XXXX XXXX and XXXX failure to properly verify an account after receiving my certified written dispute. Despite reporting an active balance, the company responded in writing that it can not locate the account in its system, yet the account remains on my credit reports. I am requesting removal of this account. 

Detailed Statement On XX/XX/year>, I sent XXXX XXXX XXXX XXXX XXXX letter disputing an account they are reporting on my credit file. I requested verification and documentation under the Fair Credit Reporting Act ( FCRA ). 

In response, XXXX XXXX XXXX XXXX XXXX a letter stating that they can not find or locate the account in their records. This response confirms that XXXX XXXX XXXX XXXX not have the ability to verify the accuracy, balance, or status of the account they are furnishing to the credit bureaus. 

Despite admitting that they can not locate the account, the account continues to be reported with a balance of {$10000.00}. 

Violations and Legal Concerns I believe XXXX XXXX XXXX XXXX XXXX violation of federal law, including : FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishers may not provide information to a consumer reporting agency if they know or have reasonable cause to believe the information is inaccurate.

FCRA 15 U.S.C. 1681s-2 ( b ) Upon receiving a dispute, a furnisher must conduct a reasonable investigation and must correct or delete information that can not be verified.

FCRA 15 U.S.C. 1681i ( a ) ( 5 ) Information that is inaccurate or can not be verified must be deleted.

12 C.F.R. 1022.43 ( a ) ( 2 ) Requires investigation of disputes related to account terms, balances, and payment status. 

Continuing to report an account while simultaneously stating it can not be located demonstrates that no reasonable investigation could have been performed and that the information is unverifiable.

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 2025-12-18 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: NC

Complaint narrative:
I sent a police report, FTC report and my license to Experian, TransUnion, and equifax. I am filing this myself. I am a victim of identity theft.

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 2025-12-18 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: NC

Complaint narrative:
I sent a police report, FTC report and my license to Experian, TransUnion, and equifax. I am filing this myself. I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: NC

Complaint narrative:
I am submitting this complaint because my credit report contains multiple inaccuracies that misrepresent my financial history, including incorrect addresses, account balances, and reporting dates, and I am seeking a fair resolution under the Fair Credit Reporting Act ( FCRA ). My report lists several addresses, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; and XXXX XXXX XXXX XXXX XXXX XXXX XXXX which are either outdated, incorrect, or not associated with me. In addition, multiple accounts are reporting inaccurate balances or activity, including XXXX XXXX XXXX XXXX  ( {$0.00} ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( {$0.00} ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( {$1200.00} ), XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( {$530.00} ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( {$3500.00} ), XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$46.00} ), XXXX XXXX XXXX XXXX XXXX XXXX  ( {$1500.00} ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( {$1200.00} ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( {$49.00} ), XXXX XXXX XXXX XXXX XXXX XXXX  ( {$3300.00} ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$480.00} ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$880.00} ), and XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$790.00} ), among others, all of which may contain inaccurate balances, payment histories, or reporting dates. Furthermore, inquiries and account openings reported from 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 , and other entities between XX/XX/XXXX and XX/XX/XXXX appear to be incorrectly reported, unverifiable, or associated with accounts I did not authorize. These errors not only distort my credit profile but also pose risks to my financial reputation and ability to obtain credit. Under FCRA 607 ( b ), 611, 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 2 ), 605 ( a ), 609, 602 ( a ), and 604 ( a ), I am entitled to a credit report that is accurate, complete, and verifiable, and I am formally requesting that the credit reporting agency and all furnishers conduct a full reinvestigation, provide all documentation used to support the reporting of these accounts and inquiries, correct or remove any inaccurate or unverifiable information, and provide written confirmation of all actions taken to restore the accuracy and integrity of my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: NC

Complaint narrative:
I am submitting this complaint because my credit report contains multiple inaccuracies that misrepresent my financial history, including incorrect addresses, account balances, and reporting dates, and I am seeking a fair resolution under the Fair Credit Reporting Act ( FCRA ). My report lists several addresses, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; and XXXX XXXX XXXX XXXX XXXX XXXX XXXX which are either outdated, incorrect, or not associated with me. In addition, multiple accounts are reporting inaccurate balances or activity, including XXXX XXXX XXXX XXXX  ( {$0.00} ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( {$0.00} ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( {$1200.00} ), XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( {$530.00} ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( {$3500.00} ), XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$46.00} ), XXXX XXXX XXXX XXXX XXXX XXXX  ( {$1500.00} ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( {$1200.00} ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( {$49.00} ), XXXX XXXX XXXX XXXX XXXX XXXX  ( {$3300.00} ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$480.00} ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$880.00} ), and XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$790.00} ), among others, all of which may contain inaccurate balances, payment histories, or reporting dates. Furthermore, inquiries and account openings reported from 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 , and other entities between XX/XX/XXXX and XX/XX/XXXX appear to be incorrectly reported, unverifiable, or associated with accounts I did not authorize. These errors not only distort my credit profile but also pose risks to my financial reputation and ability to obtain credit. Under FCRA 607 ( b ), 611, 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 2 ), 605 ( a ), 609, 602 ( a ), and 604 ( a ), I am entitled to a credit report that is accurate, complete, and verifiable, and I am formally requesting that the credit reporting agency and all furnishers conduct a full reinvestigation, provide all documentation used to support the reporting of these accounts and inquiries, correct or remove any inaccurate or unverifiable information, and provide written confirmation of all actions taken to restore the accuracy and integrity of my credit file.

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 2025-12-18 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: CA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: GA

Complaint narrative:
I am disputing the accuracy of information TransUnion is reporting regarding a loan account furnished by XXXX. 

I disputed this account because I was never able to access or manage it. I did not receive login credentials and could not authenticate into the account to view balances, statements, due dates, or payment options. 

Despite this access failure, the account was reported with negative information. I disputed the account through TransUnion, requesting that the furnisher validate the account and explain how I was expected to manage it without access. 

TransUnion closed the dispute relying on the furnishers response. The materials provided consisted of transaction data and an application audit trail, but did not show that login credentials were delivered to me or that I ever successfully accessed or controlled the account. 

TransUnion failed to ensure the accuracy and completeness of the information being reported and relied on incomplete verification from the furnisher. I believe TransUnion did not conduct a reasonable reinvestigation as required under the Fair Credit Reporting Act. 

I am requesting that TransUnion correct or delete this account unless the furnisher can demonstrate that I was provided meaningful access to manage the account.

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