vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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 2025-07-17 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: PA

Complaint narrative:
I am submitting this report due to inaccuracies on my credit report stemming from a system error, as confirmed by Equifax, which resulted in my personal information being leaked and used improperly. Ive been denied credit because of this issue, and I request immediate correction within XXXX business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I received a billing statement from TJX Rewards Credit Card ( Synchrony Bank ) for account ending in 6552. The statement shows two purchases made on XX/XX/year>, in XXXX XXXX  totaling {$190.00}. 

However, I never opened this account, never authorized these purchases, and I have never visited XXXXXXXX XXXX These transactions do not exist in my bank records, and I have proof. 

My only legitimate TJX account was opened on XX/XX/year>, and I was issued a temporary shopping pass with account ending in XXXX. That is the only account I used and only once. 

Despite this, I was sent a bill for account XXXX, which is not mine, and the non-payment of that account was reported to credit bureaus lowering my credit score unfairly.

I contacted Synchrony Bank by email ( to XXXX ) and provided all documentation : - Copy of the statement with account XXXX - My temporary shopping pass ( XXXX ) - Screenshots of my bank activity from XX/XX/XXXX - My current address and ID I request : XXXX. Full investigation of the fraudulent account XXXX XXXX. XXXX correction of credit reporting XXXX. Full removal of this account and associated debt from my name 4. Restoration of my credit score I can upload all supporting documents if needed.

Please help me resolve this urgent matter. Thank you.

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 2025-07-17 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: NY

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: AZ

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit report all of which I did not initiate, authorize, or recognize. I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: Capital Management Services, LP
State: NV

Complaint narrative:
I signed up for an online promotion for a flight reservation through XXXX XXXX which required applying for a credit card. Once the application was accepted, I proceeded to make an online reservation. After making the reservation unfortunately, the layover was not going to work for the family. I then called frontier airline to cancel the reservation and make the appropriate one which at the time they stated to go ahead and cancel the reservation and make the correct selection online. Unfortunately, I was not able to make a new reservation after canceling because I did not have access to the card at the time. When I received my card in the mail, I did nothing with it not even activating it, because I had not used it yet. Under terms and agreements as long as I cancel within XXXX hours of reservation I will receive full credit. Because my partner was able to make the reservation using the same process, ( mind you we live in the same house ) I proceeded to cancel my card well within the timeline of XXXX hours of even applying for the card to prevent any charges. XXXX send me a billing statement within the first 30 days for the full amount. After speaking on the phone with representatives and management, and giving them a cancellation number and date with appropriate information as requested, they proceeded to send me XXXX statements in the mail in regards to canceling and closing the account ( verification leters ) because of our ongoing back-and-forth explaining to multiple departments and management of thier our issues and thier disregard. On or about the month of XXXX I happen to be checking my credit report and come to find out that they have posted the complete amount straight to collections without notice. In the month of XXXX, I received a collection notice from a company other than XXXX, which was cause for alarm and fraudulent misconduct. Multiple state, and federal violations, as well as within their own terms and conditions on multiple instances. Not to mention the enormous hit it took to my credit over XXXX points within a matter of 30 days that affected a multitude of events afterwards.

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 2025-07-17 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: DC

Complaint narrative:
I received a credit report from them and there are some companies that I'm unfamiliar with. It looks like they put an inquiry on my file without me knowing, but this shouldn't be possible unless it's something approved by me first!

The U.S. Code 15 USC 1681 ES Seg Section 604 states that all users must have a permitted purpose under the Fair Reporting Act to obtain consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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:
I have no knowledge of these inquiries, and they seem to be unauthorized and possibly fraudulent. I request immediate action to resolve this matter. Please review the attached documents for further clarification.

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 2025-07-17 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: IL

Complaint narrative:
This company has been hitting my credit with this Collection Account, it's stopped me from buying a house, and now stopping me from Refinancing on my house which is apart of the XXXX XXXX XXXX. CREDIT BUREAUS SHOULDN'T BE ABLE TO KEEP BAD REMARKS ON MY CREDIT AND KEEP POSTING TO MY CREDIT REPORT AS IF I STILL HAVE THIS ACCOUNT XXXX XXXX Last reported XX/XX/year> {$390.00} Reported balance

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: IL

Complaint narrative:
This company has been hitting my credit with this Collection Account, it's stopped me from buying a house, and now stopping me from Refinancing on my house which is apart of the XXXX XXXX XXXX. CREDIT BUREAUS SHOULDN'T BE ABLE TO KEEP BAD REMARKS ON MY CREDIT AND KEEP POSTING TO MY CREDIT REPORT AS IF I STILL HAVE THIS ACCOUNT XXXX XXXX Last reported XX/XX/year> {$390.00} Reported balance

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 2025-07-17 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: NY

Complaint narrative:
I am disputing inaccurate and unverifiable information on my credit report under the FCRA, FDCPA, and Metro 2 guidelines. Some accounts contain reporting errors, outdated info, or may be due to identity theft. I'm requesting a reinvestigation and deletion or correction of all applicable items. A full letter and supporting documents are uploaded.

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 2025-07-17 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to send money to another person
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
My experience with Money Network ( XXXX XXXX XXXXXXXX ) in trying to access my XXXX funds has been abysmal. For starters, Money Networks has a very confusing and unhelpful XXXX and process which requires a convoluted online account setup in order for users to access their funds. In addition, they have a nearly-impossible-to-reach-a-live-human phone tree. I had multiple issues setting up my account to activate my card so that I could access my XXXX funds. After multiple calls over several hours, I was finally able to set up my online account, where at that point, I tried to transfer funds to my bank account only to have the transfer fail. No explanation for the failure was given by the many Money Network representatives and supervisors I spoke with. 
Ultimately, all they could advise me to do was to simply use the card or use XXXX of the fee-based methods to access the funds. The issue with this is that I will either XXXX ) be charged a fee to use the card, or XXXX ) will be unable to fully utilize all of the funds on the card, leaving behind some amount that I am guessing will ultimately be forfeited. 
In summary, I found the Money Network web site to be unhelpful and unusable, the people to be unhelpful and powerless, and the overall process to feel predatory and more like a scam than a valid business service. 

I would like to respectfully request that if the XXXX insists on using a debit card-based method of payment, that they find a financial services enterprise that values a positive user experience and has processes in place that allow users to actually fully utilize the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: IL

Complaint narrative:
My account was compromised and money was taken out of my account without my knowledge. I contact Cashapp and they told me to send in details about the fraudulent transaction. I did and showed them Ive got my Cashapp card with me so I dont understand how money was taken out. I gave them pictures and showed them I was at work with my timesheet. They deny my claim without showing me any evidence of how they denied it. I could never talk to an actual manager and they always said a manager was gon na call me back and he never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: MD

Complaint narrative:
To Whom It XXXX Concern I am filing this formal complaint to report serious inaccuracies and violations present in my credit file that are negatively impacting my creditworthiness I am a victim of inaccurate data furnishing and multiple violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) despite my attempts to correct these errors directly with the credit bureaus my concerns remain unresolved and reinvestigations were either not performed properly or not at all I am requesting the CFPB to urgently intervene and take regulatory action to ensure compliance accuracy and justice in my case I am listing all items individually below with supporting details law violations and my demand for deletion. 
ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$2300.00} Status : Late Payment Issue : This account is reporting a late payment inaccurately. I have not received any verifiable billing statements or legal notices indicating a delinquency for the reported date. This entry is harming my credit profile and is not supported by documented evidence. 
Law : FCRA 607 ( b ) requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy.

Story : I believe this is a result of a reporting error or incorrect posting. I always strive to maintain my accounts in good standing. No valid documentation was provided to support the alleged lateness. I am requesting immediate reinvestigation and deletion if verification can not be produced. 
INQUIRY XXXX XXXX XXXXXX/XX/XXXX Issue : This is a duplicate unauthorized hard inquiry from XXXX XXXXXXXX. I dispute this as a duplicate entry or unauthorized access. 
Law : Under FCRA 604 ( a ), inquiries must have consumer-initiated purpose and must not be excessive or duplicative in nature.

Story : I am concerned that my information may have been accessed multiple times improperly without any new application or credit transaction. This redundant inquiry is damaging and was not authorized by me. Please investigate and remove. 
In conclusion these multiple errors and violations have caused me unjustified harm and financial distress the credit bureaus and furnishers have clearly failed to meet their obligations under federal laws I am requesting the CFPB to demand a full reinvestigation of each item removal of all inaccurate information and potential punitive action against any party that continues to violate consumer protection statutes thank you for your attention and swift action in resolving these matters.

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 2025-07-17 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: PA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : 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 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 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 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

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 2025-07-17 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:
I am filing this complaint because the credit bureau has continued to report fraudulent account resulting from identity theft, despite my formal disputes and submission of supporting documentation ( including an FTC Identity Theft Report ). More seriously, the bureau has reinserted previously deleted fraudulent account without the proper certification from furnishers and without providing the required consumer notice, in direct violation of FCRA 1681i ( a ) ( 5 ). This misconduct is not an isolated incident. In fact, credit bureaus were sued late last year for the exact same unlawful practice, demonstrating a broader pattern of disregard for the Fair Credit Reporting Act and consumers ' rights.The bureau has failed to conduct a reasonable reinvestigation under FCRA 611 ( a ) / 15 U.S.C. 1681i, has not provided written verification or original documentation proving the legitimacy of the account, and continues to report unverifiable negative information, harming my credit and causing ongoing distress. XXXX XXXX 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 explanation
Consumer complaint received 2025-07-17 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I am seeking a settlement with Citibank for a charged-off account and have submitted a formal Pay-for-Delete request. I request CFPB oversight to ensure that any settlement results in full deletion of the account as permitted under the FCRA.

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