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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I recently gained access to my credit report and seen some inaccurate items and information. These errors have caused me great financial distress and im demanding proof of documentation showing permission consent with signature. Please help me in removing deleting these fraudulent inquiries off of my report : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX XXXX XXXX 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 XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I had an issue with XXXX XXXX overcharging me for a subscription renewal through XXXX which I failed to turn off when I cancelled my XXXX service on the XXXX website. I put a restriction on funds being drawn from XXXX which was linked to my XXXX XXXX XXXX XXXX  account. XXXX would not lift the restriction after I provided numerous statements, ID copies and other verification and labeled me a hacker or other thief. My account was locked, a customer service representative said on the phone that I had no recourse, and all of my XXXX savings would be kept from me for XXXX  days. I am not able to appeal, to have the courtesy of speaking to anyone and XXXX would treat me as a thief as well as cancel all future services to me. I am a long-time customer with few issues over the years and was told I was no longer considered a valued customer. Withholding my own money against my will for XXXX  days was not what I envisioned when I prevented XXXX XXXX from taking {$200.00}. My current balance in XXXX is over {$3500.00} which I was told I can't have access to and would not be able to discuss or negotiate. I was told my passport, driver 's license, XXXX XXXX XXXX statement and a letter from XXXX XXXX XXXX customer service that verifies I am the owner of my linked checking account were fraudulent documents, which they are not. This is excessive punishment for using XXXX 's protective services and extremely poor customer service which I've always thought XXXX was known for.

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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I previously reported the XXXX XXXX XXXX  account as fraudulent and unauthorized. Despite submitting disputes and supporting documentation, TransUnion has not conducted a proper reinvestigation, in violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Rather than removing the tradeline or verifying it with sufficient evidence, TransUnion simply marked the account as disputed and deleted an unrelated inquiry. These actions fall short of a meaningful reinvestigation as required by FCRA XXXX ( a ) ( XXXX ) ( A ) and ignore the requirement under XXXX ( b ) to ensure maximum possible accuracy of consumer information. 

This issue has been ongoing since XXXX. As a XXXX individual, this inaccurate and fraudulent account has harmed my credit standing and continues to do so with no meaningful resolution. 

Additionally, the XXXX account is still reporting monthly charge-offs for over XXXX years even though under FCRA guidelines and federal banking regulations, a debt must be charged off within XXXX  days of delinquency ( XXXX & FCRA Charge-Off Guidance, XXXX XXXX XXXX and FCRA XXXX ( a ) ). Continuing to report it as charged off month after month for several years is misleading, redundant, and unfairly punitive, especially for an account that was closed in XXXX. 

The failure to update or remove inaccurate and outdated derogatory data even after multiple disputes is a violation of FCRA XXXX ( a ) ( XXXX ). TransUnion is required to delete unverifiable information if it can not be confirmed within XXXX  days. 

These patterns indicate that TransUnion XXXX be stalling resolution and failing to comply with both past and present dispute requirements under the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Was approved for a loan, but didn't receive money — 
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
I am writing to formally express my deep concern and disappointment regarding what I believe to be XXXX  discriminatory practices at XXXX XXXX  branch XXXX XXXXXXXX, located at XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX. This marks the XXXX  time Ive experienced such treatment. 
In XXXX, I received multiple pre-approved loan mailers from OneMain encouraging me to apply. I submitted an application and was approved for {$10000.00} after a credit check. When I arrived at the branch with all requested documentsincluding my drivers license, utility bill, and pay stubsthe clerk made repeated phone calls and asked for additional documentation. The excessive scrutiny made me feel as though the legitimacy of my qualifications was being questioned solely because I am a XXXX XXXX. Despite the experience, I proceeded with the loan and paid it off in full. 
This year, in XX/XX/XXXX, I again received a flood of mailers. On XX/XX/XXXX, I submitted another application using the pre-filled offer. A soft credit pull presented XXXX options : XXXX unsecured loans of {$10000.00} and {$2500.00}, and a secured loan of {$9500.00}. I applied for the {$10000.00} unsecured option, and a XXXX  credit inquiry was performed, resulting in approval. 
XXXX XXXX called to confirm my submitted documents. Shortly after, on XX/XX/XXXX, XXXX contacted me to say I could instead accept a secured loanor a reduced unsecured loan of {$2500.00}. I found this offer unacceptable. After being approved and having my credit pulled, this bait-and-switch tactic feels discriminatory and unethical. A XXXX  inquiry now remains on my credit report for XXXX years, and I am left livid and disheartened by the treatment received. 
This pattern echoes my prior experience and reinforces the perception that customers of XXXX  XXXX XXXX  subjected to a different, more burdensome process despite meeting all requirements.

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: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The personal details on my credit report contain errors, particularly with old or incorrect addresses that need to be taken off immediately. Ive included the appropriate documentation to support these changes, and I am requesting that these be removed from my credit profile as soon as possible.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX submitting this complaint because a XXXX XXXX account on my credit reports is being reported inaccurately and inconsistently across TransUnion, Experian, and Equifax, and Ive been unable to get it properly corrected through normal dispute channels. 

The last XXXX digits of the account number are XXXX ( or XXXX depending on the bureau ), and here are the issues XXXX seeing : Future reporting dates : The account is showing reporting dates like XXXX and XX/XX/year>, which obviously havent happened yet. 

Conflicting payment histories : XXXX bureau shows on-time payments ( OK ) after the account was charged off, while another reports CO for every month. This doesnt make sense and can not be accurate. 

XXXX still reported after charge-off : Its marked as charged off by XXXX XXXX, but the balance of {$4300.00} is still showing as due across all three bureaus. If it was charged off, the balance should be updated or removed. 

Inconsistent dates : The date of last activity and last payment dates vary depending on which report you look at. That makes me question how this account is being verified. 

Ive attached a screenshot from XXXX to show what XXXX referring to. I believe these errors are harming my credit unfairly, and Id like the CFPB to help review and request correction or deletion of this account. 

Thank you for your help, 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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

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: AL

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 explanation
Consumer complaint received 2025-07-30 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: NV

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 XXXX of the Fair Credit Reporting Act.

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: Incorrect information on your report — Information belongs to someone else
Company: Continental Finance Company, LLC
State: PA

Complaint narrative:
I did not authozie or open this XXXX  card. I believe this XXXX  card is the result of identity theft from the 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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and XXXX XXXX  that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ACCOUNTS : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$890.00} XXXX XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$270.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1800.00} INQUIRIES : XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/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 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 status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report XXXX XXXX XXXX XXXX  or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as XXXX  and XXXX  is a violation of the Fair Credit Reporting Act ( FCRA ), particularly XXXX XXXX. XXXX ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. 

This misreporting has negatively impacted my XXXX XXXX and XXXX hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: VA

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 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: EQUIFAX, INC.
State: VA

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 card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: PA

Complaint narrative:
On XX/XX/year>, I made a purchase for XXXX. It was marked delivered on XX/XX/XXXX at XXXX. However I did not receive anything. I contacted the delivery company and they investigated and deemed it as lost. I tried to get a refund with the MERCHANT and the SELLER but was unsuccessful. I escalated this to my DISCOVER card and eventually they sided with the MERCHANT instead. I provided proof that the delivery company lost the package, a notarized affidavit of non-receipt goods, a police report stating that the package was not there, e-mail correspondence from my property management team that there was NOT a delivery. Discover chose to side with the merchant and did not look further into this. If they contacted the delivery company themselves, they would've been able to confirm that everything I am saying is true.

Company response to consumer: Closed with non-monetary relief