vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-15 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: SC

Complaint narrative:
I am filing a formal complaint because there is inaccurate and/or unverifiable information being reported on my credit report by a consumer reporting agency. I recently obtained a copy of my credit report and found XXXX or more accounts that either do not belong to me, are reported inaccurately, or have already been paid in full. 

I submitted a written dispute directly to the credit reporting agency under the Fair Credit Reporting Act ( FCRA ), specifically citing violations of 1681e ( b ) for failing to ensure maximum accuracy, and 1681i for not conducting a reasonable reinvestigation within the 30-day timeframe.

Despite my demand, the inaccurate information remains on my report, and I have not received sufficient verification or documentation ( such as a signed contract or complete payment history ) to justify the continued reporting of the disputed account. I believe this reflects willful non-compliance with the FCRA and is causing me harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming.

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-07-15 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

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 2025-07-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
Synchrony Bank seems to intentionally hold up money transfers to in-country banks and limits the amount you can send yet it takes the money out of the same account immediately. Example ; I transferred XXXX from XXXX bank  XXXX Synchrony Bank. The money left my XXXX account the next morning but took 5 days to even show with Synchrony. When I called and even escalated, the Manager said, we're a small bank so we do not move quickly. When I tried to move my money back to the same account it was pulled from, they capped at XXXX and per the date of my request, held it for XXXX days before transferring. When I scheduled the remaining XXXX transferred back to the account it was originally pulled from, the sending date was moved out again, XXXX days. My assumption is that they are doing this to hold the money for float. I consider this a divisive practice as they are holding client 's money hostage for profit.

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 2025-07-15 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: TX

Complaint narrative:
I am following up on a previous CFPB complaint where I disputed inaccurate information reporting on my Equifax credit report. Equifax responded by stating that the following accounts were verified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I strongly disagree with this. These accounts are not valid and are continuing to harm my credit. I requested verification and documentation from Equifax and the furnishers, but they have failed to provide anything that proves the accuracy or ownership of these debts. 

These accounts have been disputed multiple times, and they are negatively impacting my ability to qualify for a mortgage. 

I request that Equifax be required to provide : Full documentation including original applications or signed agreements Or remove the accounts if they can not verify them properly Thank you for your help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX SC XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$980.00} INQUIRIES : XXXX XXXX XXXX Date : XXXX XXXX XXXX XXXX Date : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: FL

Complaint narrative:
I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items.

The identity of the entity/entities responsible for carrying out this verification.

Any documentation or evidence used to support the accuracy of the disputed items.

I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items.

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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I previously disputed inaccurate and fraudulent information on my credit report under 605B on XX/XX/XXXX. Equifax has refused to comply even though I provided documentation proving I was a victim of identity theft and that I was also apart a data breach they allowed to happen. Equifax representatives told me multiple reasons as to why they failed to comply with 605b. They stated they never received the information from the CFPB. They stated that I had to upload the data to their website and then after I did that I was told that I had to mail the information or it wasn't valid. I sent proof of my identity and my address and they continue to list inaccurate information. 
After so much back and forth I was at a loss, so I decided I would have to share the most painful part of my past and I filed under 605c. Having to divulge such personal information with a credit bureau is embarrassing and painful. I sent all necessary proof and a self attestation form only to be told by Equifax that my documentation wasn't valid because they contacted the entity on the form and they stated it wasn't correct. This was in direct violation of my rights, privacy and safety. I am requesting that the following adverse information be removed within 4 business days per the FCRA law of 605c.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
On multiple occasions, I attempted to transfer {$1500.00} from my TD Bank account. Each time, the transaction was blocked and my account was flagged. I verified my identity each time I was asked to. 

On the XXXX  attempt, I was sending funds to XXXX of my external accounts. Shortly after, I received an email stating that my account was flagged for fraud because the receiving account wasnt mine. This was incorrect I provided proof that the account was mine by emailing official bank statements. 

Despite verifying my identity and proving ownership of the external account, TD Bank placed my account into a no check status and ultimately closed all of my accounts without warning or any formal communication. 

This all took place between XX/XX/year> and XX/XX/year>. As of XX/XX/year>, I have not received any updates or communication from TD Bank about the status of my funds. My money is still being held, and no one has given me a timeline or explanation. 

I am requesting that TD Bank immediately release my funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: NJ

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: Experian Information Solutions Inc.
State: OH

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 2025-07-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: EVERBANK, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I am four months behind on my mortgage and applied for a loan modification with my mortgage servicer. Despite submitting all requested documentation on time, my hardship application was wrongfully denied. The reason given was missing documents, even though I provided everything requested in some cases multiple times.

Each time I submitted what they asked for, they came back requesting new or duplicate documents. I believe my file was being reviewed by an automated system with no real oversight, as no one would speak with me directly, return calls, or confirm receipt of documents. It felt like I was being deliberately stonewalled to push my account toward foreclosure.

I sent a reconsideration letter and resubmitted everything, along with a fresh loan modification application. I have not received confirmation or acknowledgment of review for either. I am still seeking assistance, but Im being ignored or rerouted every time I try to follow up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: FL

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am disputing inaccurate information reported by XXXX XXXX XXXX. This account was charged off and marked as Purchased by another lender, but the credit report does not identify the current owner of the debt. According to the FCRA ( Fair Credit Reporting Act ), if a debt has been sold, the original creditor must update the tradeline to reflect a {$0.00} balance. This account is still reporting a balance and past-due amount with no new creditor listed. This misleads lenders and negatively impacts my credit. I have attempted to dispute this through the credit bureaus, and the issue remains unresolved. I am requesting that this tradeline be updated to reflect a {$0.00} balance or be removed entirely if the furnisher can not validate the current ownership of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am disputing inaccurate information reported by XXXX XXXX XXXX. This account was charged off and marked as Purchased by another lender, but the credit report does not identify the current owner of the debt. According to the FCRA ( Fair Credit Reporting Act ), if a debt has been sold, the original creditor must update the tradeline to reflect a {$0.00} balance. This account is still reporting a balance and past-due amount with no new creditor listed. This misleads lenders and negatively impacts my credit. I have attempted to dispute this through the credit bureaus, and the issue remains unresolved. I am requesting that this tradeline be updated to reflect a {$0.00} balance or be removed entirely if the furnisher can not validate the current ownership of the debt.

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 2025-07-15 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: MA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment 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 2025-07-15 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required.

Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: MD

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief