vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-24 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: MS

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

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 2025-10-24 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: MS

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

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 2025-10-24 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am issuing this formal and final demand for the immediate deletion of all fraudulent, inaccurate, unauthorized, and damaging accounts, inquiries, and public records from my credit file. These items are the direct result of identity theft and are being reported in violation of the Fair Credit Reporting Act ( FCRA ). Under FCRA 605B, 607 ( b ), and 611 ( a ), you are legally obligated to block and delete all fraudulent or unverifiable information within four ( 4 ) business days of receiving my FTC Identity Theft Report and supporting documents. Any delay, negligence, or continued reporting of this false information will be considered willful noncompliance and a serious violation of federal law. Be advised that I will pursue legal action under FCRA 616 and 617 for statutory, actual, and punitive damages. This is your final warning delete all fraudulent and inaccurate data immediately or face legal consequences.

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 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In XXXX I was insured by XXXX XXXX. My vehicle was stolen and totaled ; XXXX paid the lien and issued a settlement check. Afterward, XXXX refused renewal and a balance of {$1400.00} was sent to XXXX XXXX XXXX. This is not a credit account and no credit was extended. Reporting it as a collection violates 15 U.S.C. 1681b ( no permissible purpose ) and 1692e ( false representation of debt ). Despite my disputes to the bureaus and XXXX, no validation or signed contract was produced. I request deletion of this tradeline and CFPB review for illegal furnishing of non-credit information.

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 2025-10-24 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 Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-24 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: TN

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

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 2025-10-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Moore Law Group
State: CA

Complaint narrative:
I was not properly served and not in person. I have moved and not in my previous address for the last 5 months. This is a debt that was charged off XX/XX/year> and a 1099C was not issued to cancel the debt. A purchase agreement was not provided by the debt purchaser : The moore group law group.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it 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 explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Subject : Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) all fraudulent inquiries in this complaint be DELETED immediately.

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C.

1681c-2 and to formally request the blocking of this erroneous data.

Enclosed is a copy of my XXXX XXXX XXXX XXXX XXXX XXXX  complaint as evidence supporting my identity theft claim.

As per 15 U.S.C. 1681c-2, upon submission of an identity theft complaint by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days.

The following information on my credit report is the result of identity theft and should be blocked : Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of you receiving this complaint.

These fraudulent, inaccurate, and unauthorized credit inquiries have appeared on my consumer FICO credit report without my consent. 
I have attached copies of the inquiries in question as well as a copy of the consumer credit report maintained by your agency showing the fraudulent entries. 
REMOVE IMMEDIATELY PLEASE THESE INQUIRIES. 
I do not recognize the aforementioned inquiries as authorized by me. 
These inquiries were not initiated, requested, or approved by me. They are the result of identity theft and unauthorized access to my credit file. 
I did not authorize the sharing of my non-public personal information or consent to its use for credit applications. 
Reporting or accessing my file without my written consent violates 15 U.S.C. 1681b ( Permissible Purposes ) and infringes upon my privacy rights under 15 U.S.C. 1681a ( 4 ).

These inquiries must be blocked or deleted immediately from my consumer credit report, under FCRA 605B. 
I am writing to notify you that I have fallen prey to identity theft. 
I have reached out to the XXXX XXXX XXXX XXXX XXXX XXXX and lodged a complaint, which is enclosed for your reference. 
My credit report contains fraudulent inquiries that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified Mail. 
In addition, I request the immediate removal of the unauthorized inquiries from my credit report. 

Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXXXXXX

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 2025-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I had a credit card account with Synchrony Bank for their XXXX XXXX. The account was set to autopay each month. On XX/XX/year>, I received an email at XXXX XXXX XXXX stating that I had cancelled autopay. I had not edit any autopay settings so I immediately went to my online account and ensured autopay was turned on. I then called Synchrony Bank customer service who ensured everything was okay, that my autopay was indeed processing, and that if I wished I could make another payment to be safe ( it would have simply applied to my new balance ). I specifically asked that if the autopay did not process, would I incur any late fees or interest charges and the customer service agent specifically said no. Furthermore, I called XXXX customer support and they ensured everything was being processed correctly. I even contacted XXXX XXXX  XXXX which was the bank that the autopay was set up through and they ensured there was no stop payment or other existing blocks against Synchrony Bank or XXXX. Then I received another email the following day on XX/XX/year> roughly 2 hours after resetting my autopay saying my autopay was again cancelled by Synchrony Bank. I was then charged a late fee which I was able to call and get reversed. However, they then sent a letter in in the mail dated XX/XX/year> stating that they had closed my account due to " high risk of failure to pay. '' When I called customer service again on XX/XX/year> after noticing the interest charges of {$19.00}, they told me they could not reverse the rolling interest charges since the payment was late even though Synchrony Bank cancelled my autopay and I was assured that I would not be subject to late fees/interest charges. Furthermore, once Synchrony Bank cancelled my account, they forfeited my cashback. I am requesting a reversal of the interest charges and the transfer of any cashback dollars transferred to my XXXX 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 monetary relief
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to express my deep disappointment upon discovering a bankruptcy entry in my credit report. After careful examination, it has become evident that this entry does not correspond to any actions or decisions made by me. As a diligent and responsible individual, maintaining a positive credit history has always been a top priority. Therefore, encountering such a significant error is not only concerning but also distressing. Please keep me informed of the steps taken to address this issue and provide updates on the progress of the dispute resolution process. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: MI

Complaint narrative:
I dropped my card and someone spent XXXX Which was all my money I dont have much evidence because how am I supposed to get it my card was stolen and spent at XXXX I realized at midnight when I got a message saying my money was spent I checked my wallet and my card was gone and now my account is empty it was drained cash app support is saying I made the purchase or someone I knew but I never did my card was stolen they wont refund me its very frustrating because I know I didnt make that purchase if someone I knew or me did it XXXX would I report my card stolen

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: NJ

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FRAUDULENT INQUIRIES : XXXX - XX/XX/XXXX XXXX DEPARTMENT OF EDU - XX/XX/XXXX XXXX DEPARTMENT OF EDU - XX/XX/XXXXXXXX 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 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This letter serves as my formal dispute regarding the reporting of one or more collection accounts appearing on my credit report. I am exercising my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ).

The reported collection accounts are inaccurate, incomplete, and unverifiable. No original signed contract, itemized statement, or verifiable proof of ownership has been provided to substantiate this alleged debt or its continued reporting. Reporting unverifiable information violates FCRA 1681i ( Reinvestigation of disputed information ) and 1681e ( b ) ( Accuracy of 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 explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I disputed several collection accounts with all three credit bureaus.

One bureau has already deleted the same account after the furnisher failed to validate it.

However, TransUnion continues to report it despite receiving the same disputes and supporting documents. I requested full validation, including proof of ownership, an itemized account breakdown, and confirmation tha
t the debt is enforceable under New Yorks 3-year statute of limitations.

The collector only sent duplicate or incomplete statements, which do not satisfy FDCPA or FCRA requirements. This results in inaccurate and inconsistent credit reporting under FCRA 611 and 623.

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 2025-10-24 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: SC

Complaint narrative:
I am writing to file a formal complaint regarding several serious inaccuracies that are currently being reported on my credit file. These errors are negatively impacting my creditworthiness and must be immediately investigated and corrected in compliance with the Fair Credit Reporting Act ( FCRA ).

First, my credit report is listing two addresses that are completely incorrect and do not belong to me : XXXX XXXX XXXX XXXX XXXX, SC XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX. I have never lived at, received mail from, or been associated with these addresses in any capacity. Their presence on my report is highly concerning and raises potential identity and reporting integrity issues.

Second, there are account reporting discrepancies that need immediate review and verification : XXXX XXXX XXXX  ( SS # XXXX ) Date opened : XX/XX/XXXX, Original balance : {$1000.00}, is reporting a late payment. I dispute this information as inaccurate and request full documentation verifying this alleged delinquency. 

XXXX XXXX XXXX ( Acct # XXXX ) Date opened : XX/XX/XXXX, High balance : {$3000.00}, is being reported as a charge-off. I have no record or valid documentation supporting this status and request immediate verification and correction. 

XXXX XXXX XXXX ( Acct # XXXX ) Date opened : XX/XX/XXXX, Balance : {$40000.00}, is being reported inaccurately. I request validation of this account and the source of this data. 

XXXX XXXX  A recent credit inquiry dated XX/XX/XXXX, appears without my authorization. I dispute this inquiry and request it be removed immediately unless verifiable consent can be provided. 

These reporting errors have caused significant harm to my credit profile and financial standing. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to accurate and verifiable credit reporting. I demand that each disputed item be fully investigated, verified with supporting documentation, or promptly deleted from my credit file if validation can not be provided within the legal timeframe.

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 2025-10-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Dear CFPB, I am submitting this follow-up statement regarding my prior complaint against Citibank N.A . ( case # XXXX ). 

My Citibank XXXX Savings Account was closed in early XXXX. Since receiving the account closure notice in XX/XX/XXXX, I have been unable to log into Citibanks online banking system and can not view my statements or account activities. Despite multiple phone calls to Citibanks customer service, I have not received any records showing my account balance, transactions, or interest accrued during the closure period.

I believe I am entitled to access this information and that Citibank should be required to provide a full transaction history for the period from XX/XX/XXXX through XX/XX/XXXX, when the account was restricted and eventually closed.

This lack of transparency has caused serious confusion and concern about whether Citibank properly handled my funds and interest during the closure process.

I respectfully request that the CFPB direct Citibank N.A. to : 1 Provide the complete account transaction history and balance details for my closed account covering XX/XX/XXXX XX/XX/XXXX ; and 2 Confirm whether interest was properly calculated and credited for that period.

Thank you for your continued assistance and oversight in ensuring fair banking practices. 

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 2025-10-24 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: TX

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 there 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