vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-01 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: IL

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall 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.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or 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 non-monetary relief
Consumer complaint received 2025-12-01 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:
Accounts in Dispute XXXX XXXX # XXXX XX/XX/XXXX {$0.00} XXXX XXXX # XXXX XX/XX/XXXX {$0.00} XXXX XXXX # XXXX XX/XX/XXXX {$0.00} XXXX XXXX # XXXX XX/XX/XXXX {$0.00} XXXX # XXXX XX/XX/XXXX {$650.00} XXXX XXXX  # XXXX XX/XX/XXXX {$440.00} XXXX XXXX # XXXX XX/XX/XXXX {$400.00} XXXX XXXX # XXXX XX/XX/XXXX {$0.00} XXXX XXXX # XXXX XX/XX/XXXX {$770.00} XXXX XXXX # XXXX XX/XX/XXXX {$210.00} XXXX XXXX # XXXX XX/XX/XXXX {$560.00} XXXX XXXX # XXXX XX/XX/XXXX {$1200.00} Statement : Multiple discrepancies exist between TransUnion and other bureaus reporting. I request a full reinvestigation to verify each accounts balance, status, and open date. 

Inquiries XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Statement : I did not authorize these inquiries. Please confirm whether any signed or electronic consent exists for these credit pulls. If not, remove them from my file immediately. 

Late Payments XXXX XXXX # XXXX XXXX  # XXXX Statement : TransUnion is reporting late payments that I do not believe are accurate. I am requesting verification directly from the furnishers. If they can not produce documentation supporting these lates, please delete or correct the information accordingly.

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 2025-12-01 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:
I am disputing the following items on my Experian credit report : Charged-Off Accounts 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 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

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 2025-12-01 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XXXXThe following hard inquiries hit my account, and they are not me. I reached out to TransUnion who would not let me directly dispute them. I have been unable to reach and get support from either bank. They both want information from me I do not have or am unwilling to provide (eg: SSN). Please help. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXInquiry TypeXXXXIndividual\XXXXThe following address was used in association with this inquiry, and it is not mine or one I am associated with at allXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXSYNCHRONY FINANCIALXXXXXXXX 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 2025-12-01 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: OneMain Finance Corporation
State: TN

Complaint narrative:
On XX/XX/year>, the inquiry shows up on my credit report. Out beside it the name XXXX, it states it's a bank. I have had the same bank account for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
a mutualfriend was ordering drinks and bottle service at a club, his card was declined XXXX times so i paid the tab with my Wells fargo Credit card and he sent me a XXXX for the {$450.00}. he later got too drunk and lost his phone and wallet so the next morning he filed fraud claims on all his cards and accounts. after reaching out to him several times he is now holding my XXXX  account XXXX by telling me i need to pay him XXXX XXXX dollars and then he will call to have the fraud claim removed!!! 
i have gone to the club and pulled all receiptsof his card getting declined as well as proof that i paid with my card. 
I have also filed a police report which is under investigation

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 2025-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
Subject : Report of Fraudulent Credit Card Charges. 

I am a resident of the State of Maryland and am filing this report regarding several fraudulent charges made on my American Express credit card in the XXXX XXXX XXXXXXXX area between XX/XX/XXXX and XX/XX/year>. I did not authorize, initiate, or participate in any of these transactions, nor was I present in XXXX XXXX XXXX during that period. 
The unauthorized charges and their associated business addresses are as follows : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
( XXXX : {$1900.00} ) American Express identified additional suspicious transactions and reversed those charges. However, the XXXX listed above remain denied and unresolved by American Express, which has prompted me to have filed a police report with my local police station ( XXXX XXXX Police Department in XXXX  ) and this formal complaint. 

I am requesting documentation of this report for my records and for submission to American Express as part of their fraud investigation. I affirm that these transactions were made without my knowledge or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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:
I am a victim of identity theft. On XXXX XXXX XXXX XXXXXX/XX/year>, Experian confirmed that they received my FTC Identity Theft Report, my signed Identity Theft Affidavit, and all supporting identity theft documentation. Under the FCRA identity theft blocking rule ( 15 U.S.C. 1681c-2 ), Experian is required to block all fraudulent information within XXXX business days of receiving the documents. 

Based on the confirmed receipt date of XX/XX/XXXX, the legal deadline for Experian to block the fraudulent information was XXXX XXXXXX/XX/year>. Because of the XXXX holiday and the following non-working day, I allowed additional time and reasonably expected the block to be completed no later than Monday, XX/XX/year>. 

I reported XXXX fraudulent accounts in total. Experian successfully blocked and removed XXXX of them, which shows that they validated my identity theft documentation. However, Experian did NOT block the third fraudulent account, which is a XXXX XXXX XXXX auto loan. All three accounts were submitted together in the same identity theft package. 

When I contacted Experian, they told me they could not provide the exact reason why the XXXX account was not blocked. They also told me the account was placed into a normal dispute process with results expected in up to 30 days. This is incorrect and violates the FCRA, because the XXXX dispute timeline does not apply to identity theft blocking requests. The blocking requirement is XXXX business days, not XXXX. 

Because the fraudulent XXXX account remains on my credit file, my report is inaccurate. This is causing immediate financial harm as I am currently applying for a mortgage and this fraudulent account is negatively affecting my approval process. 

I am requesting CFPB assistance to ensure Experian complies with the FCRA identity theft blocking requirements.

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 2025-12-01 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: TN

Complaint narrative:
I am filing this complaint because the information listed below is being reported inaccurately by the credit bureaus. I am requesting that the Consumer Financial Protection Bureau assist in having these items investigated and corrected or removed in accordance with the Fair Credit Reporting Act. I am simply asking for fair, accurate, and verified reporting. 
XXXX. Charged-Off / Collection Accounts in Dispute The following accounts are reported inaccurately, lack proper verification, or contain inconsistent status information. I request full validation and investigation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$0.00} Experian is reporting items with questionable dates and statuses, and I request proper documentation. 

XXXX. Hard Inquiries in Dispute The following inquiries were not authorized or were pulled excessively : 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 XXXXXX/XX/XXXX I request that Experian provide proof of permissible purpose or delete the inquiries. 

XXXX. Late Payments in Dispute The following accounts show inaccurate or unverified late payments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request Experian to verify or correct these entries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: GA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b. 

I demand that the following items be deleted immediately 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 2025-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WorldRemit Corp.
State: CA

Complaint narrative:
XX/XX/XXXX of XXXX  I did a transaction on world remit transferring international app I sent the transaction of {$200.00} the money was never received by the individual on the other end and they never reimbursed me of my money till this day they still have not reimbursed me all the stated that the transaction did not follow through and they will reimburse me my money but they never did so I called customer service many times but nobody answered there is no response no nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: MO

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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 am a consumer who is currently working on improving my credit. I have identified several accounts that I believe are inaccurately reported or do not reflect the correct information. Below, I have provided details of the accounts in dispute, separated by credit bureau. 

Charged Off Accounts : 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 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 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 2025-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
On XX/XX/2025 I was attempting to send funds of {$800.00} to XXXX XXXX a merchant for repairing my HVAC system and I noticed that the payment went to a different person named XXXX XXXX XXXX That same day I contacted Cash App and informed them of the fraudulent transactions. Cash App advise that they could not reverse payment until transaction was complete and not pending. Cash App also suggested that I contact the person and ask for a refund through the application. I informed them that I didn't know the person. Cash App also suggested that I contact my bank to get a reversal. I went back onto the app and requested a refund of {$800.00} and the person declined it. I also contacted my bank XXXX XXXX  XXXX XXXX ) to let them know of the payment. XXXX  XXXX XXXX informed me that the payment was pending and that I would have to wait until payment posted to get a reversal. 

On XX/XX/2025 the payment was completed and I contacted the bank. They informed me that they would have to investigate the transaction and it could take up to XXXX  days to complete. 

On XX/XX/2025 I received a letter from XXXX  XXXX XXXX stating that Cash app said the transaction was valid and to contact Cash App for further support. I contacted Cash app on XX/XX/2025 and spoke with an agent. The agent told me that the transaction was placed back on my bank account on XX/XX/2025. I informed the agent that I did not have said funds of {$800.00} in my account and proceeded to read the bank 's statement from the letter that was sent. I was placed on hold again while they attempted to look further into the matter and Cash app came back to tell me they could not reverse the payment and to contact my bank

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: FinCo Services Inc DBA Current
State: PA

Complaint narrative:
I was charged XXXX XXXX this is the receipt id services were not performed on my vechule they lied and still charged me car still making noise I want my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: IL

Complaint narrative:
XX/XX/year> Cash App asked me to verify my identity. I went through the process of putting my information in and at the final step it asks for a photo to verify but, it doesnt let me take a photo. It pops up saying they couldnt verify my ID immediately. I proceeded to try a few more times but got the same result. I decided to contact support but got stuck going in circles doing the same thing Ive already done multiple times. I chose to call support the next day XX/XX/year> but ran into the same issue with being told to do the same thing over and over. I waited a few days and tried again XX/XX/year> but still have the same issue. My paychecks go to this account. An account I can no longer get to my money on because it doesnt let me verify and support seems to only know how to verify but not help with trouble verifying. I need to pay electric and rent and have XXXX kids under XXXX with XXXX around the corner. Im starting to get stressed out as the company seems to be unable to help an issue on their end.

Company response to consumer: Closed with explanation