vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-10 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:
Formal Dispute and Notice of Violations of the Fair Credit Reporting Act ( FCRA ) In accordance with the Fair Credit Reporting Act ( FCRA ), I am formally disputing the accuracy and legality of several accounts currently appearing on my credit report. The following furnishers and reporting entities have violated my federally protected consumer rights to privacy, accuracy, and confidentiality, as provided under 15 U.S.C. 1681 et seq. : XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXXXXXX XXXX XXXX Account XXXX : XXXX XXXX ( XXXX ) Account # : XXXX These accounts are being reported without lawful basis and contain inaccurate, incomplete, or unverifiable information. The following federal statutes have been violated : 15 U.S.C. 1681e ( b ) Reasonable Procedures for Maximum Possible Accuracy Consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information they report. The continued reporting of these inaccurate accounts indicates a failure to comply with this obligation.

15 U.S.C. 1681i ( a ) ( 5 ) Treatment of Inaccurate or Unverifiable Information If an item of information disputed by a consumer is found to be inaccurate, incomplete, or can not be verified after a reinvestigation, the consumer reporting agency must promptly delete or correct that item, and notify the furnisher of that change. These accounts remain on my credit report without validation or proper resolution despite disputes. 

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Duty of Furnishers to Report Accurate Information Furnishers of information must not report any information relating to a consumer if they know or have reasonable cause to believe that the information is inaccurate. The continued reporting of unverified and erroneous account data constitutes a clear violation of this statute. 

15 U.S.C. 1681b ( a ) ( 1 ) Permissible Purpose for Accessing or Reporting Credit Information Consumer reporting agencies may only furnish a consumer report if there is a permissible purpose, such as with consumer consent or lawful justification. The inclusion of unvalidated and unauthorized accounts constitutes a breach of this provision.

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 2025-07-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Synchrony Bank has repeatedly called me at inappropriate times before and after XXXX, more than once in a row. They have now in response to my previous complaints requested that I update my information, my physical address and phone number. I have repeatedly attempted to update this information through their website and over the phone. Today, XX/XX/XXXX I called both phone numbers provided to me in their response to my XX/XX/XXXX complaint and the issue was still not addressed. Customer service tried to get me to agree to automated phone calls and debt collection calls again even after I explained that I have a request not to accept those calls. Customer service refused to update my phone number without my agreeing to the automated calls and debt collection calls. I made two payments, one {$30.00} on XX/XX/XXXX, and {$210.00} on XX/XX/XXXX that XXXX refused to honor even though I did have the appropriate balance in my bank account at that time. The payments were denied due to system error on XXXXXXXX XXXX end and I was marked late, my credit score decreased, and the aggressive spam calls at inappropriate hours continued.

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 2025-07-10 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: FL

Complaint narrative:
I am writing to formally dispute a hard inquiry on my credit report which I did not authorize. I have not provided any personal information or signed any agreement that would allow a third party to conduct a hard pull on my credit.

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 2025-07-10 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: GA

Complaint narrative:
I'm sending this today to you to follow up my previous letter concerning about the fraudulent items from my file. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. I'm requesting again for removal of the items listed below : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-07-10 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: SC

Complaint narrative:
Under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), if a credit reporting agency or data furnisher can not verify the accuracy of disputed information within the required timeframe, they are legally obligated to delete it. Since more than 60 days have passed without verification, this item must be removed from my credit report as it is now considered unverifiable and inaccurate

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 2025-07-10 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: CA

Complaint narrative:
This letter is a formal request to remove a hard inquiry that was reported on my credit profile without my knowledge or permission. I take my credit history very seriously and review it regularly to ensure all activity is accurate and verifiable.

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 2025-07-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical-Commercial Audit Inc
State: IN

Complaint narrative:
I just wanted to make sure that this was off my report. It is in collections still and its been past the days that I contacted them, I understand it was a holiday, but its going on two days before Friday. Ive been dealing with this for almost two years and just wanted to make sure its resolved and taken off everything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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 to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by Equifax Information Services LLC. Despite previous requests for correction, these violations continue to negatively impact my credit report and financial standing. 
Details of the Complaint : XXXX. Failure to Ensure Maximum Possible Accuracy The FCRA requires that credit bureaus and creditors ensure the accuracy of the information they report. My credit report contains inaccurate entries from XXXX XXXXXXXX XXXX and XXXX XXXX XXXX XXXX  that remain unverified despite formal disputes, causing significant harm to my credit score and credibility. Previous attempts to address these inaccuracies have been inadequately handled, demonstrating a failure to uphold FCRA standards for accuracy. 

XXXX. Inadequate Investigation and Reliance on Automated Verification Systems Under FCRA, 15 U.S.C. 1681i ( a ) ( 7 ) and 1681s-2, creditors and credit bureaus must conduct thorough investigations of disputed information. However, my previous disputes have been met with automated responses through systems like XXXX, which fail to meet legal requirements for a complete investigation. This approach neglects a comprehensive review of the disputed entries, perpetuating inaccurate information on my report. 

XXXX. Non-Compliance with Truth in Lending Act ( TILA ) Requirements As outlined in TILA, creditors must issue clear and accurate billing statements and disclose essential account information to consumers Equifax Information Services LLC has not adhered to TILA requirements in handling my account, resulting in erroneous charges and inaccurate reporting. This failure to comply with TILA has compounded the inaccuracies on my credit report, further violating my rights as a consumer. 
XXXX. Violation of FDCPA Standards for Accuracy and Non-Deceptive Practices The FDCPA mandates that debt collectors and furnishers of information must report accurate, verifiable data. The accounts in question have been repeatedly reported inaccurately, with misleading information that has not been corrected despite my disputes, constituting a violation of FDCPA protections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: IL

Complaint narrative:
I've Recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been determined to my life and credit health.

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 2025-07-10 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 am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-07-10 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: FL

Complaint narrative:
Ive been struggling and i owe cash app money, normally i pay there loan but i have been struggling. I got money from some one to order food for my kids and cash app took it to pay the loan, the whole thing not even a percentage, now my kids have only bread for dinner .. like im down bad and this is XXXX. You have no idea how much that hurt me. I wouldnt even taken the loan if i knew this is how they do buisness its not right these companies are squeezing money from people that can barely afford to live in this economy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: 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 explanation
Consumer complaint received 2025-07-10 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: CA

Complaint narrative:
I am writing to request the removal of a late payment inaccurately reported on my credit file. I have consistently maintained a history of on-time payments and have always honored my financial obligations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: AL

Complaint narrative:
Ive recently checked my credit report and noticed some inaccurate accounts 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 2025-07-10 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: NV

Complaint narrative:
Dear sir or madam, I am a victim of identity theft. The information listed below which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the fair credit reporting act, and send the required notifications to all furnishers of this information. Fraudulent accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Section 605B. Of the fair credit reporting act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnishes of that information.

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 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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:
Subject : Factual dispute regarding inaccurate information on XXXX account reported by TransUnion, Experian, and Equifax I am writing to formally dispute inaccurate and inconsistent information being reported on my credit file regarding an account with XXXX XXXX ( Account # : XXXXXXXX XXXX XXXX XXXX XXXX  ) by TransUnion, Experian, and Equifax. After thoroughly reviewing the account details, I found several factual errors and reporting violations under the Fair Credit Reporting Act ( FCRA ), particularly sections 1681i and 1681s-2. 

Here are the inconsistencies and factual inaccuracies : Payment History Reporting Violation : TransUnion is reporting CO ( charge-off ) status continuously for over two years ( 24 months ), from XX/XX/XXXX through XX/XX/XXXX. This is not only inaccurate but also misleading, as it falsely implies ongoing derogatory behavior despite the account being closed and charged off since XXXX. 
FCRA Violation : This constitutes a violation of 1681i ( a ) information must be accurate and complete. Charge-off should not be reported repeatedly month after month. 

Inconsistent Payment History Among Bureaus : Experian and Equifax report all monthly payments as OK ( current ) during the same time frame that TransUnion is reporting CO. This shows clear inconsistency in data among the bureaus, which violates 1681e ( b ) the requirement that information furnished must be accurate and consistent. 

Conflicting Dates of Last Activity and Payments : TransUnion lists the Date of Last Payment as XX/XX/XXXX, yet the Date Last Active is XX/XX/XXXX. 

Equifax shows Date of Last Payment as XX/XX/XXXX. 

Experian also lists XX/XX/XXXX. 
These conflicting dates among the same account from different bureaus raise serious concerns about the integrity of the information being reported. 

Inconsistent Credit Limit Reporting : Equifax is reporting a {$0.00} credit limit, whereas TransUnion and Experian report {$1500.00}. This is misleading and can negatively affect credit utilization calculations, directly impacting my score. 

Inaccurate High Balance Reported : Experian lists a high credit of {$0.00} while TransUnion and Equifax both report {$1900.00}. This is factually incorrect and should be uniform across bureaus. 

Requested Resolution : I am requesting that this account be : Immediately deleted from all three credit bureaus ( TransUnion, Experian, and Equifax ) due to repeated factual inaccuracies, data integrity issues, and clear violations of the FCRA. 

I have attached screenshots as supporting evidence. I request your assistance in ensuring the credit bureaus and data furnishers comply with the FCRA and maintain accurate and verifiable consumer information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: CA

Complaint narrative:
Dear CFPB Officer, I am filing this complaint regarding a fraudulent credit account that has been reinserted into my credit report without the proper notice, documentation, or legal compliance required by the Fair Credit Reporting Act ( FCRA ).

I submitted an official FTC Identity Theft Report ( Report Number : XXXX, dated XX/XX/XXXX ) which documents that the following account was fraudulently opened in my name : Company : XXXX XXXX Account Number : XXXX Date Fraud Began : XX/XX/XXXX Date I Discovered It : XX/XX/XXXX This account was previously disputed and removed. However, it has been reinserted into my credit file without notification. According to FCRA 611 ( a ) ( 5 ) ( B ), if a credit reporting agency reinserts previously deleted information : The agency must provide the consumer with written notice within 5 business days of the reinsertion. This notice must include the name, address, and phone number of the furnisher who provided the reinserted information. I never received this legally required notification, nor was I informed of the furnisher responsible for the reinsertion. This is a direct violation of my consumer rights and has negatively impacted my creditworthiness and financial well-being. Fair Resolution Requested : 1. Immediate and permanent deletion of the
 XXXX XXXX account from all credit reports ( Equifax, Experian, and TransUnion ).

2. Written confirmation from each credit bureau stating that the account will not be reinserted again unless they fully comply with FCRA 611.

3. An investigation into how this reinsertion occurred without notification, and whether XXXX XXXX XXXX or any third-party furnisher violated FCRA 623 ( a ) ( 6 ) by re-reporting fraudulent information. 4. Full restoration of my credit profile to ensure I am not penalized for any debt or delinquency related to this account. I respectfully request the CFPBs assistance in investigating this violation and enforcing accountability to ensure compliance with federal law. Enclosed is my FTC Identity Theft Report for verification.
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation