vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-29 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: TX

Complaint narrative:
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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-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 non-monetary relief
Consumer complaint received 2025-07-29 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: TX

Complaint narrative:
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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: NC

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$650.00} INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : 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 2025-07-29 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: NH

Complaint narrative:
I am filing this complaint because Equifax is knowingly reporting inaccurate, incomplete Lates payments and duplicative student loan tradelines in violation of the Fair Credit Reporting Act ( FCRA ). The agency is reporting XXXX separate tradelines from XXXX XXXX XXXX on my Equifax credit report. These tradelines are duplicative and inconsistent, and their reporting has severely damaged my credit score.

I have identified the following violations : 1681e ( b ) : Failure to maintain accurate, up-to-date credit records.

1681i ( a ) : Failure to investigate and correct incomplete or unverifiable information.

1681s-2 ( b ) : Furnishers failure to conduct a reasonable reinvestigation after my disputes.

Duplication : Two pairs of tradelines with identical open dates and original creditors but different balances and payment terms creating a false impression of more debt. 
Chronological Errors : They reported 120-day late payments from XXXX to XX/XX/year> on accounts marked Pays account as agreed, which is factually and procedurally impossible and violates XXXX XXXX reporting guidelines. 
These violations have caused my credit score to drop significantly, and as a result : I have been denied credit card approvals, I have been denied auto financing, I have experienced emotional distress and anxiety due to being punished for debt that is inaccurately reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
SUMMARY OF VIOLATIONS AND DEMAND FOR RELIEF This is a formal complaint and notice of intent to escalate pursuant to the Fair Credit Reporting Act 15 U.S.c. 9 1681 et sea., the Fair Debt Collection Practices Act 15 U.S.C. c 1692 et seq. ), the Family Educational Rights and Privacy Act ( 20 U.S.C. 1232g ), and the Gramm-Leach-Blitey Act ( 15 U.S.C. {$5.00} 6801-6827 ). 
the undersigned consumer. am demanding IMMEDIA : XXXX XXXX XXXX XXXX XXXX reported by [ XXXX Loan Servicer ], as the accounts are : Legally unverifiable : No contract or promissory note has been furnished showing lega stanaine or assienment Servicer-only debt : The alleged servicer is not a lender, creditor, nor legal assignee - and this lacks standing to report or collect. 
Riddled with inaccuracies : The XXXX  loan accounts are reporting outdated, false, or materially misleading data in violation of 15 U.S.C. 51681s-2b In violation of FERPA : XXXX loan servicers ) and CRAs are illegally sharing protected educational records and personal identifiers without prior written consent, contrary t020 US.0. 0125200101 Failure to conduct lawful investigation : Prior disputes have resulted in form-letter responses that fail to meet the procedural and evidentiary standards set forth in 15 U.s.c. 9 1081 and 1a U.s.c. 91001S-4a LA ). 
DEPT OF EDXXXX XXXX XXXX XXXX XXXX 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 2025-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Netspend Corporation
State: GA

Complaint narrative:
I've signed up for a new checking account through their official promotion. I've fulfilled all the following requirements : 1.Activate Debit card 2.Enroll in Direct Deposit and receive Direct Deposits totaling {$400.00} or more within 60 days of acquiring the account 3. Full Verify the account And it passed almost 2~3 weeks after fulfilling the requirements, but I haven't received a {$200.00} incentive yet.

I contacted the customer support, but they just notified me of the wrong information and made me wait again and again. I don't believe they will resolve this issue.

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 2025-07-29 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: TX

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 2025-07-29 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: GA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-07-29 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: CBC Companies, Inc.
State: TX

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 explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Synovus Bank
State: PA

Complaint narrative:
I have closed my secured credit card since XX/XX/year>. I was promised a check within 30 days. I called on XX/XX/year> & was informed the account was not closed & my check was never requested. They are now asking me to wait another 30 days making it 60 days. I speak to countless representatives & supervises. They each apologize and claim nothing can be done. I will have to wait another 30 more days. I requested for a manager call 3 instances and I only received one call. They automatically left a voicemail. When attempting to call back you are not able to speak to them. Yet in the voicemail left they tell you, you may call back to speak to the manager. I do not trust any representative. They do not want to give me any information in writing to hide the things they do. I have recorded calls where 2 separate representatives confirmed cancelation of my account in XXXX. Everytime I call every representative give me a different closure date. They owe me money and won't send it back to me. I am given the run around every time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Larry H. Miller Group of Companies
State: TN

Complaint narrative:
Prestige contacted me via text and phone during my work hours. Being that I work in a collection call center. I advised them that all communication needs to be done after XXXX. I have received about 10 text messages and a handful of phone calls since I told them this. I just got a warning at my job for my phone going off today with them contacting me. I asked for the legal department information and he said it was an accident.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-29 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: PR

Complaint narrative:
PLEASE REMOVE THESE FRAUDULENT ACCOUNTS : XXXX Date assigned : XX/XX/XXXX XXXX Date assigned : XX/XX/XXXX PLEASE UPDATE AND CORRECT THIS LATE PAYMENT ACCOUNTS REPORTING : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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:
I am writing to dispute the inaccurate reporting of late payments on the account referenced in my credit report. This is not only factually incorrect, but it also constitutes a billing error under 15 U.S. Code 1666b, which clearly states that creditors must allow a reasonable period for payment and can not penalize a consumer for late payments when none actually occurred.

Let me be completely clear : this account has always been paid on time and as agreed. I have never missed a payment on it, and I take great pride in maintaining a solid payment history. The appearance of late payments is flat-out wrong, and it is deeply frustrating to see my credit standing damaged over something I know for a fact is a reporting mistake.

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 2025-07-29 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:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: FL

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$32000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
This is a recent account. We are supposed to receive monthly statements, but for XXXX after a complaint to Capital One no statement was sent. We are required to make monthly payments, but difficult without a monthly statement. Capital One is a predatory lender, and the failure to send a monthly statement was deliberate and intended to cause a default in our account so that they could charge improper fees and report a failure to the credit reporting agencies. 
Of course Capital One will deny all of this, but it is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I discovered that my credit report was accessed without my authorization. I did not give permission to any company or individual to pull my credit. This constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 604 ( a ) ( 3 ), which outlines the permissible purposes for accessing a consumers credit report.

The inquiry is causing unnecessary harm to my credit profile. I contacted the credit bureaus and the company responsible, but have not received a resolution. I am requesting an immediate investigation and removal of the unauthorized inquiry from my credit file, as well as confirmation that no other fraudulent access has occurred. 

There should be no hard inquiries on my report since XXXX of 2022. 
Remove any after XX/XX/year>2022 I am also requesting that the CFPB investigate this matter and enforce my rights under the FCRA.

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 2025-07-29 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: American Credit Acceptance, LLC
State: IL

Complaint narrative:
This is reported on All 3 Credit Reporting Agencies XXXX XXXX XXXX  and XXXX as Charged off as bad debt |Profit and loss write-off and i have not received A 1099c from them for Income Tax for my Records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: UT

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$600.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: IL

Complaint narrative:
Complaint Regarding Frozen Cash App Account and Lack of Access to Funds To whom may concern, My name is XXXX XXXX, and I am writing to file a formal complaint against Cash App ( Square, Inc. ). 
On XX/XX/year>, my Cash App account was suddenly locked due to unusual activity while I was traveling abroad. Since then, I have been completely unable to access my funds, card number, or routing information even though I rely on this account as my primary banking account. 
Cash App initially told me it would take XXXX hours to resolve the issue. After repeated follow-ups, they have now stated it could take up to 10 business days. During this time, no one from their investigation team has reached out to me directly to ask questions, verify information, or help resolve the issue. 
This situation is putting me under severe financial distress : * I have no other bank account or family support. 
* I need my funds for food, gas, and to rent a car to get to work after a recent car accident. 
* The prolonged freeze, combined with poor communication, has caused significant emotional distress and hardship. 
I am requesting that : * Cash App urgently expedite the investigation and restore at least partial access to my funds. 
* XXXX review whether Cash App has violated any consumer financial protection laws or failed to provide proper due process and communication to a consumer whose primary bank account is frozen. 
I can provide screenshots of my communications with Cash App support and any other documentation you may need. 
Thank you for your time and assistance. 
Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation