vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-29 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: FL

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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no 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
Consumer complaint received 2025-12-29 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: FL

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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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: FL

Complaint narrative:
These inaccuracies have caused significant harm to my creditworthiness and its frustrating. Despite of my multiple complaints being submitted with documentation, I believe that credit bureaus are in violation. 
This conduct is not a mere oversightit is a deliberate and reckless violation of federal law. 
By continuing to report unverifiable information after multiple disputes, the bureaus have demonstrated willful noncompliance under FCRA 1681n. Such willful disregard for statutory obligations exposes them to full statutory damages, punitive damages, and immediate enforcement action. Their pattern of behaviour reflects a conscious choice to ignore consumer rights and therefore demands decisive regulatory intervention and accountability.

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 2025-12-29 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: FL

Complaint narrative:
These inaccuracies have caused significant harm to my creditworthiness and its frustrating. Despite of my multiple complaints being submitted with documentation, I believe that credit bureaus are in violation. 
This conduct is not a mere oversightit is a deliberate and reckless violation of federal law. 
By continuing to report unverifiable information after multiple disputes, the bureaus have demonstrated willful noncompliance under FCRA 1681n. Such willful disregard for statutory obligations exposes them to full statutory damages, punitive damages, and immediate enforcement action. Their pattern of behaviour reflects a conscious choice to ignore consumer rights and therefore demands decisive regulatory intervention and accountability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged Off Accounts : XXXXXXXX XXXX XXXXXXXX, XXXX, XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$11000.00} Inquiries : XXXX  XXXX XXXX, XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Late Payments : XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX 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 2025-12-29 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: DISCOVER BANK
State: CA

Complaint narrative:
Unknown person stole my identity and opened fraudulent account in my name without my knowledge or consent. Please investigate and catch this person ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: TX

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose In Accordance with the fair credit reporting act convergent account # 12345, has violated my rights 15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purposes.

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 2025-12-29 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Dear Sir/Madam, I am writing to file a dispute regarding several inaccuracies on my credit report. Below are the details of the accounts in dispute, categorized by bureau. 

Charged Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$490.00} Inquiries : XXXX XXXX  Date : XX/XX/XXXXXXXX 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 explanation
Consumer complaint received 2025-12-29 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: 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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-12-29 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: 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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: NY

Complaint narrative:
I am filing a complaint regarding inaccurate and questionable information being reported by TransUnion. I am requesting CFPB oversight to ensure TransUnion complies with the Fair Credit Reporting Act and corrects or removes any unverifiable items. 

XXXX. Inquiries in Dispute XXXX, Dated XX/XX/scrub>XXXX XXXXXXXX, Dated XX/XX/scrub>XXXX XXXXXXXX, Dated XX/XX/scrub>XXXX  I do not recall authorizing these inquiries. Please investigate their source and remove any that can not be confirmed as permissible under FCRA 604. 

XXXX. Late Payments in Dispute XXXX XXXX, Account ending XXXXXXXX XXXX XXXX XXXXXXXX XXXX, Account ending XXXX XXXX XXXX XXXX, Account ending XXXX XXXX XXXX Please verify the accuracy of the reported delinquencies and update or delete any that can not be validated by the original creditor. 

XXXX. Previous Address XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX This address is outdated and not associated with my current accounts. Please remove it from my TransUnion credit file.

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 2025-12-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: Block, Inc.
State: MA

Complaint narrative:
I took out a {$100.00} Cash App Borrow loan. When the loan became overdue, {$70.00} that was sent to my Cash App account was automatically applied toward the balance, leaving approximately {$40.00} owed. On or about XX/XX/year>, Cash App then withdrew {$100.00} from my linked bank account for loan repayment. However, this payment was not applied correctly. The Borrow balance still shows approximately {$40.00} owed, meaning the {$100.00} withdrawal was not credited to the loan. This resulted in an overpayment and an incorrect remaining balance. I contacted Cash App support multiple times and turned off autopay, but I have not received an explanation, correction, or refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: MS

Complaint narrative:
I am submitting this complaint regarding continued inaccurate credit reporting and obstruction of my dispute rights by XXXXXXXX XXXX XXXXXXXX, despite prior disputes and a CFPB investigation. 

I previously disputed late payments reported on my XXXXXXXX XXXX account. After those disputes, the late payment history became inconsistent across the credit bureaus, as follows : Experian : XXXX late payments TransUnion : XXXX late payments Equifax : XXXX late payments These materially conflicting records for the same account can not all be accurate and violate the Fair Credit Reporting Acts requirement of maximum possible accuracy under 15 U.S.C. 1681e ( b ). 

Additionally, before I initiated disputes, this account was reported in good standing across all three credit bureaus. Only after my disputes did the late payment counts increase and diverge, indicating improper handling of the investigation. 

Further, XXXX XXXX  has attempted to refuse or obstruct my disputes by asserting that I may be working with a credit repair business and demanding wet ink authorization. This conduct is improper and unlawful. The FCRA does not prohibit consumers from disputing through an authorized agent, nor does it permit a furnisher to ignore or reject disputes on that basis. This constitutes a violation of 15 U.S.C. 1681s-2 ( b ). 

Despite notice, XXXX XXXX  has failed to : Ensure consistent and accurate reporting across all credit bureaus Provide verification explaining the differing late payment histories Correct or delete inaccurate late payment information Requested Resolution I respectfully request that the CFPB require XXXX XXXX  XXXX to : Conduct a lawful and reasonable reinvestigation as required by FCRA 1681s-2 ( b ) Correct or delete all inaccurately reported late payments Ensure uniform and accurate reporting across Equifax, Experian, and TransUnion Cease obstruction of my lawful dispute rights If XXXX XXXX  can not substantiate the accuracy of the reported late payments with documented verification, the account information must be corrected or deleted.

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 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I discovered that multiple credit card accounts were opened and/or used in my name without my knowledge or authorization. I did not apply for these accounts, did not benefit from them, and was unaware of their existence until I reviewed my credit reports. 

These fraudulent accounts were closed by the creditors and later reported as charge-offs, causing significant damage to my credit. I believe my personal identifying information was compromised and used by an unknown individual or individuals without my consent. 

Upon discovering this fraud, I immediately contacted the credit bureaus and the affected creditors, and I filed a police report documenting the identity theft. I am submitting this report to formally document the identity theft and to request correction and removal of all fraudulent accounts from my credit reports. 

I affirm that the information provided in this report is true and correct to the best of my knowledge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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: AZ

Complaint narrative:
1st Company is Transunion- is failing to look into my documents with 2nd CompanyXXXX XXXX and when I disputed this account for the XXXX or XXXX time showing proof of contract with fraud, my credit report dropped by XXXX. 
I was not aware of a dispute lowering your score when their were NO CHANGES to the account. 
3rd XXXX XXXX I provided proof of the Purchase being under a promo & how the 1st cell phone bill their was charges that were NOT in the agreement 4th XXXX XXXX  debt collector for XXXX & being harassed by the company, when I would call to process the payment they would try a week later to clear. 
5th Equifax as well with the same accounts 6th Experian is having XXXX show on my credit report then dissappear. 
7th All 3 Credit Bureaus Transunion, Equifax & Experian show different Terms & show wrong dates of payments with XXXX. 
Transunion has been EXTREMELY SNEAKY with my account alongside with XXXX. As well in my documents you can see a " XXXX XXXX XXXX '' account taking 2 years for a result when that account has been removed. It is Transunion trying to make it seem like it was one of the accounts just disputed got " resolved '' thinking I would not catch on. 
These accounts need to be ENTIRELY COMPLETELY % 100 REMOVED IN TOTAL FROM ALL 3 CREDIT BUREAUS MY CREDIT REPORTS. THEY ARE ALL FAILING TO COMPLY WITH F.C.R.A & T.I.L.A

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: AZ

Complaint narrative:
1st Company is Transunion- is failing to look into my documents with 2nd CompanyXXXX XXXX and when I disputed this account for the XXXX or XXXX time showing proof of contract with fraud, my credit report dropped by XXXX. 
I was not aware of a dispute lowering your score when their were NO CHANGES to the account. 
3rd XXXX XXXX I provided proof of the Purchase being under a promo & how the 1st cell phone bill their was charges that were NOT in the agreement 4th XXXX XXXX  debt collector for XXXX & being harassed by the company, when I would call to process the payment they would try a week later to clear. 
5th Equifax as well with the same accounts 6th Experian is having XXXX show on my credit report then dissappear. 
7th All 3 Credit Bureaus Transunion, Equifax & Experian show different Terms & show wrong dates of payments with XXXX. 
Transunion has been EXTREMELY SNEAKY with my account alongside with XXXX. As well in my documents you can see a " XXXX XXXX XXXX '' account taking 2 years for a result when that account has been removed. It is Transunion trying to make it seem like it was one of the accounts just disputed got " resolved '' thinking I would not catch on. 
These accounts need to be ENTIRELY COMPLETELY % 100 REMOVED IN TOTAL FROM ALL 3 CREDIT BUREAUS MY CREDIT REPORTS. THEY ARE ALL FAILING TO COMPLY WITH F.C.R.A & T.I.L.A

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