vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-22 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: NY

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute the following items on my credit report. The information listed below is inaccurate and should be investigated and corrected under the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX, Account Number : XXXX * * * *, Date Opened : XX/XX/XXXX, Balance : {$2800.00} XXXXXXXX XXXX XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$6000.00} XXXX XXXX XXXX, Account Number XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$4800.00} XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00} XXXX XXXX, Account Number : XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$4900.00} XXXX, Account Number : XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} Inquiries : XXXX XXXX, Date of Inquiry : XX/XX/XXXX Late Payments : XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Account Number : XXXXXXXX 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 explanation
Consumer complaint received 2025-12-22 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: CA

Complaint narrative:
I am submitting this complaint regarding a charged-off auto loan reported by XXXX XXXX that appears on my credit report.

This account became delinquent during the XXXX pandemic due to significant health-related and financial hardship beyond my control. The hardship was temporary and directly related to the national emergency period. 

This negative account has now remained on my credit report for approximately XXXX years. Given the extraordinary circumstances surrounding the XXXX  and the length of time that has passed, I believe the continued reporting of this account is no longer fair or reflective of my current creditworthiness. 

I respectfully request that this account be reviewed for removal or adjustment consistent with consumer protection principles and Fair Credit Reporting Act standards, especially as they relate to pandemic-related hardship. 

I am requesting CFPBs assistance in facilitating a fair resolution, including removal or suppression of this negative tradeline from my credit report.

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 2025-12-22 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: GA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX Creditor Name : [ XX/XX/XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX  ] Creditor Name : [ XX/XX/XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX Creditor Name : [ XX/XX/XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX  ] Creditor Name : [ XX/XX/XXXX ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency.

FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period.

Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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: IL

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

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 2025-12-22 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: IL

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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: CA

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit 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 2025-12-22 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: MA

Complaint narrative:
I am submitting this complaint to dispute inaccurate, incomplete, and unverifiable information appearing on my TransUnion credit report. TransUnion is obligated under the Fair Credit Reporting Act to ensure maximum possible accuracy. 

Charged-Off / Collection Account in Dispute Collection Account Account Number : XXXX XXXX XXXX Account Date : XX/XX/year> Balance : {$1100.00} This account is being reported without proper validation. TransUnion has not provided proof of accuracy, ownership, or legal authority to report this account. If it can not be fully verified, it must be deleted.

Inquiries No inquiries listed under this dispute for TransUnion.

Late Payments in Dispute XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX 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 2025-12-22 00:00:00
Product: Credit card — Store credit 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: CITIBANK, N.A.
State: MI

Complaint narrative:
EVERYTHING BELOW HAS BEEN CHARGED TO MY MACYS CREDIT CARD AND I CAN NOT GET HELP CREDITING THE CARD ( s ) ... I have 3 concerns with Macys ... 1st Concern is I ordered 17 days ago ( XX/XX/XXXX ) a coat that has been delayed 3 times, there is no information as to where the coat is other than a XXXX tracking which tells me nothing and customer service and the credit card department will not do anything to find the product or credit my card on file {$68.00}. 2nd Concern is foreign customer support told me to discard the robe I received that was defective, no one has refunded this amount to my credit card {$31.00} and Macys keeps sending emails stating if I do not return the product, I will be charged, the robe was thrown away as I was told to do by XXXX  customer support. 3rd Concern is air purifiers I ordered on XX/XX/XXXX, when they arrived, I refused them and there were received back to the third party warehouse on XX/XX/XXXX. Since this time I have sent at least 3 emails to the CEO XXXX XXXX, called customer service several times 6-8, called the credit department several times 3-5 to include XX/XX/year> for 38 minutes and no one is doing anything to give me the refund back to my Macys credit card in the amount of {$170.00}. In the emails sent to Macys corporate I expressed problems with customer support and I needed help from corporate resolutions so what do I get, any email from them telling me to reach out to customer service after I told them in detail of the problems. Macys owes me a total of {$270.00} that I know of and I need to talk with someone that will go over all my credits back to the card ( s ) to make sure I am not missing anything other credits. THIS IS A REAL PROBLEM WHEN THE CEO IGNORES ALL OF THESE CONCERNS AND SENDS NO ONE TO HELP OTHER THAN TO TELL ME TO GO TO THE VERY DEPARTMENTS THAT ARE PROBLEMATIC. I have two Macys card and they are also not crediting the cards correctly, they pick at random and put a credit where ever they want. I am also getting charged interest for these mistakes. I HAVE A MACYS CREDIT CARD AND A MACYS XXXX XXXX XXXX XXXX, THEY ARE BOTH WRONG AS TO WHERE THE CREDITS WENT, MOSTLY TO THE REGULAR MACYS CARD.

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 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This situation has completely turned my life XXXX down. I discovered someone used my information to open accounts and damage my credit, and its been an emotional and financial nightmare. Every time I try to explain to the credit bureaus or the companies involved, Im met with silence or excuses. Im not just a number Im a real person trying to recover from something I didnt cause. Please help me get these fraudulent items removed so I can rebuild my life and protect my future.

I'm writing because my identity has been stolen, and it has caused me more stress than I could have ever imagined. Ive worked hard to build my credit and protect my name, but now Im being held responsible for accounts and debts that arent mine. Ive done everything I can to prove my innocence, but I feel like Im being ignored by the companies reporting this false information. I just want my name cleared and my peace of mind back. No one should have to fight this hard to be seen as themselves 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 2025-12-22 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I FOUND UNRECOGNIZED CREDIT INQUIRES IN MY CREDIT REPORT.

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 2025-12-22 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: AL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: TX

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights6 under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: BROKER SOLUTIONS, INC.
State: TN

Complaint narrative:
Product : Mortgage Refinance ( Cash-Out ) Issue Type : Predatory / Unfair Lending Practices Lender : New American Funding Property Location : XXXX XXXX , Tennessee Complaint Narrative I am filing a complaint regarding a mortgage refinance that I believe involved unfair, deceptive, and potentially predatory lending practices. 

I refinanced an existing XXXX fixed mortgage with an outstanding balance of approximately {$130000.00} and an interest rate of 3.99 %. At the time of refinancing, I was approximately XXXX years into the loan and did not have mortgage insurance. The purpose of the refinance was to obtain {$40000.00} in cash-out, and I had approximately {$90000.00} in total equity prior to the transaction. 

The refinance resulted in a new loan balance of {$190000.00} at an interest rate of 6.75 %. The transaction included {$7500.00} in points, {$3500.00} in newly required mortgage insurance, and total loan fees of {$15000.00}, most of which were rolled into the principal balance. After closing, I retained approximately {$50000.00} in equity. 

This refinance significantly worsened my loan terms. The interest rate increased by nearly 3 %, the principal balance increased by over {$55000.00}, mortgage insurance was added, and the amortization period was reset. A substantial portion of the new debt consisted of fees and lender charges rather than funds received by me. 

I believe this refinance failed to provide a reasonable, tangible net benefit and appears designed primarily to generate excessive fees. Given my remaining equity and strong prior loan terms, I believe less harmful alternatives should have been available. I am concerned that this transaction may violate state and federal consumer protection laws governing high-cost and predatory mortgage lending.

I am requesting that this refinance be reviewed for compliance with applicable consumer protection laws, including disclosure requirements, points and fee limitations, and standards governing fair and non-abusive lending practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA XXXX ( XXXX U.S.C. XXXX ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX  XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX  RM Account number : XXXX XXXX XXXX SVC XX/XX/XXXX XXXX XXXX SERVICE XX/XX/XXXX XXXX FINANC XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX FINANCI XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  FIN XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
The problem is that the company does not provide for an easy way to allocate your payment towards your oldest promotional balance in order to avoid interest from being applied at the end of the promotional period. I feel like this is to discourage people from noticing that their payments are being applied equally across any balances they may carry, and not necessarily to the balance that will soon mature and accrue interest. Had I not looked to see how the payment was applied, I would not have known, and my balance could have exceeded the promotional period letting them charge me all of the withheld interest. I doubt that it is a technological challenge for web based payment allocation across balances, and to me this practice seems like a an attempt to gum up the process of applying your payment properly and actually paying off your promotional balance by the intended date.

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 2025-12-22 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The 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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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: NY

Complaint narrative:
I am submitting this complaint regarding inaccurate, incomplete, and unverified information being reported on my Experian credit report. I have made good-faith efforts to review and correct my credit file, but the following items continue to be reported without proper validation or accuracy. Under the Fair Credit Reporting Act ( FCRA ), Experian is required to ensure that all information reported is complete, accurate, and verifiable. 

Charged-Off Account in Dispute XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8000.00} Unauthorized / Questionable Inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ( duplicate entries ) XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX FIN XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  SERVICE XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  FINANC XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX CO XX/XX/XXXX Late Payment Reporting XXXX CARD Account Number : 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