vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-22 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: OK

Complaint narrative:
I noticed some inaccuracies on my credit reports that seem to be affecting my ability to get credit, as I've recently been denied by a few creditors. I'd really appreciate it if you could take a closer look at the accounts and inquiries in question. As you know, it's important that the information reported is accurate, so I kindly ask that you investigate and update the records as needed. I'm hoping we can get this sorted out smoothly and avoid any further issues down the line.

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 2025-09-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Union Home Mortgage Corp
State: OH

Complaint narrative:
Mortgage paid to Union Home Mortgage on XX/XX/2025 with sufficient funds in my bank account. Payment was cancelled by UHM on XX/XX/2025. I was never notified in any aspect by UHM about the returned payment until I was notified by email that my account was delinquent a month later. I am currently trying to sell this house since my mortgage has gone from XXXX XXXX/month to now XXXX XXXX/month in 5 years and we can no longer afford it. With this incident, it has tanked both me and my wife 's credit scores by XXXX points to where we may not get the rate that we want, if at all. I tried to resolve it with UHM but they said it was not their problem. I have never missed a payment in my 10 years of paying a mortgage so this has been incredibly frustrating, given the timeline as well.

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 2025-09-22 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: CHARLES SCHWAB CORPORATION, THE
State: CA

Complaint narrative:
I am writing to file a formal claim regarding Schwabs admitted mishandling of my funds, which has caused me direct financial loss and significant inconvenience. 

Timeline of Events I was initially advised by Schwab representatives that I should send a money order to fund my account. I was further told the money order would be received and cashed at Schwabs XXXX XXXX, Texas processing center. 

I purchased money orders totaling {$1100.00} and mailed them as instructed. 

Schwab later decided to return the money orders, but they were mailed back to the wrong address and without tracking.

Schwab has since admitted : That I was incorrectly instructed to send a money order in the first place. 

That the funds would not be processed in XXXX XXXX as I was told. 

That the return mailing was mishandled wrong address and no tracking. 

That Schwab is unable to retrieve the money orders. 

Impact As a result of Schwabs operational errors, I remain without access to my {$1100.00}, have lost time, and have incurred significant stress and inconvenience while being told to resolve the issue myself through XXXX XXXX Schwab has offered me a {$200.00} credit, which does not make me whole and is inadequate given the scale of the loss and the admitted multiple errors. 

Requested Resolution I am requesting : Full reimbursement of the {$1100.00} lost due to Schwabs error, by ACH or wire transfer to my bank account. 

Additional compensation for the time lost, the financial impact of being without my funds, and the mishandling that caused this issue. 

A written acknowledgment of the errors made and a clear statement of corrective steps Schwab will take to prevent this from happening to another client.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I had a company card with a previous employer. I turned the card in when I stopped working there and my employer shredded it. My previous employer is contacting me because they did not receive the final account statement or any of the closure letters I requested from Chase ( 3 total : one by online customer portal, two by phone ). I have contacted Chase multiple times about this over the past year. The most recent contact was XXXX weeks ago when I was promised a digital copy of the letter would be available to me in the online portal. Since then, my access to the online portal and any account details has been blocked. I called today to try to resolve this and was told no one could activate my account or provide any information, and that I would need to use bankvod.com to pay to request a closure letter or account statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$8200.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$700.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$490.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1900.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$11000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-22 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: TN

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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:
Consumer Name : XXXX XXXX XXXX Social Security Number:XXXX, Consumer Date Of Birth : XX/XX/scrub>XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant FCRA 605B ( 15 U.S.C 1681c-2 ) that Transunion, Equifax and Experian credit reporting agencies, block information from appearing on my consumer credit reports that is a result of identity theft and fraud within 4 business days of you receiving this complaint. The listed items below are fraudulent, inaccurate and false information. Credit Reporting Agencies failed to show " METHOD OF VALIDATION and my written '' PERMISSIBLE PURPOSE '' of dispute without providing validation of each step made in the investigation to the consumer. I did not give my permissible purpose to furnish information to my consumer report. The aforementioned accounts connected to my information was compromised in two data breaches.Transactions and experiences between the consumer and the person furnishing the report should not be furnished on my consumer report. Per FCRA 15 U.S.C. 1681a ( 2 ) ( a ) ( i ) Account info and Payment history constitutes as transactions and experiences between me as the consumer and reporting agency or person that is furnishing the report. The FCRA states a consumer must have clear and conspicuous understanding of disclosures before any agency furnish information to a consumer report. Exposure of Account Info and Payment history on non-government, private for profit credit reporting agencies can expose a thief enough information to commit fraud and per FCRA I have the right to privacy within the FCRA and FDPCA laws and standards. The aforementioned accounts and items in affidavit and listed below is causing financial harm to my consumer report through identity theft and fraud please cease communication and reporting ASAP. 1. DEPT OF EDUCATIONXXXX XXXX ACCT # XXXX. Opened these separate dates XXXX. These fraudulent entries thats appearing on my consumer report that is maintained by you were not furnished, made or initiated by me and pursuant to FCRA 605b I did not give my written or verbal or written permissible purpose to do so. ALL of the aforementioned entries is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned entries listed above are the result of identity theft and fraud. I have attached 3 forms of identity validation with this federal complaint that can also be used to validate my information in the data breach database. Failure to rectify this situation within 4 days will be the result of willfull non compliance pursuant FCRA ( 15 U.S.C 1681o ). Done In Good Faith-All Rights Reserved-Without Prejudice-Non Assumpsit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 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: IL

Complaint narrative:
I am filing this complaint because my credit reports continue to reflect XXXX collection accountsone with XXXX XXXX XXXX and XXXX with XXXX XXXX XXXX do not belong to me. 
I never applied for, opened, or authorized the debts underlying these accounts. They are fraudulent/unauthorized obligations. 
I have repeatedly disputed both accounts with all three consumer reporting agencies pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). 
Each time, the bureaus responded that the accounts were verified and refused to remove them. No documentation or proof of ownership has ever been provided to me. 
Both XXXX and XXXX continue to report and attempt collection activity, despite my disputes and despite clear notice that these debts are not mine. 
The continued reporting of these accounts is inaccurate and unlawful. This has caused me serious harm, including lowered credit scores, denial of credit opportunities, reputational damage, and emotional distress. 
Laws Implicated Fair Credit Reporting Act ( FCRA ) : Failure to reasonably reinvestigate disputes ; continued reporting of inaccurate information. 
Fair Debt Collection Practices Act ( FDCPA ) : Reporting and attempting to collect debts not owed. 
Relief Requested Removal of the XXXX and XXXX XXXX collection accounts from my credit reports with all three bureaus. 
Confirmation that neither XXXX nor XXXX will pursue or attempt to collect on these fraudulent debts. 
Oversight and enforcement by CFPB to ensure compliance with federal law by both the debt collectors and the consumer reporting agencies. 

XXXX XXXX XXXX XXXX : XX/XX/year> 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 2025-09-22 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: VA

Complaint narrative:
When I went and disputed fraudulent accounts on my credit report, I never got a proper investigation. These accounts are negatively impacting me by still being on my report. The only thing that I received was a letter stating that I didn't provide enough information for them to do an investigation. I will upload everything that I sent to all three credit bureaus. The fraudulent account is : XXXX XXXX XXXX ( {$2700.00} ). The credit bureaus violate 15 USC 1681i and 15 USC 1681 ( e ) ( b ) by not looking into my dispute and investigating like they should.

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 2025-09-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: NJ

Complaint narrative:
I, XXXX XXXX, am filing this complaint as a victim of identity theft concerning a fraudulent account with Discover Financial Services ( Account # XXXXXXXX XXXX XXXX XXXX XXXX ) that continues to be reported on my XXXX  and XXXX  XXXX files, despite my prior disputes. This account was opened without my knowledge or consent, and its continued presence as a charge-off violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B ( 15 U.S.C. 1681c-2 ), causing ongoing harm to my creditworthiness, financial opportunities, and emotional well-being. 
According to my three-bureau credit report dated XX/XX/XXXX ( Reference # XXXX ), the account details are as follows : Creditor : Discover Financial Services ( listed as DISCOVERCARD ) Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ( XXXX  ) Type : Revolving ( Credit Card ) Date Opened : XX/XX/XXXX ( both bureaus ) Balance : {$4000.00} ( both bureaus ) Status : Derogatory / Collection/Chargeoff Comments : " Charged off as bad debt '' and " Dispute resolved; reported by grantor '' ( XXXX  ) ; " Account was in dispute - now resolved - reported by subscriber '' and " Unpaid balance reported as a loss by the credit grantor '' ( XXXX  ) Last Reported : XX/XX/XXXX ( both bureaus ) Payment History : Shows charge-off ( CO ) and late payments ( 90180 days ) from XX/XX/XXXX onward, with last payment on XX/XX/XXXX XXXX  : No data reported for this account I have never opened, authorized, or made payments on this credit card account. I previously disputed this account with XXXXXXXX XXXX XXXX XXXX providing proof of identity, an identity theft report, and a statement that I did not initiate this transaction. XXXX  does not report this account, suggesting it was either removed or never reported, but XXXX  and XXXX  continue to verify it without proper investigation, claiming it was " resolved '' by Discover Financial Services. Under FCRA Section 605B, credit reporting agencies must block identity-theft-related information within 4 business days of receiving proper documentation, which I provided. Their failure to do so is a direct violation of federal law. 
Furthermore, Discover Financial Services has not provided verifiable proof, such as a signed contract, to substantiate this account, despite my requests under FCRA Section 623. This ongoing reporting has contributed to my low credit scores ( XXXX  : XXXX, XXXX  : XXXX ), led to credit denials, and caused significant emotional distress due to the persistent threat of identity theft, as evidenced by the fraud alerts on my XXXX  and XXXX  files ( active since XX/XX/XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: PLANET HOME LENDING, LLC
State: KS

Complaint narrative:
We've repeatedly been forced to call in to make payments for our mortgage. The online system does not work and can not be changed to pull from a different account for monthly payments. This month, I called in and they now say they require a certified funds check. This is impossible. We're rural. I do not have the XXXX XXXX XXXX to the bank, obtain a physical check, mail it to them, and see timely processing. They can't even process a direct ACH transfer in under a week so I don't see this ever happening quickly enough for on-time payment. Planet Home Lending is untrustworthy, not up-to-date with modern tech, and absolute garbage for customer service. I do not have faith that they are working in our best interests, and they are unwilling to allow us to fairly pay our mortgage on time or maintain good status. I've been on hold for an hour with XXXX support for the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: CA

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: CA

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-09-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX Here is what is happening. I don't have dates or amounts because my PayPal Credit account I closed already. Therefore, they won't allow me to see the amounts and fraud charges.I am trying to close my PayPal account. PayPal will not allow me to close this account because it shows an open fraud of {$500.00}. They told me to call XXXX XXXX  regarding the open case. You should know that I have done this XXXX times now. I get the same response from XXXX every time. I am told that the open case should be closed, as all fraudulent claims have been taken care of. XXXX XXXX  states that I need to tell PayPal that I have spoken with them, and they should close my PayPal account. PayPal is refusing to close it. I did ask them to contact XXXX, but they refused that as well. The dates I have called are XXXX XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX  Date : XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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