vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-22 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: MS

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
Consumer complaint received 2025-12-22 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: MS

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 response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: MS

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 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
The balance was fully satisfied, yet late-payment notations still appear on my report.

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 2025-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
To whom it may concern, I am submitting this complaint against Synchrony Bank and in particular against their carecredit rewards mastercard, regarding their failure to issue and/or deliver a refund check that I am entitled to, despite multiple assurances that the check was processed and mailed. 

Synchrony Bank informed me that a refund check had been issued and sent to my address. However, a couple of months have passed and the check has not been received. I have contacted Synchrony Bank multiple times, and each time I am given vague explanations and repeated delays, being told to wait another 23 weeks, without any concrete resolution or proof of mailing. I have dealt on numerous occasions with Synchrony Banks agent, XXXX XXXX, as well as his supervisor, XXXX. Both failed to provide any valid or concrete response regarding the status of my refund. Their communications were limited to repeatedly stating that the check will arrive, despite the fact that several months have already passed. This is now the third time I have had to file a complaint regarding this same unresolved issue. Their conduct has been suspicious, dismissive, and highly unprofessional. 

At this point, I am concerned about : Lack of transparency regarding the status of the refund Failure to provide tracking, confirmation, or reissuance Unreasonable delays despite repeated follow-ups Potential mishandling or withholding of funds that legally belong to me I believe Synchrony Bank is not acting in good faith and is failing to meet basic standards of customer service and financial accountability. I am requesting that this matter be investigated and that Synchrony Bank be required to immediately issue and deliver the refund owed to me, or provide verifiable proof that the funds were properly sent.

Thank you for your assistance in resolving this matter.

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 2025-12-22 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: TX

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal 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 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately. 

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within 5 days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law.

As Consumer by law Disputed Items below should be Deleted in my credit report Immediately!

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 2025-12-22 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: CA

Complaint narrative:
Dear Sir/Madam, I am writing to dispute inaccuracies in my credit report as detailed below. I respectfully request your assistance in resolving the issues I have outlined. 

CHARGED OFF XXXX XXXX XXXX XXXX Account Number : XXXX, Opened : XXXX, Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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 report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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: TX

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

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 2025-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
I received a call at XXXX on XX/XX/year>. The caller ID showed it was my daughter who lives in XXXX. I answered, heard who I thought was my daughter cry mom then shaky breathing. A man with a deep voice took the phone from her. He told me not to call anyone or the police. All I had to do was pay him and he wouldn't hurt her. I could hear crying in the background. I told him I didn't have any money. He asked, you don't have any money? I said no, I'm a XXXX  and don't have any money. He said you have {$500.00}? I said I could find it. He said I needed to send it via Cash App or another app that I didn't understand what he said. He started yelling and told me to hurry up because he didn't want to hurt her but he would. He said once I paid and he saw the money in his account he would set the phone in her lap and leave. I said I was looking for a pen to write the cash app down. He yelled again and told me he was going to beat her, that I didn't need to write it down, just enter it. I asked to speak to her. He yelled and threatened to beat her again. He then gave me his Cash App ( XXXX - XXXX XXXX was the name that came up ). I sent the {$500.00}. He said he was going to set the phone down in her lap and leave now. The line was on for about 5 more minutes but no one was talking and I didn't hear anything. I kept calling my daughter 's name then the phone call disconnected. I was on text with XXXX. When the call disconnected they told me to call XXXX XXXX to request a welfare check. I called and they out me through to XXXX XXXX. I gave my report and asked for a call back when the police did the check. They called about 2 hours later. They didn't hear anything inside the apartment so were not able to go inside. After another hour, my daughter finally called me. She was fine and the call didn't come from her. After talking to her I looked up and realized there are scams where the contact number was spoofed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am disputing accounts on my credit report that I did not open and am not associated with. I am requesting that these accounts be 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 2025-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: OK

Complaint narrative:
But XXXX the XXXX I received {$1000.00} loan I was in the process of moving I had an open house sale on the products in my house so I can move quicker but in the process of moving someone that stole my card went to the casino took out {$980.00} they spent everything besides {$13.00} by the time I found out I was in XXXX but it happened the same day I called in later complaint they took the complaint they said they will see if they can do well come to find out I've got told a whole lot of different things about my case it was first opened on the XXXX of XXXX then they closed it on the XXXX of XXXX I reopened it on the XXXX of XXXX they closed it on the XXXX of XXXX again then I opened it again on the XXXX of XXXX they closed it again on the XXXX of XXXX the same day then I reopened it they just sent me a letter saying that it's nothing more that they can do blah blah blah now to the point where I could contact you guys cuz I want my money back and there's no reason why I shouldn't get my money back when I have no recollection or no one what's going on I did everything they needed me to do and I'm still without my money I have a loan I have to pay back that I didn't get to spend

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: TX

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center. 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am disputing accounts on my credit report that I did not open and am not associated with. I am requesting that these accounts be 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 2025-12-22 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: CA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. i had a late payment on an account that i was in fact paid on time. The consumer reporting agencies | need to report all information with complete accuracy. this account has not been late on payments I've attached a copy of my report to this complaint on the following dates ( XX/XX/year> ) I demand this payments be updated to paid on time immediately. You can not report information with knowledge that this information has errors. I have substantial doubts about the accuracy of the information. Please update this account to PAID NEVER LATE. I will provide the bank letters as well.

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 2025-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I submitted a dispute to cash app in the amount of XXXX for a gambling website that misrepresented itself and stole XXXX from my account. The funds were never loaded to my account and I provided cash app with proof that the funds were never loaded. Cash app still processed the transactions and the gambling site kept my money. I was not given any credits in return and I am now out XXXX. When I disputed the transactions, cash app asked me to verify my identity because the disputes were thought to be fraudulent. My account had already been verified prior to the disputes and I showed them proof of this and they still closed my account. I asked them what the reason for closing my account was and they responded by telling me that I violated cash app terms. I let them know that they only closed it to avoid returning my money. They have yet to reopen the account or provide me with my funds and are ignoring the disputes altogether.

Company response to consumer: Closed with explanation