vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-03 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: FL

Complaint narrative:
I am submitting this complaint regarding multiple inaccurate entries on my credit report that are severely harming my credit profile, including XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ( Late Payment ), XXXX XXXX accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( all reported as Late Payment ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( all reported as Charge Off ). I dispute the accuracy of all Late Payment and Charge Off entries, as I have never made a late payment on any of the accounts and have no knowledge of some of the charge-off accounts. These false and misleading entries violate the Fair Credit Reporting Act ( FCRA ), which requires maximum accuracy in reporting. I demand that these inaccuracies be immediately investigated, that the false late payments be corrected, the unknown charge-off accounts be deleted, and that I receive written confirmation of these actions, as their continued presence is causing significant harm to my creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: CA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting 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 2025-11-03 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: GA

Complaint narrative:
I am writing to dispute certain items on my credit report as they may not be accurately reported. Below is a detailed list of the accounts and inquiries in question, separated by each bureau. Please review these items and update my credit file accordingly.Charged Off Accounts in Dispute : XXXX XXXX Account : XXXX Reported XX/XX/XXXX Balance : {$0.00} Dispute : I believe this account is being reported incorrectly. Please investigate and provide the correct status for this account. 

XXXX XXXX Account : XXXX Reported XX/XX/XXXX Balance : {$460.00} Dispute : I believe this account is being reported incorrectly. Please investigate and provide the correct status for this account. 

XXXX Account : XXXX Reported XX/XX/XXXX Balance : {$0.00} Dispute : I believe this account is being reported incorrectly. Please investigate and provide the correct status for this account. 

Inquiries to Dispute : XXXX XXXX Date : XX/XX/XXXX Dispute : This inquiry was made without my consent. Please investigate and remove it from my credit report.

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 2025-11-03 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 consumer file contains multiple accounts, inquiries, and records that are inaccurate, outdated, or unverifiable in violation of FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ). These inaccuracies have caused significant harm to my creditworthiness and its really frustrating.

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 2025-11-03 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: GA

Complaint narrative:
My consumer file contains multiple accounts, inquiries, and records that are inaccurate, outdated, or unverifiable in violation of FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ). These inaccuracies have caused significant harm to my creditworthiness and its really frustrating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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 writing to dispute the following inaccuracies in my credit report. The accounts listed below are inaccurately reported, and I request that these be corrected as per the Fair Credit Reporting Act ( FCRA ). 

CHARGE OFF : XXXX XXXX XXXX Account # XXXX Charged off : XX/XX/XXXX Balance : {$3800.00} Discrepancy : This account is reported inaccurately regarding the balance and charge-off date. I request that it be verified or removed. 

XXXX Account # XXXX Charged off : XX/XX/XXXX Balance : {$10000.00} Discrepancy : This account has discrepancies in the reported balance and the charge-off date. Please verify and correct or remove the entry. 

XXXX  XXXX Account # XXXX Charged off : XX/XX/XXXX Balance : {$0.00} Discrepancy : This account shows as a charged-off account, but the balance is listed as {$0.00}. This needs to be verified or removed. 

XXXX Account # XXXX Charged off : XX/XX/XXXX Balance : {$0.00} Discrepancy : This account appears with a balance of {$0.00}, but it is being reported as charged off. It should be verified or removed. 

INQUIRES : XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX  Date : XX/XX/XXXX Discrepancy : Please review these inquiries as they appear inaccurately or without proper consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
To Whom It May Concern, I am filing this complaint regarding Target XXXX XXXX Target XXXX Fraud Department for failing to resolve a fraud claim within the required time frame, which has now caused serious harm to my credit. 

I submitted a fraud claim on XX/XX/year>, regarding unauthorized transactions on my Target account ( Case Number : XXXX ). As of XX/XX/year>, more than seven months later, the issue remains unresolved. 

Despite multiple follow-ups with Targets customer service and fraud department, I have not received any written update, refund, or explanation for the delay. According to federal regulations, financial institutions are required to complete fraud investigations and provide a resolution within 90 days, yet Target has far exceeded that period. 

On XX/XX/year>, I received email notifications that three transactions were declined. 
On XX/XX/year>, I called Target customer service to report the unauthorized transactions and was informed that the matter would be handled. 
Despite this, the transactions were later processed and posted to my account. I called again immediately and was instructed to wait for a letter and complete a questionnaire, which I did promptly. 
According to customer service, my completed questionnaire was received on XX/XX/year>, and I was told the case would be resolved no later than XX/XX/year>. 

I called again on XX/XX/year>, and was told the issue would be resolved by the end of XXXX. When I called today ( XX/XX/year> ), the supervisor informed me that the case had been closed without resolution and was only reopened today. This is completely unacceptable. 

Because of this prolonged delay and mishandling, my credit report and score have been negatively affected, and my account has accrued fees and interest due to the unresolved fraudulent charges. 

I request that the CFPB ensure Target takes the following immediate actions : 1. Immediate reversal of the unauthorized transactions.

2. Written confirmation that my account has been corrected.

3. Notification to the credit bureaus that this transaction is under dispute so that my credit report is not adversely affected.

4. Reversal of any fees and interest applied to my account as a result of this unresolved fraud. 

Details : Claim filed : XX/XX/year> Case number : XXXX Company : Target XXXX / Target XXXX  ( TD Bank, N.A. ) Nature of complaint : Unresolved fraud claim beyond 90 days ; negative credit impact ; fees and interest applied Contact attempts : Multiple ( including XXXX XXXX and XXXX XXXX follow-ups ) Thank you for your attention to this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Check Recovery Bureau, Inc.
State: NM

Complaint narrative:
I've received multiple calls from United Check Recovery Bureau. They state the name of the person and that they are trying to locate them. I didn't give permission to have my name used as a reference or contact information for the person they are looking for. 

I'll make an effort today, Monday, XX/XX/year>, to resolve this issue by requesting that they cease and desist contacting me and that the use of my name and contact information was unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: WV

Complaint narrative:
Someone purchased a vehicle under my name. Also I closed a capital pne credit card and they are still reporting missed payments

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Self Financial Inc.
State: VA

Complaint narrative:
On or about XX/XX/year> I was contacted by Self credit card company indicating there was a questionable charge on my card. I responed saying I thought it was fraudulent thus challenged the charge. On XXXX, XXXX started a " Dispute in Progress '' action and temporarily debited my card for the amount. That claim ID # was XXXX and I was told it would take some time to process. Self cancelled my current card and I had to wait to recieve a new card. No issues there. After not hearing from Self for some time, I called he on XX/XX/year> for an update. A representative told me the dispute was denied. I was concerned that they had not called me or contacted me regarding said decision. Then, I got an email from Self saying they wanted me to send them my ID and the bank account that I had linked to them for payment. I was upset that they wanted that information as they had had it for since the inception of the account. I called them for clarity and told them my account that was linked was the account that I had been paying them for months so what is the issue. I was only talking to a customer service rep who had not authority. At that point ( and to my apprehension ) to told them to close my account as the stupidy of the issue was well stupid. I requested my deposit back and they will not send it to me unless I provide them with my identity and my bank account which I refuse to do as it is ridiculous in that the account I want the money sent to is the same account I have been paying them for months. I feel like they are just holding on to my money now. So, I just want my deposit sent to the bank that I have been paying them. I live on social security and I need access to my funds. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: NY

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XX/XX/XXXX XXXX XXXX Bank ( XXXX ), XXXX. 
Attn : Credit Bureau Disputes Department Re : Response to CFPB Correspondence / Credit Reporting Dispute Accounts Ending in XXXX and XXXX Dear XXXX  XXXX Representative, I am writing in response to your recent correspondence regarding my Consumer Financial Protection Bureau ( CFPB ) complaint. I appreciate your reply, but I must respectfully disagree with several points in your findings. 
Account Ending in XXXX You stated that XXXX XXXX confirmed we are no longer reporting this account to the Consumer Reporting Agencies ( CRAs ). If that is accurate, please provide written confirmation that this account has been permanently deleted from all CRAs files and will not be reinserted in the future. 
Under 15 U.S.C. 1681s-2 ( b ) of the Fair Credit Reporting Act ( FCRA ), once an account is determined to be unverifiable or no longer being reported, the furnisher must cease reporting and ensure deletion from all applicable credit files. Please also confirm whether XXXX XXXX has sent deletion instructions to all major bureaus ( Equifax, Experian, and TransUnion ). 
Account Ending in XXXX You state this account was correctly charged off on XX/XX/XXXX, and continues to report accurately to Experian. However, based on my records, this account was paid in full prior to charge-off and should not have been classified or reported as such. If XXXX XXXX maintains otherwise, please provide documented verification supporting your claim, including : 1. A complete payment history for this account ; 2. The final balance due at the time of charge-off ; 3. Evidence that XXXX XXXX properly credited all payments ; and 4. Any documentation used to validate that the charge-off status is accurate. 
If XXXX XXXX can not provide full verification as required under FCRA 623 ( a ) ( 1 ) ( A ), this information must be corrected or deleted immediately. Continuing to report unverifiable or inaccurate data constitutes a violation of the Fair Credit Reporting Act and may result in further regulatory or legal action.

Please treat this as a formal request for reinvestigation and provide written confirmation of all corrective actions within 30 days of receipt of this letter, as required under federal law. 
Thank you for your prompt attention to this matter. I expect a full written response detailing the status of both accounts and any updates provided to the credit reporting agencies. 
Sincerely, XXXX XXXX Relevant FCRA Citations : 15 U.S.C. 1681s-2 ( b ) : Requires furnishers of information to investigate disputed information and correct any inaccuracies found.

FCRA 623 ( a ) ( 1 ) ( A ) : Prohibits the reporting of information known or believed to be inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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:
THE REPORTED LATE PAYMENT IS A MISTAKE ON YOUR END.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XXXX years ago I went through a debt consolidation with XXXX companies so with this dispute with CareCredit, it was it was closed on XX/XX/XXXX. The account has been charged off, closed, profits and loss right off. its been XXXX years and no attempt to receive payment. I did go through XXXX debt collection companys. XXXX XXXX XXXX they werent taking care of paying off my debt, with the payments I paid to beyond finance so I went to sage credit company. Seems to me all my past credit debt is been closed., charged off. Care credit card was for a dental procedure. Synchrony bank is the name on my papers I was served for court, company seems to be combined now with care credit. Possible Synchrony bank bought my out credit debt from care credit. So I was served to got to court by a XXXX  court case. They havent attempted to receive payment for years until now. My court date is set for XX/XX/XXXX. I need 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 2025-11-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: MA

Complaint narrative:
We received an email on XX/XX/XXXX for a square " bill pay transaction '' we did not setup nor do we use the bill pay option. There were 2 request for payments. 1 @ {$1900.00} & 2nd @ {$2900.00}. The {$2900.00} was automatically denied as over limit. We immediately called square to report fraud. They were unable to see pay request in their system and requested we forward the emails we received and to call our bank immediately. Which we did. It was a holiday weekend and needed to wait until Tuesday to visit in person. We have taken all suggested security options from square and bank. Changed our passwords, emails, got new bank cards. We have called square every business day for 3 weeks with no resolve. They released the {$1900.00} and have held every deposit since. We could understand maybe the {$1900.00} being held while under review but they are holding all monies. We have not received a payment in XXXX weeks. Our bank account is negative, we are incurring bouncing fees, our employees and rent need to be paid. Everyday we are told 1-2 days & a manager will call us. Neither has happened. You can not speak to a manager. The online bot can not help. We are at our breaking and can not survive pleas help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: CT

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED 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 explanation
Consumer complaint received 2025-11-03 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: TX

Complaint narrative:
Subject : Immediate Action Required Violation of My Consumer Rights This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: CA

Complaint narrative:
These are inaccurate items. They show as late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ProCollect, Inc.
State: FL

Complaint narrative:
A collection account from ProCollect was added to my credit report on XX/XX/year>, for an alleged balance related to my former apartment. I was never contacted or provided with any written notice or debt validation before the account was reported, which violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ).

I first became aware of this collection after noticing a sudden drop in my credit score. I immediately contacted ProCollect by phone on XX/XX/XXXX to request information and was told to email my account number and reason for inquiry. I have since requested written validation of the debt, but have not received proof of the balance, any notice from the original creditor, or verification of the amount. 

Despite this written request sent over a month ago, I have not received any response or documentation, and the collection remains on my credit report. Because this debt was reported without notice or validation, it is inaccurate and damaging to my credit. I am requesting that the CFPB investigate and that this collection be deleted or corrected until proper validation is provided.

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