vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-26 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: NC

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-09-26 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: RI

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2025-09-26 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5700.00} XXXXXXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5300.00} XXXXXXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$10000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
Two years ago or more I was contacted by Synchrony Bank regarding an outstanding balance. Synchrony Bank is now suing me for non-payment of this balance. The amount being reported and pursued is for an account I had with PayPal. I believe this balance is incorrect and does not belong to me, as it comes from transactions I did not authorize. I have not agreed to pay this balance and have repeatedly disputed it with Synchrony Bank. Despite my objections, they have continued to report the balance and have initiated legal action against me. I am requesting the CFPBs assistance to investigate this matter and resolve the dispute. 

Current balance in dispute : {$2.00}, XXXX Date served with lawsuit : XX/XX/year>XXXX  Actions Taken : Contacted Synchrony Bank to dispute the balance and explain my position. 

Informed them that the balance is related to unauthorized transactions. 

Received no resolution and continued to face collection action and legal proceedings.

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 2025-09-26 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I enrolled in Chases credit card payment program after experiencing financial hardship. At enrollment, Chase did not clearly explain how payments would be applied under this program. Specifically, they failed to disclose that changing my due date would trigger my account to be reported as 31 days past due, even though I made payments in good faith and believed I was following their instructions. 

I was led to believe the program was designed to help me catch up and remain current, but instead, the lack of transparency caused a late payment mark to be reported on my credit file. This has negatively impacted my credit score and overall financial standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NV

Complaint narrative:
When I took the solar loan, I was told that I had the option to put my tax credit towards the loan. I opted to re-invest it into the house. When I went to sell the house, I was told it was only optional unless I wanted to sell my house. This was not disclosed to me until I wanted to sell my house. Even 2 weeks prior, I was told that it was optional. The company forced me to pay {$10000.00} for the optional payment before I could close.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation
State: IL

Complaint narrative:
On XX/XX/year>, I applied for a loan with OneMain Financial. That same day, a representative told me I was approved and that I would receive my funds by the next day, XX/XX/XXXX. 

Based on this assurance, I relied on the promise of funding and began planning my finances accordingly. On XX/XX/year>, I was instead contacted and told that my application was denied due to my participation with a debt consolidation company, which they claimed violated OneMains internal policy. 

While a lender has the right to deny an application based on policy, it is misrepresentation to first state clearly that a consumer is approved and that funding will occur the next day. This caused me financial distress, wasted time, and a hard inquiry on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
there's 3 credit cards that was placed on my credit report while I was away in the XXXX  and I didn't authorize these accounts.

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 2025-09-26 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: MI

Complaint narrative:
All three credit bureaus ( Experian, TransUnion, Equifax ) are reporting a XXXX  XXXX bankruptcy ( filed XX/XX/year> ). I disputed this record with each bureau, but they continue to report it as verified. 

The bankruptcy court does not furnish or verify information directly with the credit bureaus. Instead, the bureaus rely on third-party vendors such as XXXX and XXXX. However, my XXXX file is frozen, making it impossible for the bureaus to verify this record. 

Despite this, all three bureaus have marked the bankruptcy as verified. This is inaccurate, unverifiable, and a violation of FCRA 607 ( b ) ( maximum possible accuracy ) and 611 ( failure to properly investigate 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 2025-09-26 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: MI

Complaint narrative:
Dear Equifax 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 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: NC

Complaint narrative:
I am filing this formal complaint against Equifax for willful violations of the Fair Credit Reporting Act ( FCRA ), specifically 605B and 611, due to its failure to block fraudulent accounts after I submitted all required documentation on XX/XX/XXXX, including a valid identity theft affidavit, government-issued ID, proof of address, and evidence linking my data to the Equifax breach . Despite clear obligations under 605B to block the accounts within four business days, Equifax ignored the law and instead responded with a generic verified as accurate notice, without disclosing the source or method of verificationviolating 611s mandate for a reasonable reinvestigation. This conduct mirrors the unlawful practices condemned in XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX, where courts ruled that automated verifications and failure to properly investigate consumer disputes constitute noncompliance. The CFPBs XXXX Bulletin further warns against these systemic failures. I demand immediate deletion of the fraudulent items, written disclosure of the verification sources used, and confirmation that this dispute has been manually reviewed as required by law. Continued noncompliance may result in legal action under 1681n for willful violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: FL

Complaint narrative:
My XXXX  son, XXXX XXXX, had a Cash App account that I, XXXX XXXX, sponsored. He lost access to the phone associated with the account and no longer remembers the email or phone number attached. We have been trying to regain access through Cash App support. 

Cash App has given us conflicting instructions : First, they told my son to create a new account and said the sponsor could authorize transferring the funds. 
When I, as the sponsor, attempted this, I was told I do not have authority. 
When my son tried again, he was told only the sponsor could do it. 
Now they are telling us that neither option is possible. 

This has left my son locked out of his account and unable to access {$70.00} that belongs to him. Cash App has not provided a clear resolution or consistent information. 

Resolution I am seeking : I want Cash App to ( 1 ) verify my sons identity using available information, and ( 2 ) either restore access to his account or transfer the funds into his new Cash App account ( which has updated and verifiable contact information ).

Supporting details : Name of account holder ( XXXX  ) : XXXX XXXX Sponsors name : XXXX XXXX Approximate balance : {$70.00} Linked card : ending in XXXX  Date issue began : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: AL

Complaint narrative:
I do not recognize these inquiries or the creditors involved. Kindly delete them from my credit history at once.I did not initiate these credit inquiries and have no ties to the listed entities. I request their immediate deletion 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 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am formally disputing the late payment currently listed under my account. After carefully reviewing my records, I have verified that all payments were submitted on time. The presence of this inaccurate reporting is unjustified and harmful to my creditworthiness. 

.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
XXXX has been paid off in full since XXXX  but title was never received. Contacted XXXX XXXX for clean title and they stated vehicle does not exist. Took all records of sell, payments, and death certificate of husband to obtain title from DMV and they stated XXXX never released the lien. Sent all paperwork back to XXXX XXXX  as instructed from DMV and XXXX returned with a sticky note saying vehicle does not exist. Need assistance in obtaining a clean title so truck may be sold.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 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: OK

Complaint narrative:
Complaint Type : Payment Services / Payment Processor Account Closure & Withheld Funds Complaint Summary : Square closed my account without explanation and is withholding {$310.00} in customer payments. 

Complaint Details : I opened a Square account on XX/XX/year>XXXX  to process payments for my business. Between XX/XX/XXXX and XX/XX/XXXX, I processed six legitimate transactions, totaling {$310.00}. 

On XX/XX/year>, XXXX suddenly closed my account without notice. I was not provided a reason for the account termination and was informed that my funds would not be released. I have contacted Square multiple times asking for clarification, but I have received no explanation, no review process, and no timeline for the release of my funds. 

This is causing financial harm to my business, as the funds represent completed customer transactions for which I am still responsible. I believe this is an unfair business practice because : I was not informed of any violations or given the opportunity to correct them. 

Square is withholding my funds indefinitely without a stated reason or timeline.

I have received no communication that justifies the withholding under Squares own terms of service. 


What I Want : 1. Immediate release of my funds ( {$310.00} ) or a documented timeline for release.

2. A clear explanation for the account closure in writing.

3. Assurance that this matter is fully reviewed and handled fairly, in accordance with consumer protection standards. 



Supporting Details : Account opened : XX/XX/year>XXXX  Account closed : XX/XX/year>XXXX  Total funds withheld : {$310.00} Number of transactions : 6 legitimate business sales I am requesting the CFPBs assistance in getting Square to provide transparency, release my funds, and stop this practice of closing accounts and withholding money without due process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
I am filing this complaint regarding Midland Credit Management ( MCM ) and their repeated, unlawful debt collection calls to my phone number. 

Midland is attempting to collect on an alleged debt owed by my mother. I am not the debtor. Despite explaining this clearly to their representatives, they continue to call me and even address me by my mothers name during these calls. This happens even after I have repeatedly stressed that I am not her and they assured me they will take my name off their calling list.

On one occasion, a representative asked me to pass along a message to my mother. These actions are harassing and, to my understanding, violate the Fair Debt Collection Practices Act ( FDCPA ) in several ways : Misidentifying me as the debtor and addressing me as such. 
Continuing to contact me despite clear notice that I am not the debtor. 
Disclosing debt-related information to a third party ( me ) after being informed of their error. 

To date, they have called me 3 times from different numbers, making the calls hard to evade : Wednesday XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  EST from XXXX ( XXXX ) XXXX Thursday XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  EST from XXXX ( XXXX ) XXXX Friday XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX EST from XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 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 am submitting this complaint against the three major credit bureausXXXX, XXXX, and TransUnionfor ongoing, systemic violations of the Fair Credit Reporting Act ( FCRA ) and failure to comply with Metro 2 Format and CDIA industry standards.

Despite submitting multiple disputes concerning inaccurate, unverifiable, and/or outdated negative items on my credit reports, the credit bureaus have consistently responded with vague verified as accurate outcomeswithout producing a single shred of documentary evidence or conducting a lawful investigation as required under 15 U.S.C. 1681i ( a ).

Instead, they rely on the deeply flawed and automated e-OSCAR system, which merely forwards dispute codes to furnishers and accepts their response without independent verification. This practice has been widely criticized by the CFPB and ruled inadequate in court.

Violations and Legal Basis : The following violations form the basis of this complaint : 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681s-2 ( b ) Furnisher failure to correct or delete disputed information Metro 2 and CDIA Guidelines Failure to comply with reporting format and data integrity standards Further, the credit bureaus use of e-OSCAR has been ruled insufficient in legal precedent : " A credit reporting agency may not rely blindly on the [ furnisher 's ] investigation. The agency has an obligation to conduct a reasonable investigation itself. '' Cushman v. Trans Union Corp., 115 F.3d 220 ( 3rd Cir. 1997 ) These harms are measurable, preventable, and attributable to willful negligence and disregard of consumer protection law. 

XXXX XXXX XXXX  Account Number XXXX Open Date XX/XX/XXXX Relief Requested : I am requesting that the Consumer Financial Protection Bureau take appropriate supervisory or enforcement action and require XXXX, XXXX, and TransUnion to : Immediately delete all negative items previously disputed that can not be verified with complete documentation Cease reporting unverifiable data and require original source validation for all disputes Re-review investigation procedures and prohibit reliance solely on e-OSCAR as a substitute for human reinvestigation Certify in writing that corrective actions have been taken and notify all furnishers and third-party users of the updated 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