vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-15 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever XXXX is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: MO

Complaint narrative:
I am writing to file a formal dispute regarding several items on my credit report. The accounts listed below have discrepancies that I believe need to be corrected in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$560.00} Late Payment : XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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 am disputing several accounts listed under TransUnion that I believe contain inaccuracies. Below are the details of these accounts in dispute : CHARGED OFF XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$150.00} XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$10000.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} INQUIRIES XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  Date : XX/XX/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 2025-12-15 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
I had a capitol one credit card over XXXX years ago. I have been making payments on this card for over XXXX years. I spent roughly {$3000.00} on this card and have asked several times to receive a statement of how much money I have paid back. The company continues to ignore my request. I have asked several times that my personal bank account not be accessed until I am provided the information. They continue to charge my bank account without my consent or authorization. This company is engaging in illegal interest rate charges and fees. They are charging interest fee on interest. They have not provided a Truth in Lending Disclosure. This is unlawful. I ask that my account be closed and all " debt '' left be thrown out. I have not used this card since 2020. There is no way I should still be paying on this. I burrowed {$3000.00} and have given back close to {$10000.00}. I would like to file a complaint and have this debt thrown out. The company should be investigated for fraud and illegal interest rates. I also would like to be given a copy of my full statement to show how much money I have paid back to the company since opening this account. I would also like it to be shown how much I borrowed. Again they do not have my authorization to charge my personal bank account. I do not wish to continue any auto pay. 

My name is XXXX XXXX account ending in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute of Inaccurate Credit Information under FCRA 15 U.S.C. 1681i Dear Experian, I am writing to formally dispute inaccurate information contained in my credit report, as provided to me by Experian. Pursuant to my rights under the * * Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i * *, I request an immediate reinvestigation of the following item ( s ) : - * * Creditor/Account Name : XXXX XXXX XXXX - * * Account Number : XXXX - * * Nature of Dispute : The account has a XXXX balance and is not delinquent. The account is closed and should not be negatively impacting your report. The account is no longer active and should be removed. The bureau is showing late payments or balance due, dispute that as inaccurate. Requesting as a good in faith of fulling paying off account that it be completely removed.

- * * 15 U.S.C. 1681i ( a ) ( 5 ) : * * Requires Experian to promptly delete or modify inaccurate, incomplete, or unverifiable information.

- * * 15 U.S.C. 1681i ( a ) ( 6 ) : * * Requires Experian to provide written notice of reinvestigation results, including a revised credit report, within 30 days.

- * * 15 U.S.C. 1681i ( b ) ( 3 ) : * * Requires Experian to include a description of the procedure used to determine accuracy, including the business name, address, and telephone number of any furnisher contacted.

1. Conduct a reinvestigation of the disputed item ( s ).

2. Delete or correct any information found to be inaccurate, incomplete, or unverifiable.

3. Provide me with written confirmation of the results, including a free updated copy of my credit report.

4. Provide a description of the procedure used in your reinvestigation. 


Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute of Inaccurate Credit Information under FCRA 15 U.S.C. 1681i Dear Experian, I am writing to formally dispute inaccurate information contained in my credit report, as provided to me by Experian. Pursuant to my rights under the * * Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i * *, I request an immediate reinvestigation of the following item ( s ) : - * * Creditor/Account Name : XXXX XXXX XXXX - * * Account Number : XXXX - * * Nature of Dispute : The account has a XXXX balance and is not delinquent. The account is closed and should not be negatively impacting your report. The account is no longer active and should be removed. The bureau is showing late payments or balance due, dispute that as inaccurate. Requesting as a good in faith of fulling paying off account that it be completely removed.

- * * 15 U.S.C. 1681i ( a ) ( 5 ) : * * Requires Experian to promptly delete or modify inaccurate, incomplete, or unverifiable information.

- * * 15 U.S.C. 1681i ( a ) ( 6 ) : * * Requires Experian to provide written notice of reinvestigation results, including a revised credit report, within 30 days.

- * * 15 U.S.C. 1681i ( b ) ( 3 ) : * * Requires Experian to include a description of the procedure used to determine accuracy, including the business name, address, and telephone number of any furnisher contacted.

1. Conduct a reinvestigation of the disputed item ( s ).

2. Delete or correct any information found to be inaccurate, incomplete, or unverifiable.

3. Provide me with written confirmation of the results, including a free updated copy of my credit report.

4. Provide a description of the procedure used in your reinvestigation. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

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 2025-12-15 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: MD

Complaint narrative:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

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 2025-12-15 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my XXXX, XXXX  & TransUnion credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Easy Finance, LLC
State: TX

Complaint narrative:
I told this company via written consent not to contact my work. I said my work is a company based in another state and I work remotely. They told me that they have written in my profile, not to contact my work. That was a lie and they still contacted my job.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: TX

Complaint narrative:
TransUnion is reporting inaccurate and misleading information regarding a XXXX account that was closed in XX/XX/year>. 
Despite the account being closed, TransUnion continues to report : A status of Closed 90 Days Past Due as of XX/XX/year> Delinquent payment history for XXXX, XXXX, and XX/XX/year>, which is impossible for a closed account Ongoing monthly balance updates and payment history, which should not occur after closure I have disputed this account three times and have repeatedly requested the Method of Verification under the Fair Credit Reporting Act. TransUnion has failed to provide the method of verification and appears to rely solely on automated systems rather than conducting a reasonable investigation, in violation of 15 U.S.C. 1681e ( b ), 1681i ( a ), and 1681i ( a ) ( 7 ).

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 2025-12-15 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Dear Sir/Madam, I am filing a dispute regarding several inaccuracies and discrepancies on my credit report as detailed below. I have identified several charged-off accounts, inquiries, and late payments that are incorrect or incomplete and are adversely affecting my credit score. I am requesting your assistance in investigating and rectifying these issues as required by the Fair Credit Reporting Act ( FCRA ). 

Inquiries : EXPERIAN XXXX XXXX XXXXXX/XX/year> Late Payments : DEPT OF ED/XXXX XXXXXXXX DEPT OF EDXXXX 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 2025-12-15 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: MD

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 2025-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I made a {$1800.00} payment, funds from my bank account were deducted. Synchrony bank has these funds and they have a hold saying in the event you cancel payment. That window to cancel payment is closed. They are simply holding the funds just because! Im in a financial hardship and had I known they were going to hold my money while they have cleared the payment I would not have made that large of a payment having other very important bills to pay! This hold is costing me hundreds of dollars in late fees on other bills! I have a photo of my bank clearing this payment as well!!

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 2025-12-15 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: CA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: NJ

Complaint narrative:
I am submitting a formal complaint regarding unauthorized transactions made through Cash App. 
These transactions were processed without my knowledge or approval at a time when I was undergoing serious medical treatment and did not have possession of my phone. Cash App then shut down my account, preventing me from accessing records needed to dispute the fraud. 
Despite providing police documentation, medical statements, and identity theft evidence, Cash App failed to investigate properly, in violation of Regulation E. They did not provide records, justification, or a fair review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: TN

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

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 2025-12-15 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: IN

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