vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing a complaint against my loan servicer, XXXX, for inaccurately reporting multiple late payments on my credit report. 

I was repeatedly told by loan officers at XXXX that my accounts would be paused, placed in forbearance, or temporarily suspended. Based on their instructions, I believed no payments were due during these periods. However, they failed to process the pause correctly and never notified me by email, text, or phone that the loans had become delinquent. 

As a result, I was unaware of any issues until I reviewed my credit report and saw the late payments listed. I have attempted to dispute these inaccuracies directly with the credit bureaus and with XXXX, but the late payments remain, despite the fact that they are the result of internal error and poor communication by the loan servicer.

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 2025-11-26 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: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
Hello, I am filing a complaint regarding a hard credit inquiry placed on my credit report by Synchrony Bank following an application I submitted through XXXX on XX/XX/year> at XXXX. At no point during the application process was I clearly or explicitly informed that submitting the request would result in a hard credit pull. 

After noticing the inquiry, I contacted both XXXX and Synchrony Bank. Synchrony Bank stated the disclosure was in the Terms and Conditions, but the information was not prominently displayed, not clearly stated, and not reasonably visible prior to submission. I maintained a very good credit score and this lack of transparency caused an unnecessary negative impact on my credit profile and denied me the ability to make an informed decision. 

I am requesting that the CFPB review this matter, determine whether proper consumer disclosure and consent requirements were met, and assist in having the unauthorized inquiry removed from my credit report. 

Thank you for your time and attention.

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 2025-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC
State: WI

Complaint narrative:
Jefferson capital system has been falsely reporting a debt to my credit report for years. Ive attempted to contact through certified multiple times. They have failed to provide complete, competent legal validation of the debt. Under FDCPA 809 ( b ), you must provide complete, competent validation. Itemized statements or screenshots do NOT satisfy federal validation obligations. They have ignored my requests multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) 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. 

This is a violation of both XXXX U.S. Code XXXX ( XXXX ) and XXXX U.S. Code XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX U.S. Code XXXX, 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 2025-11-26 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: OH

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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: FL

Complaint narrative:
My credit report currently contains wrong personal information, particularly addresses that are not associated with me. I have enclosed the supporting documents to help you verify this, and I respectfully demand that these inaccurate addresses be permanently deleted from my record without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: MI

Complaint narrative:
I am filing this complaint against EQUIFAX because they continue to report multiple inaccurate, unverified, and fraud-related entries on my credit file. These errors are harming my ability to secure employment and obtain credit. 

I previously submitted a dispute to EQUIFAX under FCRA XXXX ( a ) ( XXXX ) and received the results of that investigation. However, the results did not correct the inaccuracies I identified. Under FCRA XXXX ( a ) ( XXXX ), I submitted a request asking EQUIFAX to provide the description of the investigation procedures used during their reinvestigation. 

EQUIFAX has not provided the required explanation within the XXXX timeframe mandated under federal law. 

Accounts XXXX XXXX or XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$97000.00} EQUIFAX is reporting late payments for XX/XX/XXXX, which were the result of fraudulent activity. These late payments are inaccurate and must be removed. EQUIFAX has not provided verification or documentation supporting these late entries. 

XXXX. XXXX XXXX XXXX Date Opened : XX/XX/XXXX The reported late payment dates and payment history on this account are false, inaccurate, and unverified. I specifically requested the description of the procedure used to determine the accuracy of this reporting, and EQUIFAX has not provided it as required by FCRA XXXX ( a ) ( XXXX ). 

XXXX. Fifth Third Bank NA XXXX Date Opened : XX/XX/XXXX Balance : {$17000.00} This account contains fraudulent charges, and under the XXXX XXXX Liability Policy, I am not liable for these charges. EQUIFAX continues to report an inaccurate balance and an incorrect status. I requested correction or deletion, but EQUIFAX continues to publish unverified information. 

XXXX. Fifth Third Bank NA XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00} This account also contains fraud-related charges. Despite multiple disputes, EQUIFAX continues to report an incorrect balance and an inaccurate charge-off status. These entries are unverifiable and should be deleted or corrected immediately. 

Violations of Federal Law ( FCRA ) EQUIFAXs actions violate several FCRA provisions : FCRA XXXX ( b ) : Failure to maintain maximum possible accuracy FCRA XXXX ( a ) ( XXXX ) : Failure to conduct a lawful, reasonable reinvestigation FCRA XXXX ( a ) ( XXXX ) : Failure to provide the description of investigation procedures within XXXX  days FCRA XXXX ( a ) ( XXXX ) ( A ) : Reporting information known or reasonably expected to be inaccurate EQUIFAX is not fulfilling its legal duty to protect consumer information and ensure accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: OPORTUN FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am formally disputing the collection account being reported by OPORTUN/XXXX  XXXX, which does not belong to me and appears to be the result of identity theft. This account is inaccurate, unverifiable, and being reported in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. On XX/XX/XXXX, I contacted OPORTUN/XXXX XXXX  and requested validation of the alleged debt, including : Documentation bearing my wet-ink signature that allegedly authorized or initiated this account ; Verification of their legal right to collect, as required under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ). To date, no documentation or verification has been provided. 
Under the FCRA : 15 U.S.C. 168li ( a ) requires consumer reporting agencies ( CRAs ) to conduct a reasonable investigation when a consumer disputes the accuracy of information. 15 U.S.C. 1681s-2 ( a ) prohibits furnishers ( such as collection agencies ) from reporting information they know or should know is inaccurate. 15 U.S.C.

1681s-2 ( b ) requires furnishers to conduct an investigation and provide verification once a dispute is received from a CRA. 15 U.S.C. 1681c-2 ( Section 605B ) provides consumers the right to block information resulting from identity theft. I also provided FTC Report Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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:
THE REPORTING AGENCY HAS DEMONSTRATED A PATTERN OF SYSTEMIC NEGLIGENCE AND FAILURE TO MAINTAIN REASONABLE COMPLIANCE PROCEDURES AS REQUIRED UNDER XXXX U.S.C. XXXX ( A ) AND XXXX ( B ). IT IS CLEAR THAT THIS ENTITY DOES NOT HAVE ADEQUATE INTERNAL CONTROLS, AUDIT TRAILS, OR SUPERVISORY PROCEDURES IN PLACE TO ENSURE LEGAL ACCURACY AND COMPLIANCE. 

THE AGENCYS RESPONSES TO DISPUTES ARE AUTOMATED, UNSUBSTANTIATED, AND DEVOID OF HUMAN REVIEW INDICATING THAT NO REASONABLE INVESTIGATION OCCURRED. SUCH AUTOMATION, WHEN IT RESULTS IN THE CONTINUED REPORTING OF KNOWN INACCURACIES, AMOUNTS TO RECKLESS NONCOMPLIANCE AND BAD FAITH OPERATION UNDER THE FCRA. 

MOREOVER, THERE IS NO EVIDENCE THAT THE AGENCY HAS PROVIDED TRAINING OR OVERSIGHT TO PERSONNEL RESPONSIBLE FOR HANDLING CONSUMER DISPUTES, NOR HAS IT IMPLEMENTED ADEQUATE SAFEGUARDS TO PREVENT REPEATED ERRORS OR IMPROPER DATA HANDLING. 

THIS PATTERN OF NONCOMPLIANCE VIOLATES THE CORE PRINCIPLES OF CONSUMER PROTECTION, FAIR DATA USE, AND DUE PROCESS AND DEMONSTRATES A DELIBERATE FAILURE TO UPHOLD FEDERAL REPORTING STANDARDS.

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 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

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 2025-11-27 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: NY

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: CA

Complaint narrative:
Let me reiterate that this complaint is entirely legitimate and requires immediate attention. My credit report contains inaccurate information that does not meet the required standard of maximum possible accuracy. These errors are causing serious and ongoing negative impacts on my life. I insist that these inaccuracies be thoroughly investigated and either corrected or removed without delay. Resolving this issue is not merely necessaryit is critical.

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 2025-11-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Winklevoss Exchange LLC
State: UT

Complaint narrative:
I am filing this complaint regarding XXXX XXXX XXXX XXXX XXXX XXXXue to repeated non-responsiveness to my support requests. 


the email for my account for this organization is XXXX Over the last several weeks, I have submitted multiple tickets through XXXX official support system regarding a simple account questionspecifically, clarification on my XXXX XXXX XXXX application being declined and general account-related inquiries. 



Despite sending approximately XXXX support requests, XXXX has not responded to a single one. All tickets remain unresolved, and I have received no acknowledgment beyond automated confirmations. 



My concern is not the credit card decision itself, but the fact that I am unable to obtain any customer service response at all, which raises questions about whether XXXX is meeting New York XXXX standards for consumer support, transparency, and timely communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am submitting this complaint to formally request the immediate blocking and deletion of fraudulent accounts appearing on my credit report, which were created using my personal information compromised in the Equifax data breach. Despite submitting a detailed dispute letter to the credit bureauincluding proof of identity theft, a list of unauthorized accounts, and personal identifiersthey have failed to take appropriate action within the timeframe required by the Fair Credit Reporting Act ( FCRA ) 1681c-2 ( a ). These fraudulent accounts continue to harm my credit profile and violate my rights under federal law. I am asking the CFPB to investigate this matter and compel the bureau to permanently remove the disputed items, provide written confirmation of the actions taken, and ensure full compliance with the FCRA and other applicable consumer protection statutes. This issue poses an ongoing threat to my financial security and demands urgent resolution. 

1. Identity Theft XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: Atlantic Union Bankshares, Inc.
State: VA

Complaint narrative:
On XX/XX/year>, I went to the bank to get a cashier 's check from my account where funds were fully available. I walked into the bank before XXXX and after filling out all the information needed for the cashier 's check, I waiting for over an hour and the bank rep said she needs approval given the large amount ( over $ XXXX dollars ) and will do her best to get me information prior to bank closure at XXXX. I left the bank after XXXX and No one contacted me and I had to make alternate arrangements for the closing on a property for which this check was needed. I am extremely disappointed that the bank did not value me as a customer ( I have been with this and its predecessor banks for over XXXX decades ) and failed me by not issuing a cashier 's check ( when the funds were available in my account ). I lost faith in this bank and will have to close my account soon. It is unfortunate that they didn't even care to meet a basic need.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: UT

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 2025-11-27 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: UT

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 2025-11-27 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: TX

Complaint narrative:
This complaint is specifically against Equifax, because Equifax has failed to conduct a lawful reinvestigation under FCRA 611, has verified multiple accounts without providing documentation, and is reporting multiple duplicate charge-offs under different names and furnishers all tied to the same exact account number. I have been disputing these items for well over 90 days, yet Equifax continues to mark them as verified while providing NO method of verification and NO documentation as required by FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and 611 ( a ) ( 7 ). The following account is illegally duplicated THREE TIMES on my Equifax report : Account # XXXX is reporting as ( 1 ) XXXX XXXX Charge-Off {$160.00}, ( 2 ) XXXX Charge-Off {$160.00} XXXX and ( XXXX ) XXXX XXXX XXXX Charge-Off {$160.00}. This is the same exact debt, with the same exact account number, illegally furnished by multiple furnishers as separate negative items. This violates FCRA 607 ( b ) ( maximum possible accuracy ), FCRA 623 ( a ) ( 1 ) ( A ) ( furnishing information known to be inaccurate ), and Metro-2 guidelines which strictly prohibit duplicate furnishing of the same tradeline under different names. The following additional negative items Equifax verified WITHOUT documentation are also in dispute : XXXX XXXX XXXX ( Late Payment ) Account # XXXX ; XXXX  XXXX ( Late Payment ) Account # XXXX ; XXXX ( Late Payment ) Account # XXXX ; XXXX XXXX XXXX Account not properly validated ; XXXX XXXX  Active dispute but no documentation provided. Equifax has refused to provide ANY actual validation or verification, including : the original creditor records, payment history, DOFD ( Date of First Delinquency ) as required under FCRA 623 ( a ) ( 5 ), full charge-off calculations, itemized breakdowns, ownership documentation, or proof the furnishers legally own or have the right to report these debts. None of these were provided. Active dispute is not verification. Verified without documentation is not verification. Equifax can not legally verify a late payment or a charge-off without documentation, yet that is exactly what they have done. Their response shows that Equifax ignored my dispute entirely and continued automated verification, which violates FCRA 611 ( a ) ( 1 ) ( A ). I am fully aware of the long history of lawsuits and federal enforcement actions against Equifax for these same practices, including failure to properly reinvestigate disputes and knowingly furnishing inaccurate information.

Company response to consumer: Closed with non-monetary relief