vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-08 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future 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 explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: WV

Complaint narrative:
This lady said she had a product for sale so I sent her the money off of cash app which was {$40.00} and she scammed me blocked me on everything and took my money I never received my order. I have tried complaining to cash app they arent doing anything and I have reached out/ requested a refund from her and she keeps declining me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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 am filing this complaint because all three credit reporting agenciesExperian, Equifax, and TransUnionare reporting multiple unauthorized credit inquiries on my credit file. I did not give permission, written authorization, or any form of consent for these companies to access my credit report. These inquiries have harmed my credit score and violate my rights under the Fair Credit Reporting Act ( FCRA ).

I contacted the bureaus to dispute these inquiries, but : My disputes were closed without proper investigation, The bureaus verified inquiries without providing proof of my authorization, I was told that inquiries can not be deleted, which is false under FCRA 604, because any inquiry lacking permissible purpose must be removed.

This shows the bureaus did not perform a reasonable reinvestigation as required under FCRA 611.

Specific Issues : ( Replace with yours or leave general ) Companies pulled my credit report without a permissible purpose. 

I did not apply for credit, loans, services, or authorize these businesses. 

The bureaus continue to report these inquiries even though no signed application or authorization exists. 

The bureaus did not provide documentation proving how these companies obtained my report.

This is a violation of FCRA 604 ( a ), which limits access to my credit report only with my consent or for a legally defined purpose.

FCRA Violations Involved : FCRA 604 ( a ) No permissible purpose ; access without authorization FCRA 607 ( a ) Failure to maintain reasonable procedures to prevent unauthorized access FCRA 611 Failure to conduct a reasonable reinvestigation FCRA 602 Failure to ensure fairness and accuracy in reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: TX

Complaint narrative:
I am filing this complaint because all three credit reporting agenciesExperian, Equifax, and TransUnionare reporting multiple unauthorized credit inquiries on my credit file. I did not give permission, written authorization, or any form of consent for these companies to access my credit report. These inquiries have harmed my credit score and violate my rights under the Fair Credit Reporting Act ( FCRA ).

I contacted the bureaus to dispute these inquiries, but : My disputes were closed without proper investigation, The bureaus verified inquiries without providing proof of my authorization, I was told that inquiries can not be deleted, which is false under FCRA 604, because any inquiry lacking permissible purpose must be removed.

This shows the bureaus did not perform a reasonable reinvestigation as required under FCRA 611.

Specific Issues : ( Replace with yours or leave general ) Companies pulled my credit report without a permissible purpose. 

I did not apply for credit, loans, services, or authorize these businesses. 

The bureaus continue to report these inquiries even though no signed application or authorization exists. 

The bureaus did not provide documentation proving how these companies obtained my report.

This is a violation of FCRA 604 ( a ), which limits access to my credit report only with my consent or for a legally defined purpose.

FCRA Violations Involved : FCRA 604 ( a ) No permissible purpose ; access without authorization FCRA 607 ( a ) Failure to maintain reasonable procedures to prevent unauthorized access FCRA 611 Failure to conduct a reasonable reinvestigation FCRA 602 Failure to ensure fairness and accuracy in reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: MO

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: MO

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

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 2025-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I filed a previous complaint with the CFPB on XX/XX/year> regarding USAA blocking my ability to make external transfers and therefore limiting access to my funds. They sent the complaint to the CEO office, and I worked with XXXX to resolve the problem. That problem has recurred a couple of times, but I worked with XXXX to find ways around it. The current problem is that USAA had locked me out of the bill pay system. I have monthly bills which are scheduled to automatically pay, and I have no idea whether these bill will be paid or not. They have deleted all payees in the system and blocked my ability to add new payees or see any activity. Once again USAA is restricting my ability to manage funds that I have on deposit with them by blocking account features which were advertised as part of the account when I opened it. I am not asking for any special treatment, I simply need access to the basic account management features which USAA offers and advertises. I have tried working with XXXX to solve the current problem and she suggested I call Cust Svc to have my account re-verified- which I but it did not resolve the problem. She also advised me if that did not work to file a complaint with the CEO 's office so they could continue researching the problems I'm experiencing with my checking account. I filed a CEO complaint by calling Cust Svc, but they advised me there was no way to confirm ( confirmation/complaint # or email ), and I would just have to wait for someone to call me. Then I asked when I could expect a call, I was told they did not know. I asked should I wait one day, one week, one month ...? The customer service rep stated they did not know. I called XXXX and left a message to see if I could confirm they received the latest complaint. I have not heard back from anyone at USAA so I am filing another complaint with the CFPB in hopes of getting this problem resolved before it has an impact on my bills which are due and may go unpaid. 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 non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I deposited {$75000.00} in a CD account to yield 3 percent interest rate for 10 years. I used the name XXXX XXXX XXXX. 

I requested paper bank statements to go to XXXX XXXX XXXX, XXXX, Washington, XXXX and waited three months and there was none. I then asked to break the CD account and the request was denied. I never received a bank statement with the account number. 

I went to the bank in XXXX and requested an emergency withdrawal to do business in the District. Again, that request was denied. 

In XXXX, I requested the emergency withdrawal again. And they have the teller, XXXX XXXX, said he was going to take the money linked to my other accounts at XXXX XXXXXXXX XXXX. He told me he knew about my bank accounts in XXXX XXXX XXXX and XXXX XXXX. 

But he didn't make a transaction to give me any money. He still stalks me to banks to rob me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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:
I am formally disputing the accuracy completeness and lawful reporting of the charge-off account currently appearing on all 3 credit reports. Under 15 U.S.C 1681 you are required to conduct a reasonable reinvestigation. 
A signed contract or application bearing my signature A complete payment history record Proof the account was lawfully charged off Chain of custody/ownership if the account was sold or transferred Date of first delinquency as required under FCRA Proof the finisher is reporting with permissible purpose and accuracy 1681e ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I am filing a complaint against Synchrony Bank regarding inaccurate and inconsistent information being furnished to the credit bureaus for my XXXX XXXX credit account. 

My credit report shows multiple issues that violate the Fair Credit Reporting Act ( FCRA ) requirements for accurate, complete, and consistent data furnishing. 

1. Inconsistent reporting of late payments Synchrony is reporting 30-day late payments on several occasions. However : The reporting pattern is not consistent across months Some months show current status directly before and after a late payment Several months show ND ( no data furnished ) instead of required payment history Synchrony has not provided me notice or documentation supporting the reported late payments Because the reporting jumps between current, late, and ND, the information appears incomplete and unverifiable. 

2. Missing payment history ( ND months ) My XXXX file contains multiple ND ( no data ) months for this account, which indicates : Synchrony failed to furnish full payment history The account history is incomplete Late payments may have been reported without proper continuity Under the FCRA, a data furnisher must provide accurate and complete information. ND months paired with late-payment reporting create an unverifiable pattern. 

3. No verification of delinquency I have not been provided : Statements showing the exact dates of alleged delinquencies Required notice prior to negative reporting Any supporting documentation Synchrony used to report these lates If the furnisher can not verify the accuracy of each late payment with proper documentation, the negative marks must be corrected or removed.

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 2025-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TrueAccord Corp.
State: AL

Complaint narrative:
I keep getting repeated calls from true accord I have no knowledge of who this debt collector is

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 2025-12-08 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
On XX/XX/XXXX i deposited XXXX into robinhood so i could invest for the first time after about a week my account was deactivated because they said i bought too much crypto at once than they emailed me and told me my funds would be sent back on XX/XX/XXXX its been about a month now and have not heard anything new from them and i cant get in contact with them either!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I was at XXXX & XXXX XXXX trying to get a loan. Something from Experian.com came up saying that I was a minor  and to call and fix it. I have tried to get through to these people and I can not do it. I have called several times and try to talk to a real person and I can't. I cant do anything online like the automated phone tells me to because I cant log in and I have try the link the automated line even text me. They make it impossible to do it. And I am XXXX XXXX XXXX and really needed this money do to emergency and these people have full control of my doing.

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 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint because all three credit reporting agenciesExperian, Equifax, and TransUnionare reporting multiple unauthorized credit inquiries on my credit file. I did not give permission, written authorization, or any form of consent for these companies to access my credit report. These inquiries have harmed my credit score and violate my rights under the Fair Credit Reporting Act ( FCRA ).

I contacted the bureaus to dispute these inquiries, but : My disputes were closed without proper investigation, The bureaus verified inquiries without providing proof of my authorization, I was told that inquiries can not be deleted, which is false under FCRA 604, because any inquiry lacking permissible purpose must be removed.

This shows the bureaus did not perform a reasonable reinvestigation as required under FCRA 611.

Specific Issues : ( Replace with yours or leave general ) Companies pulled my credit report without a permissible purpose. 

I did not apply for credit, loans, services, or authorize these businesses. 

The bureaus continue to report these inquiries even though no signed application or authorization exists. 

The bureaus did not provide documentation proving how these companies obtained my report.

This is a violation of FCRA 604 ( a ), which limits access to my credit report only with my consent or for a legally defined purpose.

FCRA Violations Involved : FCRA 604 ( a ) No permissible purpose ; access without authorization FCRA 607 ( a ) Failure to maintain reasonable procedures to prevent unauthorized access FCRA 611 Failure to conduct a reasonable reinvestigation FCRA 602 Failure to ensure fairness and accuracy in reporting

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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:
Please scrutinize this entry ; it's late and may have errors.

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 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Greetings, I am writing to formally dispute the fraudulent credit inquiries again that are currently listed on my credit report. I previously submitted a dispute request on XX/XX/year> regarding these unauthorized inquiries, but they are still on my credit report. I am following up to insist on a thorough investigation and removal of these inquiries, which were made without my knowledge or consent.

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 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have consistently made punctual payments on this account and request that it be accurately reflected. It is frustrating to encounter this discrepancy given my steadfast history of meeting deadlines.

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 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have consistently made punctual payments on this account and request that it be accurately reflected. It is frustrating to encounter this discrepancy given my steadfast history of meeting deadlines.

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 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Could you re-evaluate this entry? Its late and might be inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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