vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-19 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: NC

Complaint narrative:
I am submitting this as a formal dispute regarding multiple inaccuracies currently appearing on my Equifax, Experian and TransUnion credit report. Upon reviewing my report, I have identified several XXXX accounts that are inaccurately reported, with incorrect balances, account opening dates, last payment dates, and late payment information. These inaccuracies misrepresent my financial history and are causing significant harm to my creditworthiness, access to credit, and overall financial reputation. I am requesting a thorough reinvestigation and immediate correction and updating of all inaccurate information in full compliance with the Fair Credit Reporting Act ( FCRA ), specifically 607 ( b ), 611 ( 15 U.S.C. 1681i ), 623 ( a ) ( 2 ), 605 ( a ), and 609 ( 15 U.S.C. 1681g ). 


The incorrect reporting of these XXXX accounts suggests that I have payment delinquencies and obligations that do not correspond with my actual financial history. This misrepresentation can result in adverse credit decisions, higher interest rates, denial of credit, and other financial harm. The repetitive nature of the discrepancies, with multiple accounts reporting identical last payment dates and overlapping balances, raises serious concerns regarding the accuracy and verification procedures of the reporting.

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 2025-12-19 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I disputed inaccurate credit reporting by Synchrony Bank regarding a Sams Club credit card tradeline that was included in a XXXX  XXXX bankruptcy. Despite repeated disputes and completed investigations, Synchrony Bank continues to furnish inaccurate and internally inconsistent information to certain consumer reporting agencies. 

Using the same bankruptcy records and dispute information, both XXXX XXXX XXXXXXXX determined that this Synchrony Bank tradeline could not be verified and deleted the account from my credit reports. However, Synchrony Bank continues to report the same account to XXXX XXXX XXXX 

The information reported to XXXX XXXX XXXX reflects bankruptcy status combined with charge-off and delinquency indicators that can not lawfully coexist under credit reporting standards. This reporting is materially inconsistent with the determinations reached by XXXX XXXX XXXXXXXX and demonstrates that the information lacks a reliable factual basis. 

Although Synchrony Bank marked its investigations as complete or updated, the inaccurate reporting was not corrected or deleted. This constitutes a failure to conduct a reasonable reinvestigation and a failure to ensure maximum possible accuracy after receiving actual notice of dispute. 

Furnishing information that has already been deleted by multiple nationwide consumer reporting agencies due to unverifiable reporting establishes that the data can not be verified as accurate. Continued reporting under these circumstances violates the Fair Credit Reporting Act, including furnisher duties after dispute, and applicable provisions of the Texas Business & Commerce Code governing false, misleading, or deceptive credit reporting practices. 

Any reinsertion of this tradeline at XXXX XXXX XXXXXXXX, where it has already been deleted due to unverifiable reporting, would also violate federal reinsertion protections.

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 2025-12-19 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: TX

Complaint narrative:
I look closely at my credit report and check that there is an accuracy on my accounts. I never been late in that. There might be an error in reporting.

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 2025-12-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CA

Complaint narrative:
I am formally disputing the Jefferson Capital LLC account currently being reported on my credit file. This debt is not owed by me and is the result of identity theft. 

I did not open this account, did not authorize it, and did not sign any agreement related to this debt. I have already filed an official identity theft/fraud report regarding this matter. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act, you are required to cease collection activity and remove this account unless you can provide verified proof of liability, including a signed contract bearing my signature. 

Continued reporting of this inaccurate information after notice constitutes a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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: IL

Complaint narrative:
I am submitting my seventh formal follow-up dispute to demand the immediate and permanent removal of the inaccurate, misleading, and unverifiable XXXXXXXX XXXX XXXX XXXX XXXX account, currently reported with a {$28000.00} balance on Experian and TransUnion, as it is inaccurately listed as a charged-off account without the proper issuance of a 1099-C for debts over {$600.00}. This continued reporting violates FCRA 607 ( b ), 15 U.S.C. 1681e ( b ), which requires furnishers to ensure accurate reporting, and despite multiple prior disputes, including certified communications, this account remains on my credit reports in a misleading and unverifiable manner, causing ongoing harm to my financial integrity, misrepresenting my creditworthiness, and creating undue stress. 

The reporting also violates FCRA 611 ( a ), 15 U.S.C. 1681i ( a ), granting consumers the right to dispute unverifiable information, and FCRA 623 ( a ) ( 1 ) ( A ) / 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and 1681c-2, as the furnisher has failed to ensure accuracy before reporting.

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 2025-12-19 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: KS

Complaint narrative:
I would like to file a complaint for incorrect information on my credit report please see attachment. 


Please see attached documents for complaint.

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 2025-12-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I disputed inaccurate credit reporting by Capital One on multiple occasions regarding a credit card tradeline that was included in a XXXX  XXXX bankruptcy. Despite repeated disputes and completed investigations, Capital One continues to furnish inaccurate and misleading information to XXXX. 

Using the same bankruptcy records and dispute submissions, both XXXX XXXX XXXX  determined that the Capital One tradeline could not be verified and deleted the account from my credit reports. Capital One, however, continues to furnish this same tradeline solely to XXXX, where the account remains reported inaccurately. 

The continued reporting reflects bankruptcy-related status combined with delinquency indicators that can not lawfully coexist under credit reporting standards. Capital Ones decision to continue furnishing this tradeline to only one consumer reporting agency demonstrates that the information lacks a reliable and verifiable factual basis. 

Although disputes were marked as investigation complete or updated, Capital One failed to correct or delete the inaccurate reporting at XXXX. This constitutes a failure to conduct a reasonable reinvestigation and a failure to ensure maximum possible accuracy after receiving actual notice of disputes. 

Continued furnishing of a tradeline that has already been deleted by other nationwide consumer reporting agencies violates the Fair Credit Reporting Act, including duties under 15 U.S.C. 1681s-2 ( b ), and applicable provisions of the Texas Business & Commerce Code governing false, misleading, or deceptive credit reporting practices. 

Any reinsertion of this tradeline at XXXX XXXX XXXX, where the account has already been deleted due to unverifiable reporting, would also violate federal reinsertion protections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I am formally disputing the IC System account currently appearing on my credit report. This debt is not owed by me and is the result of identity theft.

I did not open this account, did not authorize it, and did not sign any agreement related to this debt. I have already filed an official identity theft report regarding this matter.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act, you are required to cease all collection activity and remove this account unless you can provide verified proof of liability, including a signed contract bearing my signature.

Continued reporting of inaccurate information after notice constitutes a violation of federal law.

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 2025-12-19 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant XXXX. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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
Consumer complaint received 2025-12-19 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: LA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant XXXX. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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
Consumer complaint received 2025-12-19 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant XXXX. 

Moreover, I was affected by the XXXX, Experian, XXXX XXXX data breaches, which heightens my concern regarding the security and handling of my personal 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
Consumer complaint received 2025-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am filing this complaint regarding inaccurate and misleading credit reporting by XXXX XXXX. I paid this account in full over two years ago yet XXXX XXXX continues to maintain a balance on my name in their system and has failed to correct or remove the account from my credit report. 

I have contacted XXXX XXXX multiple times requesting written confirmation that the account was paid in full but despite being told the letter would be mailed and emailed I have received nothing This failure to provide documentation while continuing to report a balance is unacceptable and harmful. 

Reporting an outstanding balance on an account that was paid in full is factually inaccurate and violates the Fair Credit Reporting Act ( FCRA ) which requires information furnished to credit reporting agencies to be accurate complete and verifiable. 

Due to the age of the account the length of time since payment and XXXX XXXX failure to properly maintain or verify accurate records, I am requesting that this account be removed entirely from my credit report rather than corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-19 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Block, Inc.
State: OK

Complaint narrative:
I tried to do the identity process and Cash app said it didn't match when I'm just trying to access my old account without my the old phone and email I can not access anymore and they closed my current account said it violated and scam when I just want to pull my money off and now I can't get help nor did they ever help me with anything to do with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Company : Synchrony Bank Product : Credit card Synchrony XXXX XXXX  Issue category : Problem with account access / security Complaint description : I am unable to access my Synchrony XXXX XXXX  account because multi-factor authentication codes are still being sent to an old phone number that I no longer control. I changed my phone number due to security concerns, and Synchrony customer service has confirmed that my new number is correctly updated on my account. 

However, despite multiple calls, the XXXX  system continues to default to the old phone number. Customer service representatives state the number is updated but can not correct the XXXX  routing. This indicates that my digital security profile is still bound to a compromised phone number. 

I have requested that Synchrony reset or recreate my online access so XXXX  can be re-registered to my current number. Instead, I have been asked to submit video and identification, which I believe is unnecessary and disproportionate for a backend XXXX  desynchronization issue that could be resolved by resetting digital access.But I did it anyway over and over but did not solve the problem. 

This situation prevents me from securely accessing my credit card account and poses an ongoing security risk. I am requesting that Synchrony fully reset my digital profile and XXXX  enrollment so verification codes are sent only to my current phone number.

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 2025-12-19 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: GA

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

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 2025-12-19 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:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

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