vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-21 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: CA

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Experian and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 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 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 2025-05-21 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:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the XXXX  data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

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 2025-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Opened a CareCredit Card through Synchrony Bank for a XXXX XXXX that cost approximately {$2200.00} last XXXXThe company gave me an 12 month period to pay off the amount interest free. Unfortunately interest payments began to be tacked on to the account every month including a {$700.00} interest amount applied in XXXX. I continued to make extra payments but then another {$800.00} interest charge was applied in XXXX. At this point I called the company to seek answers and was told my promotion period had ended but if I paid {$1600.00} which would cover the amount of the procedure, the interest applied would be removed and I would have a XXXX balance. I paid the amount on XX/XX/year>. The interest has not been removed and I have been given a new bill solely on interest charges of {$70.00} for this month. I did contact the XXXX but they have yet to receive contact from Synchrony Bank. Synchrony did remove - {$780.00} on XX/XX/XXXX but did not remove the full amount as promised on XX/XX/scrub>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 monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am submitting a formal complaint regarding inaccurate reporting of a bankruptcy by TransUnion. As of XX/XX/year>, both XXXX XXXX XXXX have removed the bankruptcy from my credit reports after I submitted disputes and they were unable to verify the information. However, TransUnion continues to report this bankruptcy, despite no longer having a valid or consistent basis to do so. 
I contacted the court directly, and they confirmed they do not report to credit bureaus, which makes it impossible for any bureau to verify the bankruptcy directly through official sources. 
Under the Fair Credit Reporting Act ( FCRA ), credit information must be accurate, verifiable, and consistent across agencies. Since XXXX XXXX XXXX have removed the bankruptcy due to unverifiability, TransUnion 's continued reporting is now both inaccurate and misleading. 
I submitted a dispute to TransUnion, requesting removal based on the inaccuracy and inconsistency. As of today, they have failed to remove the record or provide adequate verification. 
I am requesting that the CFPB intervene to compel TransUnion to remove this unverifiable and inaccurate bankruptcy from my credit file immediately.

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 2025-05-21 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: OH

Complaint narrative:
I am writing to formally dispute and demand the immediate deletion of unauthorized hard inquiries listed on my Equifax credit report. These entries were made without my knowledge, consent, or any initiated transaction on my part. I have not applied for credit or authorized any third party, including a dealership, to access my credit file on the dates indicated. 

Disputed Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These inquiries are unlawful and misrepresent my actual credit-seeking behavior. The appearance of these entries constitutes a violation of federal law, specifically the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Legal Grounds for My Dispute Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681b Prohibits inquiries without a permissible purpose 15 U.S.C. 1681e ( b ) Requires maximum possible accuracy in consumer reporting 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishers must not report false or inaccurate data Fair Debt Collection Practices Act ( FDCPA ) : 15 U.S.C. 1692c Bars communication without prior consent 15 U.S.C. 1692g ( a ) Requires written notice of any debt 15 U.S.C. 1692b ( 2 ) Restricts improper disclosure of information to third parties My Formal Demands In light of the above, I demand that Equifax take the following actions within 10 calendar days : Delete all the above unauthorized hard inquiries from my credit file ; Provide copies of signed authorizations for each inquiry listed ; Submit documentation proving a permissible purpose for pulling my credit ; Show evidence of any account application or transaction tied to my name that justifies these pulls.

Final Notice of Enforcement Failure to comply may result in legal action pursuant to 15 U.S.C. 1692k, including but not limited to actual and statutory damages. In addition : I am not obligated to submit a Power of Attorney to enforce my consumer rights ; Generic responses or stall tactics will be treated as bad-faith non-compliance ; I will escalate this matter by filing formal complaints with the CFPB, FTC, and my State Attorney General.

Any delay, failure to investigate, or refusal to act will be considered a willful violation under 15 U.S.C. 1681n.

Please consider this a final opportunity to correct these inaccuracies before I pursue additional remedies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am reaching out to file a formal complaint regarding the mishandling of my business account, which has now severely disrupted my operations. 

On XX/XX/XXXX at XXXXXXXX XXXX I received an email requesting verification of my identity for my Chase Business account. I was contacted by phone at XXXX XXXX the same day, during which I completed the verification process. I was told everything was in order and that my business account would appear within 24 hours. 

It is now XX/XX/XXXX, and the account has yet to appear. Concerned, I called to follow up and was informed that my account had been closed without explanation. I was then told that I would need to start the entire process from scratch, reapplying in person at a branch. 

When I asked who I could speak to regarding reopening the account or escalating the issue, I was told that no one was available to help. I was refused a point of contact or any further assistance, which I find to be completely unprofessional and unacceptable for a business banking experience. 

This situation has caused a major disruption to my business. I rely on a business account to deposit checks, manage expenses, and pay my employees. The lack of communication, transparency, and accountability from Chase Business has created unnecessary stress and operational delays.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NV

Complaint narrative:
There are 2 accounts reporting on the credit report. You can see the accounts in the attachment, can your company please answer the following information for both accounts Date Opened : Date Closed : Date account sold ( if applicable ) : Date Charged-Off : Date of First Delinquency : Date of Last Payment : Balance :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: SC

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution proces : was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: GA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please delete these from my report as they are hurting my ability to obtain credit

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 2025-05-21 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-05-21 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I created a dispute with Experian on XX/XX/2025 about XXXX  closing my paid account but reporting it XXXX  days late on the last month owed, which was incorrect. They said that they verified the information the next day and it remains. I havent ever been XXXX  days late when it comes out of my account automatically.

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 2025-05-21 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: FL

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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.

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 2025-05-21 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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.

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX, I received an official discharge letter from Nelnet, stating that 100 % of my federal student loans were forgiven under the XXXX XXXX XXXX XXXX XXXX XXXXXXXX to Repayment program. The letter clearly confirmed full loan discharge and stated that Nelnet would notify all three nationwide credit bureaus XXXX XXXX XXXX XXXX  within 45 days to update or remove the associated tradelines. 

As of today, all three credit bureaus continue to report two Department of Education/Nelnet accounts as XXXX XXXX XXXX XXXX XXXX balances of {$6500.00} and {$4300.00}. These accounts are listed as XXXX XXXX XXXX XXXX with a repayment start date in XX/XX/XXXX directly contradicting the discharge letter. This ongoing inaccurate reporting violates federal law and is harming my credit profile. 

I have already disputed the inaccurate data with all three credit bureaus and provided the discharge documentation, but the accounts remain unchanged. The credit bureaus indicate that they rely on the data furnished by Nelnet and the Department of Education, which suggests a failure on the servicers part to properly update or push revised data to the CRAs. 

I am asking the CFPB to ensure that Nelnet and the Department of Education follow through on their obligation to : Notify the CRAs of the discharge Correct or remove the accounts as required by the Fair Credit Reporting Act ( FCRA ) and Metro 2 credit reporting guidelines The information being reported is both outdated and harmful, and I have provided documentation to support this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate 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 non-monetary relief
Consumer complaint received 2025-05-21 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: FL

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: NM

Complaint narrative:
Family home, not owned by me has received several US Mail packets for a debt that I do not own, I do have an Identity Theft on file with all 3 credit bureaus. Company threatening via mail is : Resurgent Capital Services representing LVNV Funding LLV and Cach , LLC Resurgent Capital Services XXXX XXXX XXXX XXXX, MI XXXX

Company response to consumer: Closed with non-monetary relief