vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-29 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: PA

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2025-12-29 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: TX

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center. 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. 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 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 2025-12-29 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: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-29 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: TX

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
im going to upload this letter attached at the bottom... I want all 3 Major Credit Bureaus XXXX XXXX and XXXX to delete this auto loan off my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: AMERISAVE MORTGAGE CORPORATION
State: TX

Complaint narrative:
Subject : Complaint Regarding NonRefundable RateLock Fee AmeriSave Mortgage.

I am filing a complaint regarding AmeriSave Mortgage and a {$500.00} ratelock fee I paid during a mortgage application process.

I paid the {$500.00} fee to lock in an interest rate ; however, the loan was never finalized or approved. Despite this, AmeriSave has informed me that the fee is nonrefundable.

My concerns are as follows : 1. The loan did not close, so the rate lock was never used to complete a transaction.

2. I fulfilled all borrower requirements, provided all documentation, and acted in good faith.

3. AmeriSave has not provided a clear explanation of why the loan failed to finalize or why the fee is being retained. 
4. I was not provided with clear disclosure that the fee would be nonrefundable if the loan did not close.

5. I requested documentation showing the clause that authorizes keeping the fee, but I have not received a satisfactory response.

I am requesting the CFPBs assistance in reviewing this matter and determining whether AmeriSaves retention of the {$500.00} fee is compliant with federal consumer protection guidelines. 
Thank you for your attention. 
Sincerely, XXXX XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Second Alliance, Inc.
State: MO

Complaint narrative:
I am disputing a collection account for {$990.00} that is the result of an administrative error by the original creditor, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  The university failed to process my secured federal student aid despite my timely submission of all required identity verification. I formally disputed this validity directly with the collection agency on XX/XX/year>. I subsequently disputed the item with the credit reporting agency on XX/XX/year>, providing documentation of the administrative failure. On XX/XX/year>, the agency verified the debt as 'accurate ' without addressing the evidence provided. The agency is currently reporting inaccurate information in violation of the FCRA, as the underlying balance is not validly owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding inaccurate and potentially unverifiable information on my Experian credit report. I request that the CFPB ensure Experian performs a thorough investigation under FCRA guidelines. 

1. Charged-Off Accounts in Dispute 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 XXXXXX/XX/XXXX, Balance {$13000.00} These accounts may contain errors related to dates, balances, or status. I request verification directly from the original creditors or deletion of any unverifiable information.

2. Inquiry in Dispute XXXX XXXX XXXX, Dated XX/XX/XXXX This inquiry appears without my authorization or direct application. Please verify its legitimacy and remove it if found to be unauthorized. 

3. Late Payments in Dispute XXXX XXXX XXXX, Account ending 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 I am requesting a review to confirm that all late payments are accurately reported. Any unverified delinquencies should be corrected or deleted. 

4. Previous Address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX Please remove this outdated address from my Experian credit file.

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 2025-12-29 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: FL

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2025-12-29 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: CA

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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 2025-12-29 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: TN

Complaint narrative:
Despite multiple disputes, this inaccuraries continues to be reported. There is no indication the data furnisher met their duty to ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Consumer Real Estate Finance Co.
State: OH

Complaint narrative:
I was retaliated against due to a mess up with they loan officer they did not advise me he didnt know what he was doing and all the information he was giving me was incorrect until the day we was supposed to close out on the house then the manger and supervisor took charge I did tell them if they do not fix this I will have to report this then they started asking me to resend all my documents to get me re approval during closing do not answer any questions even told me to take my closing money out my bank account give it to somebody else and have them pay the closing fees that way because they didnt want to have to verify my income again the then dragged it on over 49 days when it was supposed to been 30 days then they said the reason for them not closing is because my money I didnt make enough but I got a second opinion from another company they said i definitely qualify and they seen everything but the people was treating me and my realtor so harsh and horrible my experience was horrible I didnt get my house sadly because of the time frame seller went with other people after the society Morgage people played me I have proof recordings and emails I let everything

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: WLCC
State: CA

Complaint narrative:
XX/XX/year> this company Lendpop offered me XXXX loan after receiving an online approval I then received the funds in my bank account without speaking to a representative to see if I wanted to accept the offer. The contact support team have not responded. They now have my personal information and I havent spoken to anyone from this company and dont believe this company is legit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: GA

Complaint narrative:
I am submitting this dispute to request investigation of potentially inaccurate information on my TransUnion credit file. 

Charged-Off Accounts in Dispute : XXXX XXXX Acct # XXXX Balance {$95.00} XXXX  XXXX Acct # XXXX Balance {$5900.00} XXXX XXXX Acct # XXXX Balance {$590.00} XXXX XXXX Acct # XXXX Balance {$140.00} XXXX XXXX Acct # XXXX Balance {$11.00} XXXX  XXXX Acct # XXXX Balance {$2400.00} Inquiry in Dispute : XXXX Date : XX/XX/year> I do not recall authorizing this inquiry and request investigation and removal if unauthorized. 

Late Payment : XXXX  XXXX Acct # XXXX I dispute this late payment notation as inaccurate or not properly verified. 

I request TransUnion conduct a thorough investigation and remove any accounts, inquiries, or late payments that can not be verified as accurate, complete, and authorized under the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am disputing several accounts and inquiries currently being reported on my Experian credit report that I believe are inaccurate, unverifiable, or reported in error. 

Charged-Off Accounts in Dispute : XXXX XXXX Acct # XXXX Opened XX/XX/XXXX Balance {$95.00} XXXX  XXXX Acct # XXXX Opened XX/XX/XXXX Balance {$5900.00} XXXX XXXX Acct # XXXX Opened XX/XX/XXXX Balance {$590.00} XXXX XXXX Acct # XXXX Opened XX/XX/XXXX Balance {$140.00} XXXX XXXX Acct # XXXX Opened XX/XX/XXXX Balance {$11.00} XXXX  XXXX Acct # XXXX Opened XX/XX/XXXX Balance {$2400.00} Inquiry in Dispute : No inquiries listed under Experian at this time. 

Late Payment : XXXX  XXXX Acct # XXXX Reported late payment ; I dispute this reporting as inaccurate or unverified. 

I am requesting a full investigation and verification of each item listed. If the furnishers can not verify accuracy and ownership of the information, please delete it from my Experian report pursuant to the Fair Credit Reporting Act ( FCRA ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I contacted American express several times regarding some disputes. I was told that the disputes would be resolved and found out later they weren't. I called back in and ws told it was resolved again and then later found that it wasnt. I called in several times I get transferred around and get told I will be getting a callback and no one calls back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
On XX/XX/year> my wife sent me {$2300.00} on XXXX  and they held the funds, for no reason, we both sent in our identification to verify funds and they unfroze the account I then attempted to withdraw the funds and they suspended my account permanently and held the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Unauthorized accounts are being reported on my credit report under my name without my permission or knowledge.

I have never authorized or managed these accounts, making this situation entirely unacceptable.

It introduces inaccurate and misleading information into my financial history.

I take my credit profile very seriously, and the presence of these unauthorized accounts has caused me significant concern.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: CO

Complaint narrative:
Overview of Complaint : I am submitting this formal complaint against U.S. Bank for predatory overdraft practices, refusal to honor account instructions, retaliatory behavior, and damage to both my credit standing and small business operations. I believe their actions violate basic principles of fairness, good faith, and consumer protection.

Background : When I opened my account with U.S. Bank, I clearly informed the bank that I would only allow one overdraft transaction. Despite this, U.S. Bank approved five separate overdraft charges, each triggering a fee. I was never notified or consulted. 

On XX/XX/2025, a senior banker at U.S. Bank told me that approving multiple overdrafts was done at the banks discretion, regardless of my preferences. I was shocked to learn that the bank could override my explicit limits and allow multiple withdrawals from my account placing me in a negative balance without warning. 



My Original Request : At first, I was not trying to escalate this situation. I simply asked for the overdraft fees to be removed and to continue using my account as normal. I was even willing to pay the amount that was taken out and one overdraft fee the one I had agreed to when the account was opened.

U.S. Banks Retaliatory Actions : Instead of resolving this amicably, U.S. Bank : Dismissed my complaint, stating they would do nothing.

Sent the balance to collections, negatively impacting my credit.

Closed my checking account, harming my personal and business finances.

Attempted to coerce me into depositing money into my other U.S. Bank account seemingly to seize it and cover the balance from the first account.

When I refused to do so, they closed that second account as well.

This series of actions has deeply affected my ability to function financially, damaged my credit, and created unnecessary hardship. I consider it retaliatory and coercive, especially in light of how minor the original dispute was.

My Position Now : Given the way I have been treated, I no longer seek to continue any relationship with U.S. Bank. At this point, I want all debts between me and U.S. Bank considered even. I do not owe them anything further, and they should not continue to pursue collections, negative credit reporting, or any form of retaliation.

Resolution Requested : I am asking the CFPB to : Investigate U.S. Banks overdraft authorization and escalation practices, Ensure U.S. Bank recalls the debt, removes it from collections, and ceases all credit reporting related to this case, Ensure no further retaliation, fees, or actions are taken against me They have also made it near impossible to get any of my account numbers due to paperless billing

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