vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-15 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: OR

Complaint narrative:
In 2024 I was in a crash that totaled my vehicle. From day XXXX XXXX was a nightmare to deal with. I was hung up on multiple times, laughed at on the phone to XXXX XXXX of tears and constant lies being told to me. All I ever ask is for documentation to be sent/taken care of and updates. I either did not receive it or incorrect information was provided. I paid on time every month, and as I was waiting for my insurance payment to clear to XXXX, they are stating I was 60 days past due. I would check my account weekly to see if the check cleared. If there was a minimum amount on my account I would make sure to pay it. This 60 day delinquency is incorrect.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: CA

Complaint narrative:
I am filing this complaint against TransUnion LLC for failure to conduct a reasonable reinvestigation and for continued reporting of internally inconsistent and inaccurate information furnished by XXXX XXXX XXXX ( Account # XXXX ). 

TransUnion closed or processed my dispute while retaining derogatory information that is facially contradictory and chronologically impossible, and did so without addressing or waiting for resolution of related CFPB complaints involving the same furnisher and account. 

Specifically, the tradeline reports an XX/XX/2025 scheduled payment of {$250.00} while simultaneously stating that {$0.00} was paid on XX/XX/2025. A payment dated XX/XX/2025 can not satisfy or fail an XX/XX/2025 obligation. This data is internally inconsistent and can not be verified as accurate. 

TransUnion appears to have relied solely on furnisher certification rather than reconciling these contradictions or reviewing underlying documentation. XXXX on a furnishers assertion, where the data itself is logically impossible, does not meet the requirements of a reasonable reinvestigation under 15 U.S.C. 1681i or the duty to ensure maximum possible accuracy under 1681e ( b ).

This account is part of a broader pattern of inaccurate and potentially retaliatory furnishing by XXXX XXXX XXXX, which is already the subject of multiple CFPB complaints and active disputes with other credit reporting agencies. TransUnions handling of this dispute exposes consumers to ongoing harm by allowing unverifiable data to remain on credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: EQUIFAX, INC.
State: FL

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX -- Opened : XX/XX/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 XXXXXX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: Experian Information Solutions Inc.
State: FL

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
Consumer complaint received 2025-12-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
XXXX XXXX XXXX/ harbor freight. 
Amount of {$1300.00}. I see it was bought by a debt buyer so I will need some information of these things listed a assignment contract or full chain of an assessment. A bill of sale from the original creditor with identifying account details. A account level documentations the sign contract and statements. Proof of licensing and bonding to collect in my state. And a full breakdown of how the balance was calculated ( principal and interest and fees ). I also need the flow agreement. If y'all can't prove it then y'all legally can not collect under the FDCPA 15 U.S.C.1692g ). If you can not provide me with the information deleted off my credit report. I'm very aware that if you did not provide me these things before putting it on my credit report or that u did not send me a demand letter it is not valid.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: SC

Complaint narrative:
Cash app Close my account saying I violated the terms never explain why

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: FL

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

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 I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

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 I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
After reviewing my credit report, I am concerned to see a late payment notation, even though I have never missed a payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: EQUIFAX, INC.
State: MO

Complaint narrative:
After reviewing my credit report, I am concerned to see a late payment notation, even though I have never missed a payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: AR

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, must allow at least 21 days between the statement date and the payment due and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: MI

Complaint narrative:
I am a XXXX  of XXXX XXXX  and have repeatedly submitted lawful XXXX XXXX Credit Block requests to Equifax under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 / FCRA 605C ).

I have submitted my XXXX XXXX  documentation and identifying information to Equifax more than ten ( 10 ) separate times. Each submission included the required documentation demonstrating my status as a XXXX XXXX XXXX  and was sufficient under federal law to trigger the mandatory credit block.

Despite these repeated submissions, Equifax has failed to acknowledge receipt, failed to apply the required XXXX XXXX Credit Block, and failed to provide any lawful explanation for refusal. The adverse information associated with my XXXX experience continues to appear on my credit report. 

Federal law requires credit reporting agencies to block information resulting from XXXX XXXX within four business days of receiving proper documentation. Equifax does not have discretion to ignore or delay these requests. Their continued inaction represents willful non-compliance, not an administrative delay.

I have received either no response or generic, automated responses that do not address my XXXX XXXX request and do not reference FCRA 605C. At no point has Equifax identified any deficiency in my documentation or requested additional information. 

Equifaxs refusal to comply has caused ongoing financial harm, emotional distress, and retraumatization by forcing me to repeatedly resubmit documentation related to my XXXX experience. The continued reporting of this information undermines the specific protections Congress enacted for XXXX XXXX  
I am requesting CFPB intervention to require Equifax to immediately comply with FCRA 605C, apply the required XXXX XXXX Credit Block, and cease reporting information related to my XXXX  experience.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I made an online purchase to XXXX using my Cashapp payment option. I moved {$20.00} from my checking account to my Cashapp account to pay for the items that I ordered. The next morning when I checked my bank account I noticed there were XXXX unauthorized charges that said * CashApp XXXX XXXX for the exact amounts of {$12.00} and XXXX taken from my cash app account to pay for my items. I reached out to XXXX first and they said they only show XXXX charge of each being processed, that I should reach out to CashApp. I reached out to CashApp and they are saying that I should contact XXXX for the related charges. It has been a back and forth nightmare. I submitted proof during my chat with Cashapp representative and was told that an email would be sent for me to upload my proof. I went to work and came home to upload the same proof that I had submitted during my chat with Cashapp only to find that the link was expired. I reached out to CashApp again on XX/XX/XXXX letting them know that I tried to upload my proof as requested and the link kept saying expired. I called CashApp case # XXXX and was told to expect another email so I could upload my documents. To this day I still have not received a second email. Besides no where in our chat was I told the link would expire and I would only have so many hours to upload. This is preposterous. I feel I at least should have been told that I only had a couple of hours to get my proof to them or this case would be closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: Experian Information Solutions Inc.
State: RI

Complaint narrative:
I respectfully ask that these wrong accounts be deleted from my credit report immediately as I never authorized their inclusion there. Can you please remove this incorrect information from my records right away

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: EQUIFAX, INC.
State: RI

Complaint narrative:
I respectfully ask that these wrong accounts be deleted from my credit report immediately as I never authorized their inclusion there. Can you please remove this incorrect information from my records right away

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: VA

Complaint narrative:
I have consistently maintained an on-time payment history, and I am committed to resolving this matter. I kindly request your consideration in waiving the late fee and removing the late payment from my credit report, as I believe this does not reflect my usual payment behavior.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
This company took over the servicing of my VA home loan from XXXX XXXX mortgage a few months ago while I was in the middle of a bankruptcy. It has been a nightmare ever since! XXXX XXXX was an amazing and responsive company. PHH had been the complete opposite! I understand that they had to be careful because of my bankruptcy case but they have taken it to the point to where they are making to impossible for me to make a payment. They failed to notify me at all about the transfer, I only knew because my previous mortgage company told me. XXXX XXXX had been working on a reaffirmation agreement for me to sign since I was clear that I wanted to keep my mortgage as it is. That all got lost in the transition. I became backed up on my payments in large part because this company was not allowing me to make payments. I then contacted them ( after much trouble trying to actually get in contact with someone ) and asked for a payment plan just to catch up on the payments. I was told I would get an answer " within 5 business days '', a week or two later I then get a message telling me to submit a bunch of documents and paperwork. I promptly filled all of them out and provided the requested documentation and received a message that I should hear back within about 7 days. It has been over a month! Now, I seem completely locked out of their system and unable to make payments! My online account doesn't allow payments ( they even locked me out of that automated chatbot, which is terrible anyway ), every time I try to contact someone via their various phone numbers it takes me through several steps and then says " do to an error we can not connect you to anyone, please call back '', it wont allow me to make phone payments either! All I am trying to do at this point is make a payment but this company seems intent on making it impossible!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX in have online transfer from Remitly to XXXX XXXX  XXXX. 
The money supposed to arrive the next day. After 4-5 days I started contacting them. They promised will provide my information to XXXX XXXX?? And get back to me. I havent head back from them so I contacted them 2 days later to ask to get the refund. They said I will get the refund after 7-10 days. Still no email or any notice on the transaction. 
I have been contacted them 3 times to try to move the transaction and the XXXX XXXX they promised will call me after 3-4 hours. 
Nothing from Remitly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: VA

Complaint narrative:
This report is being submitted to address inaccuracies on my credit report. Equifax has verified that a system malfunction caused my personal information to be leaked and subsequently used without my consent. I have faced denial of credit because of this, and I am requesting prompt resolution within four business days.

Company response to consumer: Closed with explanation