vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-26 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: WA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-09-26 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: MI

Complaint narrative:
This has been an ongoing issue with Synchrony Bank since XXXX of this year. They stated that I owned {$520.00} XXXX on my bill even after I spoke with company representatives and sent all requested information by mail twice and had my bank directly fax the information, including copies of the checks showing the checks cleared with synchrony bank 's stamp on the back of the checks. The representatives I spoke with said they could clearly see the copies of the checks I sent. I received a total of XXXX letters from synchrony from XXXX. Of note, the XX/XX/XXXX letter stated that the payment of {$520.00} was received on XX/XX/XXXX that had been missing from my account and had now been corrected. I received another letter on XX/XX/XXXX stating that the payment of {$130.00} was received on XX/XX/XXXX that was also missing from my account and it had been corrected. This should have been the end of this dispute. However, I received another letter from Synchrony on XX/XX/XXXX stating they were researching the dispute and a temporary credit was issued. I was completely confused at this point. I receive a second letter also dated XX/XX/XXXX asking for more information. I had no new information to send as they already had multiple copies of the cleared checks ( front and back ) that showed synchrony bank did in fact received them and stamped them. On XX/XX/XXXX I received another correspondence from Synchrony saying they were reversing the temporary credit and closing the claim. I have spoken with numerous representatives over 7 months to try to resolve this matter to no avail. Through my own research after the XX/XX/XXXX letter ( out of an abundance of frustration ) I discovered that neither charge was ever billed to my account. My husband 's account had those charges on his XXXX and XXXX statements and they were paid in full. So why is this still not resolved when clearly the charges were paid? In addition, Synchrony stated I owed these charges when there was no billing documentation that this was ever the case. I faxed a letter to the dispute team on XX/XX/XXXX stating the facts of this frustrating problem with their handling of this situation and to this date I have not heard back from the dispute team. I have been totally stressed out by this situation. They put the charges back on my monthly billing statement along with fees that I have no intention of paying. I believe they have also reported me to the major credit bureaus. I have a high credit rating that I pride myself on and I don't want this absolute foolishness to affect that.

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 2025-09-26 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: MD

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 non-monetary relief
Consumer complaint received 2025-09-26 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It XXXX Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency XXXX furnish a consumer report und the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

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 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have contacted Transunion multiple times about my account. I was a consumer that was affected by the data breach and no further action was taken when information was requested. I even updated my consumer statement including FCRA rights that I felt were violated. XXXX minute after resubmitting the dispute, it was already reviewed and closed out. There are things constantly being added that I can not get off. I have not opened any new accounts in years and the dates that are posted are not matching up, but nothing seems to get removed. I am exhausted with this ongoing battle.

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 2025-09-26 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: TN

Complaint narrative:
I demand immediate deletion of the disputed accounts and verification of compliance with federal law. I also seek full investigation into the bureaus willful violations and request penalties and damages as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
I sold a tablet through online market : XXXX, on XX/XX/year>. The buyer used Paypal to pay for the item. This was a private, one time sale. 
Paypal blocked my account requiring verification information, including the shipping/tracking for the sold item. I provided all verification information. 
On XX/XX/year> Paypal said my account has been permanently deactivated, giving no rationale for the action. I contacted XXXX via email as they don't allow contact in any other form. All of Paypal protections are for buyers, they lack protection for sellers. Paypal simply said it was " safety '' and nothing else. They are holding the funds for XXXX days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mortgage Research Center, LLC
State: PA

Complaint narrative:
I closed on at the end of XXXX, XXXX now on the third entity that is carrying my loan. I guess I feel uneasy about the whole process. Seems suspicious Thanks

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 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am contacting you in regard to several charged-off and collection accounts that are currently listed on my credit report. I am taking steps to rebuild my credit and resolve any legitimate debts, and I respectfully request your cooperation in doing so. 
Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to : Dispute inaccurate or outdated information Request validation of any collection accounts Be free from continued reporting of unverifiable items Receive confirmation of any changes made to my credit report XXXX  Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXriginal creditor : XXXX XXXX XXXX XXXX {$580.00} XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXXXXXX {$330.00} XXXX  XXXX  XXXX Original creditor : XXXX  XXXX {$300.00} XXXX XXXX  Original creditor XXXX XXXX XXXX XXXXXXXX {$300.00} XXXX XXXX XXXX XXXX  Original creditor : XXXX  XXXX XXXX XXXX {$250.00} XXXX Original creditor : XXXX XXXX XXXXXXXX {$160.00} XXXX  XXXX {$640.00} XXXX XXXX XXXX  XXXX {$590.00} XXXX XXXX XXXX {$9700.00} XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXXXXXX {$0.00}

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 2025-09-26 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: GA

Complaint narrative:
I am contacting you in regard to several charged-off and collection accounts that are currently listed on my credit report. I am taking steps to rebuild my credit and resolve any legitimate debts, and I respectfully request your cooperation in doing so. 
Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to : Dispute inaccurate or outdated information Request validation of any collection accounts Be free from continued reporting of unverifiable items Receive confirmation of any changes made to my credit report XXXX  Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXriginal creditor : XXXX XXXX XXXX XXXX {$580.00} XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXXXXXX {$330.00} XXXX  XXXX  XXXX Original creditor : XXXX  XXXX {$300.00} XXXX XXXX  Original creditor XXXX XXXX XXXX XXXXXXXX {$300.00} XXXX XXXX XXXX XXXX  Original creditor : XXXX  XXXX XXXX XXXX {$250.00} XXXX Original creditor : XXXX XXXX XXXXXXXX {$160.00} XXXX  XXXX {$640.00} XXXX XXXX XXXX  XXXX {$590.00} XXXX XXXX XXXX {$9700.00} XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXXXXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXX XXXX XXXX-VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court ( XXXX XXXX XXXX ) that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : XXXX. XXXX. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXX XXXX XXXX-VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court ( XXXX XXXX XXXX ) that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : XXXX. XXXX. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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:
I am formally disputing a late payment listed on my credit file. My payment records confirm that no late payment occurred, and therefore, this reporting is inaccurate. This error is damaging to my creditworthiness and requires immediate correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am the trustee of the XXXX XXXX XXXX XXXX XXXX XXXXXXXX, an irrevocable trust. On XX/XX/year>, I went to Truist Bank to open a trust checking/savings account for the trust. 

During the application process, Truist Bank repeatedly pulled my personal XXXX consumer report XXXX times. Despite having all proper documentation for the trust, they denied the account based on my personal consumer information, not the trusts XXXX or financial standing. 

The denial prevented me from performing my fiduciary duties as trustee. The trust is a separate legal entity, and under federal law, the trustees personal credit history is irrelevant for trust account opening. 

I believe Truist Banks actions were improper because : They misused a consumer report for a purpose outside the FCRAs permissible scope ( 15 U.S.C. 1681b ). 

They ignored trust law principles, which recognize an irrevocable trust as a separate legal entity from the trustee ( Restatement ( XXXX ) of Trusts ; XXXX XXXX XXXX XXXX, XXXX ). 

They failed to follow federal XXXX rules ( 31 C.F.R. 1020.220 ), which treat the trust as the customer for account opening, not the trustee personally.

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 2025-09-26 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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. Account # XXXX, has violated my rights 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 an account without my written instructions.

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 2025-09-26 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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. Account # XXXX, has violated my rights 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 an account without my written instructions.

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