vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-07 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: CA

Complaint narrative:
XXXX XXXX XXXX wrongly reported my XXXX XXXX XXXX XXXX XXXX ( XXXX account ending XXXX XXXX  XXXX ) as late for XXXX and XX/XX/XXXX even though my bank sent both payments on time. XXXX received the funds but misapplied them internally to the wrong XXXX account, then belatedly moved them on XX/XX/XXXX after the phone call. Despite that, XXXX furnished late-payment information to XXXX/TransUnion, dropping my credit score by XXXX points. 
Key facts and timeline I have had automatic recurring XXXX XXXX  from XXXX XXXX since XX/XX/XXXX for {$480.00} monthly to XXXX for this loan. 
XXXX XXXX shows payments sent XX/XX/XXXXXXXX  ( deliver by XX/XX/XXXXXXXX  ) and sent XX/XX/XXXX ( deliver by XX/XX/XXXX ). See XXXX XXXX 
On XX/XX/XXXX, a XXXX representative called saying my account was 63 days past due. During that call, the rep checked and confirmed XXXX had received the payments but they were not applied to my loan. She then applied both payments that day ( XX/XX/XXXX ). See XXXX XXXX 
My credit reports now show a 30-day late for at least one of those months, causing a major score to drop. See XXXX XXXX 
I made no changes to payee, account numbers, or routing. The setup has been unchanged and on time for years. Money was already in XXXXXXXX XXXX possession before the due date. 
Why this violates the law As a furnisher, XXXX must report with maximum possible accuracy and must not furnish information it knows or has reasonable cause to believe is inaccurate ( FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ). 
Once notified of a dispute by a credit bureau, XXXX must conduct a reasonable investigation, correct and update results to all bureaus ( 1681s-2 ( b ) ). 
When a consumer sends a direct dispute, furnishers must investigate and correct under 12 C.F.R. 1022.43. 

Attachments XXXX. A XXXX XXXX XXXX XXXX confirmations ( showing amounts and delivery dates ). 
XXXX. XXXX XXXX loan transaction history showing XX/XX/XXXXXXXX  credits of {$480.00} XXXX. 
XXXX. XXXX Credit report/alert reflecting late-payment 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 2025-11-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XX/XX/year>XXXX  I sent {$900.00} by XXXX and was told it was not received and to wait. I was told to send the remaining {$500.00} on XXXX and then was told it was not received.

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 2025-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
i opened a dispute with synchrony bank for a purchase on my credit card i dont have any updates. i can not contact them because card was transferred to imprint please help

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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I disputed incorrect information on my credit report, but the credit bureau said my disputes came from a third party, which is not true. I personally sent the disputes myself. I even called to confirm it was me, but they still refused to process them. 

I spent money mailing my letters and included documents to prove my identity. Its unfair that they didnt investigate properly. I just want my disputes handled correctly as required by 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 2025-11-07 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:
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 2025-11-07 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: NC

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 2025-11-07 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: Experian Information Solutions Inc.
State: TX

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 2025-11-07 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: GA

Complaint narrative:
I am filing this complaint because there are collection accounts being reported on my credit report that are inaccurate and/or do not belong to me. These accounts are negatively impacting my credit profile and have not been properly verified by the reporting collection agencies or the credit bureaus. The accounts are : XXXX XXXX XXXX - ( {$1200.00} ) ( XX/XX/year> ), XXXX XXXX XXXX ( {$370.00} ) ( XX/XX/year> ), XXXX XXXX XXXX ( {$280.00} ) ( XX/XX/year> ). I have previously attempted to dispute these collection accounts and requested validation, but the companies have failed to provide sufficient documentation proving that the debts are valid or that I am legally responsible for them. Despite my requests, these accounts continue to be reported, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) .I am requesting that the CFPB assist in investigating these matters and remove the accounts from my credit report entirely.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: EQUIFAX, INC.
State: GA

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 explanation
Consumer complaint received 2025-11-07 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: TN

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

DEPTEDXXXX XXXX XXXX XXXX  Date 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 XXXXXX/XX/XXXX UNAUTHORIZED INQUIRIES : 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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

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 explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/XXXX, I was approved for an XXXX store credit card through Synchrony. Synchrony said I needed to make minimum payments of {$89.00} a month for 12 months and we'd be squared. 

On XX/XX/XXXX, XXXX, unbeknownst to me, charged me {$2.00} for a single XXXX. I learned this on XX/XX/XXXX and immediately paid off the {$2.00} charge with a payment of {$2.00}. 

From here, I simply kept making the payment Synchrony asked of me. On XX/XX/XXXX, well over 2 months after the SINGLE {$2.00} charge that wasn't apart of my promotional purchase on XX/XX/XXXX I got a 'Minimum Interest Fee ' of {$1.00}.

To recap, I made a single purchase, accidentally, outside of the original XX/XX/XXXX promotional purchase. As soon as I noticed on XX/XX/XXXX, I made a {$2.00} payment. This was well before my first automatic payment came due. Synchrony then charged me two months later a 'Minimum Interest Fee ' of {$1.00}.

When I tried to get an explanation from their Chat Support representatives, both of them told me that I DIDN'T make a payment on XX/XX/XXXX for {$2.00}, and both refused to refund the {$1.00}. I didn't even ask for a refund, just an explanation why I was being charged interest for something that I made a payment for already, and two months later at that. 

Upon XXXX deception, and upon their agents unwillingness to help, I decided to immediately pay off the remainder of the account and terminate my relationship with Synchrony. I'm reporting this now because it's sincerely messed up they made {$1.00} off of me for.... Nothing? Their own support staff can't seem to explain to me why I'm being charged interest for a promotional purchase, but at this point, Synchrony are thieves and I want to report them for this.

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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

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 explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: OH

Complaint narrative:
I am filing this complaint under my rights provided by the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). My consumer report is currently reflecting inaccurate and misleading information that is damaging my creditworthiness and reputation. I have previously attempted to resolve these issues directly with the credit bureaus, but the items remain uncorrected. The details of my dispute are listed below in full transparency for your review and immediate reinvestigation. 

XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX {$0.00} Late Payment * * False late payment on a closed account. Violates 607 ( b ) and FDCPA 807. 
No billing records or validation provided. This inaccurate data harms my creditworthiness. 

XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$0.00} Late Payment XXXX XXXX  Obsolete account over XXXX years old. Violates 605 ( a ) ( 5 ). 
You can not legally report expired accounts. Delete this item permanently. 

XXXX XXXX XXXX XXXX  Duplicate Opened XX/XX/XXXX {$0.00} Late Payment XXXX XXXX Duplicate entry. Violates 607 ( b ). Remove to prevent score damage. 
Reinserting duplicates is deceptive and must be stopped immediately. 

XXXX XXXX XXXXXXXX XXXX XXXX  Opened XX/XX/XXXX {$28000.00} Late Payment XXXX XXXX No proof of delinquency provided. Violates 623 ( a ) ( 1 ) ( A ).

Furnisher failed to validate records. Reporting without proof is unlawful. 

XXXX XX/XX/XXXX No authorization. Violates 604 ( a ) ( 3 ) ( A ). Delete at once.

This was an illegal hard pull and must be deleted to protect my privacy. 

Each of these violations reflects a pattern of negligence and noncompliance with federal consumer protection laws. I am requesting that the CFPB conduct a full investigation into these matters and ensure that the credit reporting agencies and furnishers immediately correct or delete all inaccurate, outdated, and unverifiable information listed above. I also request confirmation that these corrections have been made and that all parties involved are held accountable for their violations of my rights under FCRA and FDCPA.

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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I disputed incorrect information on my credit report, but the credit bureau said my disputes came from a third party, which is not true. I personally sent the disputes myself. I even called to confirm it was me, but they still refused to process them. 
I spent money mailing my letters and included documents to prove my identity. Its unfair that they didnt investigate properly. I just want my disputes handled correctly as required by 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 non-monetary relief
Consumer complaint received 2025-11-07 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: CA

Complaint narrative:
I am submitting this complaint to XXXX follow up on my previous disputes regarding unauthorized credit inquiries that have been reported on my credit file. Despite my prior submission, these inquiries remain unresolved and inaccurately reported on my credit report. I am requesting immediate attention to ensure the accuracy and integrity of my credit profile. 
I am disputing three inquiries on my credit report that I did not authorize : XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) I have no record of applying for credit with any of these entities, and I did not provide consent for these inquiries. These unauthorized inquiries misrepresent my financial history and negatively affect my ability to make informed financial decisions. 
Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 602 ( a ), 607 ( b ), 609 ( a ) ( 1 ), and 611 ( a ), I am entitled to ensure that only accurate and authorized information appears on my credit report. Unauthorized inquiries are considered a violation of these provisions and must be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BOK FINANCIAL CORP
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX released non-public financial information and restricted/dispersed funds from my checking account without lawful process, without subpoena, and without required RFPA notice. 
A private civil receiver does not have subpoena authority, and no compulsory process was issued. 
I was not notified, my account was closed, and funds were taken without lawful cause.

This violates : RFPA ( 12 USC 3401 et seq. ) Regulation P / GLBA ( 12 C.F.R. 1016 ) UDAAP ( 12 USC 5531 ) Requested Action : 1. Full accounting of all transfers/disbursements. 
XXXX. Proof of any legal authority relied upon. 
XXXX. Restoration of funds if no lawful process exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Multiple inaccurate and unverified accounts are being reported on my credit profile, and I have formally disputed them with the credit bureaus. These accounts are not mine and the credit bureaus have continued to publish and furnish these items without providing me with any proof, validation, or original signed contracts. 

I have already sent dispute letters directly to the bureaus and requested investigation, but they continue to report these items despite my notices. These unverifiable items are harming me financially and causing damage to my credit standing. The information being furnished is not backed by any documentation showing I authorized or opened these accounts. I am attaching supporting evidence to show that these items remain unverified, inaccurate, and not connected to me. 

Im filing this CFPB complaint because the bureaus have not corrected the issues after being notified, and these accounts should have been removed since they can not be validated.

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