vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-15 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: WA

Complaint narrative:
I am writing to dispute inaccurate personal information currently listed on my credit report. Upon reviewing my report, I found incorrect details under my personal profile, such as outdated or unfamiliar names, addresses, phone numbers, and/or employment history. 
I have not used or been associated with some of the information listed, and the presence of these inaccuracies could result in misidentification, confusion with other individuals, or even potential fraud. I have already submitted requests for correction and provided documents to verify my true and current information, yet the errors remain unresolved. 
These inaccuracies are not only misleading but could also impact future credit decisions. Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that all personal information in my credit report is accurate and up to date.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
In XX/XX/year>, I discovered that my Experian credit monitoring account ( paid subscription ) had been accessed or altered using contact information that was not mine. The account showed an email in the format XXXX XXXX XXXX XXXX XXXX and a phone number that did not match mine. Experian has confirmed this information existed in my account records but has refused to disclose the full email or phone number, and has not explained how these identifiers were used to authenticate access to my account. 

This appears to be a failure of their identity verification procedures, allowing an unauthorized person to access or control my account. I am requesting that Experian provide : 1. The complete email and phone number used in the authentication process. 
2. An explanation of how these credentials were accepted as verifying my identity. 
3. Documentation of any actions taken in the account while these incorrect identifiers were associated. 

This matter involves a serious security failure in a paid identity protection service, and I believe it violates my rights under the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Self Financial Inc.
State: IL

Complaint narrative:
Self Financial , Inc. 
Attn : Disputes Department XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute of Inaccurate Credit Reporting Self Account To Whom It May Concern, I am writing in response to your recent letter regarding my credit bureau dispute for my Self account. I want to make it clear that this dispute was initiated by me personally and is not the result of a credit repair organization. I have the right under the Fair Credit Reporting Act ( FCRA ) to dispute inaccurate, incomplete, or unverifiable information on my credit report.

1. Account Information : Self Account Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Telephone : XXXX XXXX. Basis for Dispute : The Self account is reporting inaccurate information on my credit file. Specifically, [ multiple inaccurate late payments being reported ]. This reporting is incorrect and harmful to my creditworthiness. 

Under the FCRA, you are required to conduct a reasonable investigation and correct or delete any information found to be inaccurate or unverifiable. I request that you investigate this matter and provide written confirmation of the results of your investigation. 

Please note that I am keeping detailed records of all correspondence and documentation related to this matter. If you do not respond within the timeframe required by the FCRA, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
On XX/XX/XXXX, VENMO allowed XXXX transactions of {$52.00} each to be processed from account. I informed ( VENMO ) them that I requested that the company ( XXXX  ) cancel my membership and stop future payments. XXXX did not and charged XXXX additional months. Since that time, I informed them that I was filing a complaint against them and they attempted to offer me a cancelation window and free time. Venmo denied my initial request for repayment after their investigation. I immediately appealed i believe on the XX/XX/XXXX or XX/XX/XXXX. I also informed them that I was filing this report with the CFPB. They had previously provided a temporary credit and after the investigation, they froze my account in an attempt to reclaim the credit. 

My whole point is that XXXX TRANSACTIONS OF THE EXACT SAME AMOUNT should have been flagged as a DUPLICATE TRANSACTION and not processed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I was not notified of the verification reasons for the investigation of my prior dispute. I submitted identification, FTC Report stating that I never opened those disputed accounts. I was not notified 5 days before the reinsertion of those accounts under FCRA LAW after they were confirmed as deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: CA

Complaint narrative:
I have been banking with this bank about a year and it's horrible. Their practices don't seem above board and they can not answer questions you have about your account and safeguarding your money. You get multiple answers from employees from inbranch, customer service and supervisors. I have been charged fees and recently missing money from XXXX and charges they can't explain. They will periodically turn off my card when they suspect " fraud '' when I'm trying to buy a {$5.00} coffee, yet let hundreds of dollars go through on charges in a different state I'm not even in and then get hit with overdraft charges. One time even told the charge would be reversed which she did and then charged me another fee right after on a positive balance stating that the charge came through before deposit, yet time stamp and dates said otherwise.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Request to Remove Inaccurate Credit Information To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( s ) that contain inaccuracies : 1. The status is incorrect for the following account XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove this inaccurate information from my credit report. 


In accordance with the Fair Credit Reporting Act, I hereby request that you conduct an investigation into these items and remove them from my credit report. It is my understanding that you are required to verify this information with the respective creditor. Any information that can not be verified by the creditor should be promptly deleted from my report. I am aware that, as per 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receiving this letter. 

Please also send an updated copy of my credit report to the address provided above. According to the act, there should be no charge for this updated report. Additionally, I kindly ask that you send correction notices to any parties who have received my credit report in the past six months. 

Thank you for your attention and assistance in resolving this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an a dequate response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Subject : Complaint Regarding Misleading and Potentially Predatory Loan Practices XXXX XXXX Synchrony Bank Financing Account Ending : XXXX To Whom It May Concern, I am filing this complaint to report what I believe to be a misleading and potentially predatory lending practice associated with an 18-month interest-free financing agreement for a furniture purchase made at XXXX. 

I entered into this financing agreement with the understanding that I would make regular payments within the 18-month promotional period to avoid interest charges. I set up automatic monthly payments from my bank account to ensure timely payment and to meet the terms of the agreement.

However, the following issues occurred : Lack of Notification at End of Promotional Period : I received no mailed or emailed notification that the 18-month interest-free period was ending, nor any reminder to pay the remaining balance in full before interest would be applied.

Continued Deductions and Overpayment : After the promotional period ended, the finance company continued to withdraw payments via autopaywithout notifying me that I had already satisfied the principal. When I manually checked my account, I realized I had overpaid. Upon paying off what I thought was the remaining balance, I was informed that I had in fact paid more than what was owed. 

Transparency and Oversight Concerns : The absence of notice, combined with continued deductions after the loan was paid, demonstrates a serious lack of transparency and oversight. This could cause financial harm to customers, particularly those who rely on autopay for convenience and compliance with loan terms. 

I consider this practice to be misleading and potentially predatory. I am requesting the following : A full refund of the overpaid amount A detailed written explanation of how this occurred Information on what safeguards will be implemented to prevent similar issues from affecting other consumers If unresolved, I believe this matter could warrant further investigation into the lenders compliance with truth-in-lending and fair lending laws. 

My Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Phone : ( XXXX XXXX XXXX Email : XXXX Account Ending XXXX XXXX  Thank you for your attention to this matter. 

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

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under XXXX, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a XXXX grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under XXXX U.S.C. XXXX ( a ) ( XXXX ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


XXXX U.S. Code XXXX outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 


XXXX U.S. Code $ XXXX a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 

XXXX U.S. Code XXXX Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
The presence of this late payment on my account is concerning, as I have consistently paid on time. This inaccuracy is causing undue frustration, and I urge you to correct it by removing the erroneous mark as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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