vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I submit this complaint regarding false, inaccurate, or misleading information being reported by Experian and XXXX XXXX, and their failure to correct or reasonably reinvestigate my dispute as required under the Fair Credit Reporting Act ( FCRA ). 

Specifically : Experian is reporting a late payment / derogatory credit mark that is incorrect, and despite my formal dispute, has not reversed or updated it. 
XXXX XXXX ( a background check / consumer reporting agency ) has produced or distributed a background report containing incorrect information ( e.g. misattributed criminal records or other adverse information ) which has harmed me ( e.g. caused a job offer to be rescinded ).

Both companies failed to follow the FCRAs reinvestigation and accuracy requirements, and ignored my dispute efforts.

2. Relevant Legal Authority & Cases I rely on the following statutory and judicial authorities : Statutory Basis FCRA 15 U.S.C. 1681i ( a ) When a consumer disputes the completeness or accuracy of information, the credit reporting agency must conduct a reasonable reinvestigation within 30 days.

15 U.S.C. 1681e ( b ) Consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information they publish.

15 U.S.C. 1681s2 ( a ) ( 1 ) ( A ) Furnishers of information ( like loan servicers or background data providers ) must not report information they know or have reason to believe is inaccurate. 

Judicial Precedents XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX  ) : The Court held that a consumer need not prove that the incorrect information was published to a third party to recover actual damages under 1681i ( a ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : The plaintiff alleged that XXXX XXXX willfully and negligently violated the FCRA by including incorrect criminal record data and failing to employ reasonable procedures to assure accuracy.

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 2025-09-25 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: PA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX # XXXX XX/XX/XXXX -- {$110000.00} XXXX # XXXX XX/XX/XXXX -- {$1400.00} XXXX  # XXXX XX/XX/XXXX -- {$2700.00} XXXX CARD # XXXX XX/XX/XXXX -- {$9400.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$870.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
In XX/XX/year>, I reported fraudulent charges on BOTH my synchrony debit card and credit card accounts. Synchrony Bank acknowledged the fraud, approved my claims, and assured me that both cases were resolved. While the fraudulent credit card charge was credited back to my account, the debit card charge seems not properly being reversed. 

Despite repeated confirmation from Synchrony Bank that both matters were resolved, I received a notice from XXXX  AFTER A YEAR yesterday indicating that the unresolved debit card charge was flagged by a debt collector and as a result, my credit score dropped due to inaccurate and incomplete reporting. I still did not apply for any synchrony bank account within this year. 

I am attaching supporting documents, including Synchrony Banks acknowledgment of my previous disputes ( with my request of investigating the fraudulent charges on both my synchrony debit card and credit card ), my fraud claims and the company 's response, and the XXXX notice I received. 

Thank you so much again for helping, let me know if more information is needed.

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 2025-09-25 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: NY

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. 
This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. I submitted a formal dispute letter to Experian on XX/XX/year>, regarding multiple inaccurate late payment entries reported on my credit file. Despite citing violations under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ), Experian has failed to provide proper verification, documentation, or correction of these entries. The reported late payments are the result of furnishers internal reporting errors, not actual delinquencies, making them inaccurate and unverifiable. Experian has therefore failed to conduct a reasonable reinvestigation as required by law. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-09-25 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 am submitting this complaint after reviewing my credit report and noticing several entries that do not accurately reflect my payment history. '' I was alarmed to find information regarding my XXXX XXXXXXXX XXXX XXXX XXXX XXXX  account * * that does not match my actual payment history. This account, with a balance of {$10000.00} and last activity on XX/XX/2025, is reported with late payments that are inconsistent with my records :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
On XX/XX/XXXX I did not authorize charges from XXXX XXXX  for XXXX {$100.00} {$90.00} {$40.00} And XX/XX/XXXX for XXXX $ and XX/XX/XXXX for XXXX {$40.00} {$45.00} {$50.00} $ and XX/XX/XXXX for XXXX {$40.00} {$41.00} {$60.00} {$5000.00} $ the photo I uploaded is XXXX  telling me to contact my bank to dispute and I do not have a XXXX XXXX account I closed my account a year ago and I will provide proof of that to

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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 formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-09-25 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: IL

Complaint narrative:
I am filing a follow up this complaint to dispute multiple charge-off accounts and inquiries being reported on my credit file that are inaccurate, unverifiable, or duplicative. These errors are causing significant harm to my credit standing and do not reflect my true financial situation. Disputed Accounts and Issues : XXXX ( Acct. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported as a charge-off with a balance of {$3300.00}. This reporting is not properly substantiated and XXXX be inaccurate. XXXX XXXX XXXX ( Acct. XXXXXXXX XXXX XXXX XXXX XXXX XXXX Reported charge-off with a balance of {$1600.00}. XXXX XXXX ( Acct. XXXXXXXX XXXX XXXX XXXX XXXX XXXX Reported charge-off with a balance of {$2600.00}. The account appears to remain derogatory despite inconsistencies. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Another charge-off listed with a balance of {$2300.00}, creating a possible duplicate entry. XXXX ( Acct. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reported as a charge-off with a balance of {$4800.00} without clear verification. XXXX ( Acct. XXXX ) XXXX Charge-off showing a balance of {$6700.00}. XXXX XXXX ( Acct. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported with a balance of {$1900.00} ; requires verification due to inconsistencies. XXXX XXXX ( Acct. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported with a balance of {$900.00}, but lacking proper substantiation. Inquiries in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX These inquiries appear without my authorization or adequate permissible purpose documentation.

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 2025-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
On XX/XX/XXXX from XXXX for XXXX {$130.00} {$100.00} {$110.00} {$100.00} XXXX and XX/XX/XXXX for XXXX $ and XX/XX/XXXX for XXXX {$100.00} {$93.00} $ I did not authorize and alredy disputed but forgot to get the email to provide support documents the photos Im adding are the company telling me to contact my bank and a picture proving I do not have a bet XXXX account due to me closing my is account last year and I was not credited for the dispute XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: DE

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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:
This dispute concerns the inaccurate reporting of accounts that do not belong to me. I never opened, authorized, or approved these accounts, and I was not notified when they were added to my credit file. To make matters worse, each bureau is reporting different and conflicting information. This is a violation of the FCRA, 15 U.S.C. 1681e ( b ), which requires credit bureaus to maintain the highest level of accuracy.

It is also a violation of 15 U.S.C. 1681i, which requires disputed information to be investigated and corrected or removed within 30 days, and 15 U.S.C. 1681g, which ensures consumers have access to complete and accurate disclosures.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: United PanAm Financial Corp.
State: FL

Complaint narrative:
Blowing my phone up all day long early and late at night no respect at all for me and my health, loan was incorrect amount and the car had plenty of issues and was a lemon i have repeatedly asked to stop calling and they keep calling i even asked for the do not call list.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: SC

Complaint narrative:
I am filing this complaint against Experian, Equifax, and TransUnion for failing to comply with their obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) and 1681i.

My credit reports contain multiple accounts reported inaccurately, incompletely, and inconsistently. These include accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX. I have printed and highlighted the discrepancies, which include but are not limited to : Duplicate reporting of the same accounts under different account numbers or with slightly altered identifiers.

Contradictory balances across bureaus ( e.g., one bureau reporting {$7800.00}, another {$2300.00}, another {$2100.00} for the same XXXX XXXX account ). 

Conflicting account statuses, such as Open with one bureau and Closed or Collection/Chargeoff with another.

Different dates of last activity and last payment for the same account, creating a misleading impression of ongoing delinquency.

These discrepancies demonstrate that the information is not being reported with maximum possible accuracy as required under 1681e ( b ) and that the bureaus failed to conduct a reasonable reinvestigation under 1681i ( a ). Under 1681i ( a ) ( 5 ) ( A ), any information found to be inaccurate, incomplete, or unverifiable must be deleted, not verified as is.

I request that the CFPB require Experian, Equifax, and TransUnion to : Permanently delete all tradelines that contain inconsistent, unverifiable, or contradictory information across bureaus, including but not limited to the accounts from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Provide written confirmation of the deletions. 

Ensure that these deleted accounts are not reinserted into my credit reports unless the furnisher provides full documentation that resolves all discrepancies and complies with 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 2025-09-25 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: SC

Complaint narrative:
I am filing this complaint against Experian, Equifax, and TransUnion for failing to comply with their obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) and 1681i.

My credit reports contain multiple accounts reported inaccurately, incompletely, and inconsistently. These include accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX. I have printed and highlighted the discrepancies, which include but are not limited to : Duplicate reporting of the same accounts under different account numbers or with slightly altered identifiers.

Contradictory balances across bureaus ( e.g., one bureau reporting {$7800.00}, another {$2300.00}, another {$2100.00} for the same XXXX XXXX account ). 

Conflicting account statuses, such as Open with one bureau and Closed or Collection/Chargeoff with another.

Different dates of last activity and last payment for the same account, creating a misleading impression of ongoing delinquency.

These discrepancies demonstrate that the information is not being reported with maximum possible accuracy as required under 1681e ( b ) and that the bureaus failed to conduct a reasonable reinvestigation under 1681i ( a ). Under 1681i ( a ) ( 5 ) ( A ), any information found to be inaccurate, incomplete, or unverifiable must be deleted, not verified as is.

I request that the CFPB require Experian, Equifax, and TransUnion to : Permanently delete all tradelines that contain inconsistent, unverifiable, or contradictory information across bureaus, including but not limited to the accounts from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Provide written confirmation of the deletions. 

Ensure that these deleted accounts are not reinserted into my credit reports unless the furnisher provides full documentation that resolves all discrepancies and complies with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: TX

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this complaint after carefully reviewing my credit report and discovering multiple unauthorized and inaccurate credit inquiries that I did not authorize. These inquiries have negatively impacted my credit profile and misrepresent my financial activity. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I did not authorize any of these companies to access my credit file. The Fair Credit Reporting Act ( FCRA ) protects consumers like myself by requiring that credit reporting agencies obtain my permission before furnishing reports, follow reasonable procedures to ensure maximum possible accuracy, and reinvestigate disputed items within 30 days.

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 2025-09-25 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: TX

Complaint narrative:
I am filing this dispute because fraudulent and inaccurate accounts are being reported on my credit file. I never opened or authorized these accounts, and I was never informed of their addition. The fact that the bureaus are reporting conflicting details makes this even more concerning. This violates the FCRA, 15 U.S.C. 1681e ( b ), which requires maximum possible accuracy of reported information.

This situation also violates 15 U.S.C. 1681i, which requires that disputed accounts be investigated and corrected or deleted within 30 days, and 15 U.S.C. 1681g, which requires accurate and complete disclosures to the consumer.

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 2025-09-25 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 filing this dispute because fraudulent and inaccurate accounts are being reported on my credit file. I never opened or authorized these accounts, and I was never informed of their addition. The fact that the bureaus are reporting conflicting details makes this even more concerning. This violates the FCRA, 15 U.S.C. 1681e ( b ), which requires maximum possible accuracy of reported information.

This situation also violates 15 U.S.C. 1681i, which requires that disputed accounts be investigated and corrected or deleted within 30 days, and 15 U.S.C. 1681g, which requires accurate and complete disclosures to the consumer.

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 2025-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: NY

Complaint narrative:
Im reporting inaccurate information thats reported on my credit profile.

Company response to consumer: Closed with explanation