vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-07 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX NY XXXX ACCOUNTS : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$320.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: MN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX MN XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX  Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agencies, 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. This fraudulent, inaccurate, and false information consists of The accounts that are included in my attachments and are seen on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
The vendor charged my credit card for {$710.00} XXXX XX/XX/year>, but the amount shown in the receipt was {$530.00}. I am unable to reach the vendor by phone, so I filed the dispute with the credit company ( Citi bank ). Citi sent me a request form for information. I filled in the form and sent it back to Citi immediately. But Citi declined my dispute for the reason " information is incomplete ''. I called Citi, first Citi said the receipt I sent to them is not clear, and second time they said the information I sent to them was overdue. I requested Citi to get charge details from the vendor, but Citi failed to do so. Even worse, Citi started charge me later fee and interest on the dispute amount.

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 2025-07-07 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: Experian Information Solutions Inc.
State: MA

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 2025-07-07 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I had a XXXX credit card through Synchrony Bank, used to finance appliance purchases under a zero-interest promotional plan. I made every payment on time and paid the balance in full as I understood it in XX/XX/year>. I believed the account was completely settled. 

On XX/XX/XXXX, I received a credit alert showing a credit score drop of over 100 points due to a reported late payment on this account. I immediately contacted XXXX and was told my final payment had posted three days after the promotional deadline, and as a result, I was charged {$8.00} in interest and late fees.

I was never informed that a balance remained no phone call, no mailed notice, just emailed statements, which I mistakenly overlooked because I thought the account was paid off. I paid the {$8.00} immediately upon learning of it. 

Despite this, XXXX refuses to remove the late mark and insists I wait 30 days for a formal investigation. When I asked for a supervisor, I was met with a dismissive attitude and told there is no one higher to escalate to. 

Ive been a responsible XXXX customer for many years and have never missed a payment across multiple accounts. Im asking for the removal of this late mark as a goodwill adjustment, given : The insignificant amount in question The clear good-faith effort I made My immediate resolution of the charge The disproportionate damage now done to my credit I am extremely disappointed in Synchronys unwillingness to work toward a reasonable resolution, and I request the CFPBs assistance in correcting this unjust and harmful situation.

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 2025-07-07 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: SD

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services, 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ACCOUNTS : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$710.00} XXXX XXXXXXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$540.00} XXXX XXXX XXXXXXXX XXXX IN - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$210.00} XXXX XXXX XXXX XXXX IN - Account Number : XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$360.00} XXXX XXXX XXXXXXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$690.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX & XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$190.00} INQUIRIES : XXXXXXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/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 2025-07-07 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: IN

Complaint narrative:
This account is being inaccurately reported on my credit file. It is showing as a collection account, but I do not recall ever opening or being associated with it. Its possible there has been a mix-up with another individual.

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 2025-07-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: OH

Complaint narrative:
XXXX credit card company is illegally charging people with closed accounts a monthly maintenance fee witch violates the XXXX  credit card act

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-07 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: MS

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: TX

Complaint narrative:
To Whom It May Concern CFPB I am filing a formal complaint against TransUnion for reporting inaccurate and harmful information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ) the specific account in question is as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$530.00} Date Opened : XX/XX/year> Status : Charge-Off I have disputed this item with TransUnion previously but no proper investigation was conducted and the item remains on my credit report causing me continuous harm despite my request for validation and reinvestigation under FCRA Section 611 [ 15 U.S.C. 1681i ] TransUnion failed to meet its legal obligation to conduct a reasonable reinvestigation and respond within the required XXXX time period additionally TransUnion has continued to report this derogatory item without providing me any supporting documentation from XXXX XXXX that proves this debt is accurate valid and verifiable as required under FCRA Section 609 [ 15 U.S.C. 1681g ] this is a clear violation because the credit bureau can not legally report unverifiable and disputed information the continued reporting of this charge-off is damaging my creditworthiness and hindering my ability to obtain housing employment and financial services which is a violation of my consumer rights furthermore the original creditor XXXX XXXX has failed to respond to any of my direct requests for validation which violates the FDCPA [ 15 U.S.C. 1692g ] since TransUnion is furnishing this data to third parties they are obligated under FCRA Section 602 to ensure the maximum possible accuracy of the information reported which they have failed to do by continuing to report this charge-off I am suffering emotional distress and financial injury due to this inaccurate and unverified information being made available to potential lenders landlords and employers I respectfully request that the CFPB take immediate enforcement action against TransUnion for their willful noncompliance with federal law and compel them to delete the XXXX XXXXXXXX account ending in XXXX XXXX XXXX XXXX  from my credit file immediately as they have not met the burden of proof under FCRA I also request a copy of any documents they used to allegedly verify this debt as well as the method of verification under Section 611 ( a ) ( 6 ) ( B ) ( iii ) I demand full removal of this item from my report to prevent further harm and request appropriate penalties be imposed on TransUnion for their failure to follow due process as required by federal regulations

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 2025-07-07 00:00:00
Product: Student loan — Private student loan
Issue: Issue with income share agreement — Marketing or disclosure issues
Company: Climb Credit Inc.
State: CA

Complaint narrative:
In XX/XX/XXXX, during an admissions meeting with my school recruiter, XXXX XXXX and XXXX XXXX, at XXXX XXXX XXXX, I was told that the school had a strong job placement program that would help me find a job in my field immediately after graduation. She specifically said that over 90 % of graduates from my program were placed in well-paying jobs within XXXX months of graduating, and that the school had direct connections with employers in the industry. This information made me feel confident about enrolling, especially because I was looking to start a stable career and couldnt afford to waste time or money. 

However, after completing the program in XX/XX/XXXX, I reached out to XXXX XXXX multiple times over the following months. Each time, I was either ignored or given vague advice like check online job boards. No real support, job placement, or employer connections were ever provided. It became clear that the job placement claims were exaggerated or completely false. 

I never would have taken out the student loan or enrolled in the school if I had known the job placement support didnt exist. I was counting on that assistance to build my career. Because of this, I remained unemployed for nearly XXXX months after graduation and had to take a low-paying retail job that didnt require my certificate I now find myself carrying a large student loan debt and no career prospects in the field I studied. The schools false promises directly led to financial hardship and disappointment, and I would have reconsidered enrolling had I been told the truth.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: KY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services, block 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2025-07-07 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: IL

Complaint narrative:
I submitted multiple FTC Reports as of XX/XX/year> requesting the removal of fraudulent marks on my credit due that have been accrued due to XXXX XXXX XXXX XXXX. I have received no written confirmation of my dispute letter nor any credit reports nor any type of communication pertaining to my account status/issues. Attached you will find my FTC reports as well as the dispute letter I sent to Equifax & TransUnion

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 2025-07-07 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I submitted multiple FTC Reports as of XX/XX/year> requesting the removal of fraudulent marks on my credit due that have been accrued due to XXXX XXXX XXXX XXXX. I have received no written confirmation of my dispute letter nor any credit reports nor any type of communication pertaining to my account status/issues. Attached you will find my FTC reports as well as the dispute letter I sent to Equifax & TransUnion

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: GA

Complaint narrative:
on XXXX I reached out to XXXX XXXX, XXXX and other credit agencies to clear my credit report of information due to the data breach. But on XXXX XXXX XXXX reached out to equifax, transunion and experian about these issues and they have not responded and it has been over XXXX plus days. Delete 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 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 non-monetary relief
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-07-07 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Block, Inc.
State: GA

Complaint narrative:
On XX/XX/scrub>XXXX XXXX XXXX XXXXashapp put a lock on my card for suspicious activity after I tried to transfer {$65.00} off my card to another card that I have on file. It was suppose to take XXXX hours. I have {$130.00} on my cashapp card that I don't have access to and I have gave them more than enough time to correct this situation so I can get my money off this card. I'm tired of the games and I just want my money and I will never use cashapp again in my life. Nothing has been done differently on my card there has not been no suspicious activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: FL

Complaint narrative:
Delete XXXX inquiry from transunion 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 non-monetary relief