vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is a repeat complaint against TransUnion for a willful violation of the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/year>, I filed a CFPB complaint regarding inaccurate reporting of a XXXX XXXX XXXX account. 

On XX/XX/year>, TransUnion officially accepted my dispute of this account. 

Under FCRA 611 ( 15 U.S.C. 1681i ), TransUnion was legally required to complete the reinvestigation within 30 days ( no later than XX/XX/year> ) or at most 45 days if additional information was provided ( no later than XX/XX/year> ). 


TransUnion ignored the law. On XX/XX/year> after the deadline had already expired TransUnion responded through the CFPB portal by simply marking the account as Active Dispute and closing the case as Closed with non-monetary relief. 

This is not compliance with FCRA. The law is clear : a credit reporting agency must either verify, correct, or delete the disputed information within the statutory timeframe. Leaving the account as Active Dispute after the deadline is an illegal stall tactic. 

TransUnion is willfully reporting false and unverified data beyond the statutory deadline, causing direct and ongoing harm to my creditworthiness. This is a reckless disregard of federal law and exposes TransUnion to liability under 15 U.S.C. 1681n and 1681o. 

I am filing this repeat complaint to hold TransUnion fully accountable. I demand the immediate and permanent deletion of the XXXX XXXX XXXX account from my credit report. If TransUnion continues to ignore federal law, I will have no choice but to escalate this matter through litigation.

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 2025-10-02 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: TN

Complaint narrative:
I am sending regarding the results of the recent dispute I submitted concerning the accuracy and completeness of the information being reported on my credit file. I appreciate your investigation, but I disagree with the outcome, as the items listed below were returned as " verified '' without providing me with the details of the investigation. 

Items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX INQUIRY - XX/XX/2025, INQUIRY - XX/XX/2025, INQUIRY - XX/XX/2025, INQUIRY - XX/XX/2025, INQUIRY - XX/XX/2025, INQUIRY - XX/XX/2025, INQUIRY - XX/XX/2025, INQUIRY - XX/XX/2025, INQUIRY - XX/XX/2025, INQUIRY - XX/XX/2025 In accordance with the Fair Credit Reporting Act ( FCRA ) & undefined ; 611 ( a ) ( 7 ), I am requesting the method of verification used to determine the accuracy of the disputed items. Please provide the following information for each disputed account : The name, address, and contact information of the entity that provided the information you used to verify the account. 
A description of the procedures used to verify the accuracy and completeness of the disputed account. 
All documentation you have on file retrieved during your investigation. 
Who did you interview regarding the aforementioned account? 

Additionally, I must note that the creditor failed to report the dispute to the consumer reporting agencies as required under FCRA & undefined ; 623 ( a ) ( 3 ). This failure to provide notice of the dispute is a violation of the FCRA, which further undermines the integrity of the reported information. 

I am requesting proof that an actual investigation was indeed conducted and all of the above-requested documentation be sent to me, by mail, within XXXX business days! Given the lack of proper verification and the violation of FCRA obligations, I also request that this account be deleted immediately from my credit report to prevent any further damage to my financial well-being. & undefined ;

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 2025-10-02 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: TN

Complaint narrative:
I am sending regarding the results of the recent dispute I submitted concerning the accuracy and completeness of the information being reported on my credit file. I appreciate your investigation, but I disagree with the outcome, as the items listed below were returned as " verified '' without providing me with the details of the investigation. 

Items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX INQUIRY - XX/XX/2025, INQUIRY - XX/XX/2025, INQUIRY - XX/XX/2025, INQUIRY - XX/XX/2025, INQUIRY - XX/XX/2025, INQUIRY - XX/XX/2025, INQUIRY - XX/XX/2025, INQUIRY - XX/XX/2025, INQUIRY - XX/XX/2025, INQUIRY - XX/XX/2025 In accordance with the Fair Credit Reporting Act ( FCRA ) & undefined ; 611 ( a ) ( 7 ), I am requesting the method of verification used to determine the accuracy of the disputed items. Please provide the following information for each disputed account : The name, address, and contact information of the entity that provided the information you used to verify the account. 
A description of the procedures used to verify the accuracy and completeness of the disputed account. 
All documentation you have on file retrieved during your investigation. 
Who did you interview regarding the aforementioned account? 

Additionally, I must note that the creditor failed to report the dispute to the consumer reporting agencies as required under FCRA & undefined ; 623 ( a ) ( 3 ). This failure to provide notice of the dispute is a violation of the FCRA, which further undermines the integrity of the reported information. 

I am requesting proof that an actual investigation was indeed conducted and all of the above-requested documentation be sent to me, by mail, within XXXX business days! Given the lack of proper verification and the violation of FCRA obligations, I also request that this account be deleted immediately from my credit report to prevent any further damage to my financial well-being. & undefined ;

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
Complaint Summary : Exeter Finance LLC and the credit bureaus are reporting late payments on my account despite being unable to provide procedural evidence required under 15 U.S.C. 1666b. This law clearly states that a payment can not be considered late unless the billing statement was mailed or delivered at least 21 days before the due date. No such evidence has been provided despite multiple disputes. 
Requested Resolution : - Immediate deletion of all late payment notations from my XXXX, XXXX, and TransUnion consumer reports. 
- Investigation into Exeter XXXX LLCs compliance with Truth in Lending Act and Fair Credit Reporting Act obligations. 
- XXXX action if willful noncompliance is established under 15 U.S.C. 1681n.

This is a request for the CFPB to compel the deletion of inaccurate and unverifiable derogatory information and to ensure compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I discovered unauthorized inquiries on my credit report, and I dont understand why its there.

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 2025-10-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: PENNYMAC LOAN SERVICES, LLC.
State: MI

Complaint narrative:
QWR and DVR to verify status of my payments during bankruptcy racket. 

Attorney who claimed she represents PennyMac but who actually get instructions from XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX and from XXXX XXXX XXXX extorted from me {$1500.00} per month payments without any validation During 36 month of this racket ( including my XXXX payment ) I paid XXXX = {$56000.00} The amount od past dues falsely claimed from me was {$27000.00} which included escrow and some bogus fees plus current dues After I paid extorted from me without validation {$1500.00} per month, total {$56000.00} I do not have any past dues at all plus I have about {$2.00} XXXX force placed escrow surplus, stolen from me According to Fidelitys Artificial Intelligence I still owe {$10000.00} for some past dues- which I already paid in full Means nobody applied my payments to any past or present dues Please provide me direct name and contact information to the accountant or bookkeeper who can disclose itemized description how exactly my {$56000.00} were applied and how {$10000.00} past dues- were calculated These non existing past dues include some past dues escrow while I only have surplus and no past dues at all Also, why thus billing statements show only {$17000.00} was received while I paid total {$56000.00} during this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
Subject : Complaint Regarding Best Buy Account Flagging and Credit Card Restrictions To the Consumer Financial Protection Bureau : I am filing this complaint because Best Buy has unfairly flagged my account without providing any explanation, and as a result, I am unable to use any payment method including my Best Buy credit card issued by Citibank.

Background : My Best Buy account has been restricted or flagged. 
No one at Best Buy will tell me why this has happened. 
Because of this, I can not use any payment method on my account, including the Best Buy credit card that I was approved for and have responsibly managed. 
Every attempt to get an answer from Best Buy customer service has resulted in vague or scripted replies, but never a real explanation. 

Why This Is Unfair : I am being denied access to a credit product that I was approved for, with no transparency about why. 
Best Buy has effectively frozen my account without notifying me of any violation or issue that would justify this action. 
As a consumer, I can not address or resolve a problem if the company refuses to disclose it. 
This lack of clarity has caused frustration and unnecessary harm to my ability to shop and use credit as intended. 

Requested Solution : I only ask for one clear, fair resolution : Just remove all the flags or any negative status of my Best Buy account. 

I am not asking for special treatment only that my account be restored to good standing, that I be allowed to use the Best Buy credit card I was approved for, and that any unjustified negative status be removed. 

Why CFPB Involvement Matters : The value of filing this complaint through the CFPB is that I will finally receive a human, readable response in a limited timeframe not another round of excuses or evasions. I trust that CFPBs oversight will ensure Best Buy and its credit card partner provide a transparent, fair resolution. 

Thank you for reviewing this complaint.

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 2025-10-02 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: PA

Complaint narrative:
I hope this message finds you well. I am reaching out to follow up on the correspondence I previously sent regarding an accounts that reflects a late payment. Upon reviewing my credit report, I noted an entry indicating a late payment, and I am writing to request that Experian, Equifax, and TransUnion credit bureaus correct this error promptly. It is imperative that these accounts be accurately represented on my credit report to ensure the integrity of my financial profile. Therefore, I kindly ask for your assistance in rectifying this matter. Below, I have outlined the specific details of the accounts that require correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: PA

Complaint narrative:
I hope this message finds you well. I am reaching out to follow up on the correspondence I previously sent regarding an accounts that reflects a late payment. Upon reviewing my credit report, I noted an entry indicating a late payment, and I am writing to request that Experian, Equifax, and TransUnion credit bureaus correct this error promptly. It is imperative that these accounts be accurately represented on my credit report to ensure the integrity of my financial profile. Therefore, I kindly ask for your assistance in rectifying this matter. Below, I have outlined the specific details of the accounts that require correction.

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 2025-10-02 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 2025-10-02 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: 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 non-monetary relief
Consumer complaint received 2025-10-02 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: NJ

Complaint narrative:
I purchased a {$2300.00} computer that was never delivered, yet Synchrony has been going in circles with my chargeback dispute, despite overwhelming evidence. Over the past 10 months, I have called close to XXXX times and each interaction ends with conflicting information. I have provided proof, including official UPS letters confirming that the shipment was not delivered to me and that a claim was issued to the merchant. 

Synchronys handling of my case has been inconsistent and unprofessional. I have been told by managers and escalation staff on multiple occasions that the matter would be resolved in my favor, due to the supporting evidence that they reviewed manually. Only to be later informed that the dispute was closed without action. For example, on XX/XX/XXXX, a representative named XXXX assured me, after personally reviewing my account and evidence, that I would not be responsible for paying this charge. XXXX is the third person who ASSURED me that after manually reviewing my case, it would be taken care of. Today, just weeks later, another manager claimed the dispute had already been closed a MONTH ago and could not be escalated because it's " not possible ''. How is it not possible when multiple people have told me that it was escalated?

I have been asked to resubmit the same documents multiple times under shifting requirements ( first for a letter with official XXXX letterhead, then to resend the same letter physically because the fax appeared blurry ). Each time I comply, I am told something different by the next representative. The merchant remains unresponsive, XXXX has confirmed liability, and yet Synchrony has failed to uphold its obligations under the Fair Credit Billing Act.

This entire situation is unacceptable. The lack of coordination and the constant going in circles, despite the extensive notes and evidence on my account, demonstrate a systemic failure by Synchrony Bank to protect its customers. I kindly request that this charge be reversed and my account corrected.

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 2025-10-02 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: CA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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 formally documenting unresolved issues with my Equifax credit file. Despite my submission of supporting documentation from the original creditor verifying that the disputed accounts do not belong to me, Equifax has failed to remove these fraudulent and inaccurate accounts from my credit report. 

The continued reporting of these false accounts is causing significant and ongoing harm to my reputation, creditworthiness, and financial standing. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), Equifax is required to conduct a reasonable reinvestigation and promptly delete or correct information that is inaccurate, incomplete, or unverifiable. Your failure to remove these accounts after proper notice and evidence represents clear non-compliance with federal law.

Furthermore, under 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy in the preparation of credit reports. By continuing to report fraudulent accounts despite evidence proving otherwise, Equifax is in direct violation of this provision. 

I demand the immediate deletion of the disputed accounts. Failure to comply will result in escalation, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the State Attorney Generals Office, as well as the pursuit of legal remedies available under the FCRA, which provides for statutory damages, actual damages, attorneys fees, and punitive damages for willful noncompliance. 

Please confirm in writing that these fraudulent accounts have been permanently removed from my credit file within XXXX  days of receipt of this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase unexpectedly closed my 3 credit cards and stated that they discovered patterns of abuse claims process. However, I did not initiate many returns and all the disputes are valid due to delayed return/refund. I called Chase for an explanation and raised the issue that it is unfair to close my account with such a false accusation without previous warning, yet Chase did not respond directly and kept saying that the algorithm and fraud team detected a pattern of abuse claims process, which I did not understand. Most of the disputes I raised are later resolved and I had no intention to make any fraudulant activity by seeking refund. Therefore I am writing this complaint and hope Chase can resolve the issue by revoking the account closure statement and reopen my XXXX credit cards.

Company response to consumer: Closed with explanation