vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-30 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: CO

Complaint narrative:
I was notified on XX/XX/year> that personal information had been added to my credit profile. When investigating more, an incorrect address and phone number was added to a business credit card profile ( XXXX XXXX ). Because of this, the same information was added to all credit bureaus. I contacted XXXX XXXX and had the information removed and changed password. I contacted XXXX  and XXXX  and was able to file a dispute with both companies. Experian, however, said that I was not allowed to file a dispute and that I must wait 30 days. I would like to file a dispute with Experian so that I can have the fraudulent information 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 2025-05-30 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:
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 2025-05-30 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: TX

Complaint narrative:
I discovered on XX/XX/2025 that my DEPT OF ED/XX/XX/XXXXstudent loan account is being reported with inaccurate balance and payment history information. On my XX/XX/XXXXreport, the remaining balance is shown as {$870.00}, which is XXXX XX/XX/XXXXhigher than similar data on my XX/XX/XXXXand TransUnion reports. Moreover, the payment history is inconsistentsome months indicate that a payment was made and others show a XXXX balanceeven though no payments have ever been made because the account is deferred ( payments begin in XX/XX/2035 ). I have previously disputed this information with the credit bureaus, yet only two of the loans were removed while the errors on this account persist. These discrepancies, with reported payments on months when none occurred, misstate my accounts true status. This inaccurate reporting is misleading, harms my credit score, and misrepresents my actual financial behavior. I request a reinvestigation and prompt removal of all inaccurate data. 

My DEPT OF ED/XX/XX/XXXXstudent loan account has been misreported across credit reports. Although the account is deferred with no payment activity, XX/XX/XXXXshows a remaining balance of {$870.00} even though the original loan amount was {$500.00}. Moreover, XXXX report indicates inconsistent payment historyshowing that payments were made during some periods while other periods list a XXXX balanceeven though I have never made any payments. I discovered these discrepancies on XX/XX/2025, when comparing the XX/XX/XXXXreport with the data from XX/XX/XXXXand TransUnion. This erroneous reporting has caused my credit score to drop by approximately XXXX points. Despite my previous dispute, the inaccuracies remain, indicating a failure of proper verification and update by the reporting agency.

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 2025-05-30 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 discovered on XX/XX/year> that my DEPT OF ED/XXXX  student loan account is being reported with inaccurate balance and payment history information. On my XXXX  report, the remaining balance is shown as {$870.00}, which is XXXX XXXX  higher than similar data on my Experian and XXXX  reports. Moreover, the payment history is inconsistentsome months indicate that a payment was made and others show a XXXX balanceeven though no payments have ever been made because the account is deferred ( payments begin in XX/XX/year> ). I have previously disputed this information with the credit bureaus, yet only two of the loans were removed while the errors on this account persist. These discrepancies, with reported payments on months when none occurred, misstate my accounts true status. This inaccurate reporting is misleading, harms my credit score, and misrepresents my actual financial behavior. I request a reinvestigation and prompt removal of all inaccurate data. 

My DEPT OF ED/XXXX  student loan account has been misreported across credit reports. Although the account is deferred with no payment activity, XXXX  shows a remaining balance of {$870.00} even though the original loan amount was {$500.00}. Moreover, XXXX report indicates inconsistent payment historyshowing that payments were made during some periods while other periods list a XXXX balanceeven though I have never made any payments. I discovered these discrepancies on XX/XX/year>, when comparing the XXXX  report with the data from Experian and XXXX. This erroneous reporting has caused my credit score to drop by approximately XXXX points. Despite my previous dispute, the inaccuracies remain, indicating a failure of proper verification and update by the reporting agency.

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 2025-05-30 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 discovered on XX/XX/year> that my DEPT OF ED/XXXX student loan account is being reported with inaccurate balance and payment history information. On my Equifax report, the remaining balance is shown as {$870.00}, which is XXXX XXXX higher than similar data on my XXXX  and XXXX  reports. Moreover, the payment history is inconsistentsome months indicate that a payment was made and others show a XXXX balanceeven though no payments have ever been made because the account is deferred ( payments begin in XX/XX/year> ). I have previously disputed this information with the credit bureaus, yet only two of the loans were removed while the errors on this account persist. These discrepancies, with reported payments on months when none occurred, misstate my accounts true status. This inaccurate reporting is misleading, harms my credit score, and misrepresents my actual financial behavior. I request a reinvestigation and prompt removal of all inaccurate data. 

My DEPT OF ED/XXXX  student loan account has been misreported across credit reports. Although the account is deferred with no payment activity, Equifax shows a remaining balance of {$870.00} even though the original loan amount was {$500.00}. Moreover, Equifaxs report indicates inconsistent payment historyshowing that payments were made during some periods while other periods list a XXXX balanceeven though I have never made any payments. I discovered these discrepancies on XX/XX/year>, when comparing the Equifax report with the data from XXXX  and XXXX. This erroneous reporting has caused my credit score to drop by approximately XXXX points. Despite my previous dispute, the inaccuracies remain, indicating a failure of proper verification and update by the reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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 sending this complaint to TRANSUNION regarding inaccurate data reported on my credit file that has not been validated, certified as accurate, or physically verified. 

I have noticed potentially erroneous and highly questionable remarks on my credit report that were neither verified. As a consumer, I have the right to request that you remove these entries immediately, in accordance with my federal and state consumer rights. This complaint is also a check to ensure the items you report comply with FACTA Title 1, Section 151, which clearly outlines the procedures to be followed. 

I request that these accounts be completely removed from my credit report. Please take immediate action to delete it.

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 2025-05-30 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: AZ

Complaint narrative:
I am reaching out to request the removal of incorrect addresses from my credit report. The information being reported is inaccurate, and I have included the necessary documents to facilitate this correction. Please process this request promptly and ensure that these addresses are removed without delay.

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 2025-05-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I received letter on XX/XX/year> stating that my account was reopened and reestablished regarding cfbp case XXXX. I left several messages with the senior leader listed on the letter XXXX XXXX who has not responded to any of my voicemails. I contacted customer service who stated my account was never reopened and notes show it could not be reopened, I had to speak with someone else regarding this matter and spoke with rep XXXX ID XXXX who stated my account was reopened but closed again on XX/XX/year>. I let her know I have not been able to use my card and prior rep let me know it wad not reopened. XXXX let me know they can close my account at anytime. The prior issue was never resolved, the company just made it appear that way on the letter. Since then Synchrony has lowered my credit limit on another account of mines and I believe that was out of retaliation.

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 2025-05-30 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 2025-05-30 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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.

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: PA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. 
Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. 
Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-05-30 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: GA

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 2025-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-05-30 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: IL

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX I am filing a complaint against Equifax for inaccurate and inconsistent reporting under the FCRA regarding the referenced account. 

Key discrepancies : Missing credit limit ( reported as {$0.00}, while other bureaus report {$500.00} ). 
Conflicting high credit ( reported as {$760.00}, missing from XXXX  ). 
Incorrect date of last payment ( XX/XX/XXXX, conflicting with XXXX XX/XX/XXXX ). 
Inconsistent date of last activity ( XX/XX/XXXX, earlier than other bureaus ). 
Re-aging and continuous charge-off status updates extending to XXXX, beyond the legal charge-off reporting window. 
Account comments include reinvestigation in progress, but prior disputes were not adequately resolved. 

I request that the CFPB investigate and require Equifax to comply with FCRA accuracy standards by correcting or deleting the unverifiable data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: AR

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 2025-05-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 non-monetary relief
Consumer complaint received 2025-05-30 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: MD

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 non-monetary relief
Consumer complaint received 2025-05-30 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: MD

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 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 2025-05-30 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: PA

Complaint narrative:
Most recent complaint XXXX case. 
XXXX XXXX XXXX XX/XX/XXXX {$69.00} Item never received, tracking is XXXX DISPUTES submitted XXXX XX/XX/XXXX, XXXX XX/XX/XXXX at XXXX XXXX XXXX  DISPUTE DETAILS : Dispute Submitted : XX/XX/XXXX at XXXXXXXX XXXX  XXXX XXXX Completed : XX/XX/XXXX at XXXX AM EST Dispute Reason : I never received the goods or services I paid for What did the merchant say? : Other What goods or services were you supposed to receive? : Protein Oatmeal food What was the expected delivery date? : XX/XX/XXXX Did you cancel the order? : No Anything else we should know? : tracking number is XXXX On XXXX XXXX I placed an order with XXXX XXXX for oatmeal, my order cost was {$69.00} and was NEVER SHIPPED XXXX DID NOT HAVE THIS ITEM IN ITS POSSESION EVER. Despite my multiple claims regarding this item i didn't receive and the claims regarding the poor service cash app has done nothing but offer me more claim attempts. My most recent complaint was denied because I'm out of the 60 day period. I'm now waiting on a email from management where they explain how the claim was processed but the only resolution for me is a refund. To have my money back in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
I deposited a check in XX/XX/XXXX/2025, the funds have been cleared from the other financial institution since last week but the bank still has a hold on my account for no reason. XXXX said theyre waiting on more info from XXXX AFTER the funds have been cleared. This is a check from my retirement account and I need the funds IMMEDIATELY. I dont know what the issue is. I also called XXXX and they confirmed the check cleared on 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