vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-25 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: TX

Complaint narrative:
Formal Complaint Improper Charge-Off Reporting and Fraudulent Account Verification Accounts Involved : XXXX XXXX  Credit Account Ending XXXX XXXX XXXX XXXX Bank Account XXXXXXXX XXXX Summary : Dear CFPB I am submitting this formal complaint regarding XXXX accounts reported to my credit file as charge-offs by XXXX XXXX  XXXX  and XXXX XXXX XXXX XXXX  XXXX These accounts were opened without my consent while I was on XXXX XXXX XXXXXXXX, and I believe they are linked to identity theft resulting from the XXXX and XXXX  data breaches. My personal information, including a compromised email address, was exposed and is currently searchable on the dark web. 

The companies involved verified these accounts using that compromised email address ( See attachment ). Reliance on breached credentials undermines the credibility of any verification process and fails to meet the standard of reasonable identity validation under federal law. 

Neither creditor has issued an IRS Form 1099-C, which is required when a debt is canceled or discharged. The absence of this form raises serious concerns about the legal status of these accounts and the accuracy of the reporting. Under 15 U.S.C. 1681s2 ( a ), furnishers must report only complete and accurate information. Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain reasonable procedures to ensure maximum possible accuracy.

As an active-duty servicemember, I am protected under the Servicemembers Civil Relief Act ( SCRA ), 50 U.S.C. 39014043, which prohibits adverse credit actions and mandates accommodations during XXXX. Any attempt to verify, report, or collect on these accounts during my XXXX constitutes a violation of federal law. 
Requested Resolution : Immediate reinvestigation of both charge-off accounts Removal of inaccurate charge-off reporting from all credit bureaus Issuance of IRS Form 1099-C if the debts were legally canceled Assurance of compliance with FCRA, FDCPA, and SCRA protections Block all further insertion of incorrect information into my credit report Attachments Available Upon Request : FTC Identity Theft Report Proof of identity Documentation of compromised email address XXXX  verification Thank you for your attention to this matter. I expect a prompt and lawful resolution. 

Respectfully, 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 2025-09-25 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: MO

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-09-25 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: MO

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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:
In XXXX, a XXXX XXXX charge-off account ( Account No. XXXX ) was deleted from my credit file after a dispute. In XXXX, the same account was reinserted multiple times without proper notice or certification, in violation of the Fair Credit Reporting Act ( FCRA ). 

This violates : 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) prohibits reinsertion of previously deleted information without certification and 5-day written notice.

15 U.S.C. 1681s-2 ( a ) prohibits furnishers from reporting inaccurate or unverifiable information.

15 U.S.C. 1681e ( b ) requires credit bureaus to maintain maximum possible accuracy.

15 U.S.C. 1681b ( a ) restricts credit reporting to permissible purposes only.

15 U.S.C. 1681c ( a ) ( 5 ) limits how long adverse information can remain. 

Despite my formal disputes, the XXXX XXXX account ( XXXX ) remains and has been reinserted again. I am requesting immediate and permanent deletion of this account, enforcement of FCRA protections, and confirmation that my rights as a consumer will be respected.

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 2025-09-25 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 dispute a balance amount with Equifax and Transunion by submitting the current credit card stating showing my current balance of {$22.00}. Both Equifax and Transunion kept the previous balance of {$15000.00} which was paid XX/XX/year>. Please see Equifax confirmation # XXXX and Transunion File Identification Number XXXX. Both claim they verified as accurate and updated but clearly they did not check with original creditor for this information. Even though I provide both Equifax and Transunion with Credit Card Statement from XX/XX/year> they refused to update my current balance to reflect an accurate balance. This neglect on their part is affecting my credit score by XXXX points.

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 2025-09-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
My Cash App account was frozen without valid explanation, and my funds are being withheld. I have contacted Cash Apps customer support by phone XXXX separate times. Each time, I was told the matter would be forwarded to the department that handles these issues, and that I would receive a response within 48 hours. Despite these assurances, I have received no follow-up and no resolution. 
I am the rightful account holder and am not aware of any violations of Cash Apps terms of service. I have not been provided with any written explanation or instructions on how to resolve the matter or regain access to my funds. 
I respectfully request that Cash App : Provide a written explanation of why my account was frozen. 
Outline any steps required of me to resolve the issue. 
Release my funds without further delay. 
This situation has caused me unnecessary financial stress and inconvenience, and I am seeking immediate resolution. 

Since XX/XX/XXXX, several times I have attempted to withdraw {$650.00} from Cash Balance, {$65.00} from Savings and {$50.00} that has been pending since XX/XX/XXXX -- from my CashApp account, and the only response is " {$650.00} transfer to your bank account has failed. We noticed suspicious activity and have suspended your account as a precaution. Please contact support to access your account. '' I have contacted support, as stated about, however, have not received any assistance. HELP!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: CA

Complaint narrative:
I am filing this complaint against Experian because their responses to my CFPB complaints have been vague, unhelpful, and failed to directly address the concerns outlined in my original filing. Rather than acknowledging or investigating the issue I raised, their response only included generic information about the dispute process and how to file onesomething I had already done prior to submitting my initial complaint. 

As of XX/XX/year>, my XXXX XXXX has continued to drop by an additional XXXX points, despite no negative changes appearing on my credit report. For the past XXXX months, Experian has repeatedly removed and added back the same XXXX points, never allowing my score to rise above XXXX. Each time it reaches XXXX, Experian removes XXXX points, later restores them, and then removes them XXXX  a consistent and unexplained cycle. The Experian platform does not provide a clear or valid reason for this fluctuation. It continues to cite increased account balances, yet none of my accounts carry a balance except for my student loan, which has not reported any updates since XX/XX/year>. 

I am requesting that Experian be required to : Conduct a thorough review of my credit file, Correct any inaccurate information, Provide a clear explanation with supporting details for any score changes, and Offer a direct path to speak with a live representative if needed. 

I have filed several complaints with the CFPB ; however, Experian has repeatedly responded with unrelated explanations and has never directly addressed my concerns. While a CFPB complaint is open, Experian temporarily adds the missing points back to my score, only to remove them again once the complaint is closed. Credit reporting agencies must be held accountable for transparency and accuracy. Soon Experian will have a XXXX XXXX against them, I know I am not the only person experiencing these fraudulent practices.

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 2025-09-25 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: CA

Complaint narrative:
I contest the inclusion of items tied to unauthorized accounts. Kindly undertake a detailed review and expunge them. Documentation accompanies this request.

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 2025-09-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I ordered smart glasses from XXXX XXXX on XX/XX/year> which totaled {$200.00} utilizing Paypal Credit for 6 months same as cash. I reached out to XXXX on XX/XX/XXXX and they gave me a non-answer as to what was happening with the order. So, I reached out to Paypal Credit which is really a Synchrony Bank product on XX/XX/XXXX and lodged a dispute. Paypal promised to investigate, but never provided a temporary credit of the amount of {$200.00}. They still claim to be investigating after receiving a response from XXXX. They haven't shared that response with me. The issue here is that I don't have the product for the {$200.00} purchase. XXXX never shipped it and never provided the tracking, this seems like a no brainer that Paypal/Synchrony Bank should cancel the {$200.00} installment loan or at least provide a temporary credit while they are investigating, but they are still expecting a payment on XX/XX/XXXX which seems ludicrious given I haven received the product and the merchant never shipped it.

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 2025-09-25 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: TX

Complaint narrative:
My XXXX credit card has showed a balance that doesn't exist for months. My account balance has been {$0.00} upon ststement closure for 2 months with no updates to my Equifax credit report and just recently updating XXXX. I submitted a dispute to Equifax. The dispute was ignored and closed within 18 hours. Also I will attach images. Notice how XXXX consistently misses reporting dates, and doesn't remedy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
Hello, I was scammed and fraud was detected on my account. Due to this, they have locked me out of my account on XX/XX/year> and have not sent me any information since this date. They told me they did not have to tell me why they were locking or closing my account. I called the number on my app that said to call and they would unlock but it is still locked.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: IL

Complaint narrative:
I am a victim of identity theft. There are fraudulent accounts that were opened in my name without my knowledge, authorization, or consent. I have already disputed these accounts with the credit bureaus, but they have failed to properly investigate or remove them as required by law. 

The fraudulent accounts are : XXXX XXXX XXXX XXXX XXXX  Under my rights pursuant to the Fair Credit Reporting Act ( FCRA ) 605B, credit reporting agencies are required to block and remove all information resulting from identity theft from my credit file once I provide notice and supporting documentation. In addition, under FCRA 611, the credit bureaus must conduct a reasonable reinvestigation of disputed information and can not continue reporting unverifiable, fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I am filing a complaint against Citibank regarding inaccurate and misleading credit reporting. 

I had an active dispute with Citi on this account from XX/XX/XXXX to XX/XX/XXXX, during which time I did not make payments, partly at their instruction in an attempt to replicate the error that caused the original complaint. After they misled me and stood ground on their terrible customer service, which caused financial harm, I proceeded with paying the account in full, I contacted Citi customer service and was explicitly told that, as a courtesy, Citi would remove the late payments from my credit report. I was also refunded my late payment fee, which demonstrates Citi acknowledged that this situation warranted correction.

Despite these assurances and the refund, Citis Executive Response Unit has since refused to honor the correction and continues to report the late payments. They now state that the information is accurate while offering only to add a disputed by consumer notation. This contradicts Citis own prior commitment to correct my report and constitutes misleading conduct

. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), furnishers must ensure maximum possible accuracy of information. Citis actions ; promising removal, issuing a refund, and then refusing to follow through, misled me into believing the matter was resolved. This failure to honor their own resolution has materially harmed my credit profile and will continue to do so for years.

I am requesting that the CFPB require Citi to correct my credit report by removing the late payment entries as promised.

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 2025-09-25 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:
I requested that XXXX XXXX be deleted from credit bureau due to not being associated with this account, never heard of it, I have no associations with this account, I called the company and they couldn't verify any of my information but want me to verify my information. I'm also filing a FTC report due to fraud because this company has no tie to me, I am requesting sign contracts, ID XXXX valid photo that was used, and date item was purchased, debit card or credit card transactions that was used. This is fraud and I want it deleted and removed accordingly, I was in an active bankruptcy and unable to get a car until XX/XX/year> which I currently have now. Please remove this or verify all items requested.

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 2025-09-25 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: OH

Complaint narrative:
SUBMITTED CERTIFIED DISPUTE LETTER TO XXXX  XXXX XXXX  OVER XXXX MONTHS AGO.

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 2025-09-25 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: TX

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, 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 must allow at least 21 days between the statement date and the payment due 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 explanation
Consumer complaint received 2025-09-25 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: IL

Complaint narrative:
Please note the above referenced accounts were opened FRAUDULENTLY ; as a result of Identity Theft. My information was compromised & fraudulently used without my permission. My name, social security number, along with fake addresses, emails & phone numbers were also fraudulently used by the fraudster ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: TX

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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