vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-13 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:
In accordance with the fair credit reporting act XXXX  account XXXX has violated my rights. 

15 USC 1681 section 604 A Section 2 : it always states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose. : 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 2025-07-13 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: FL

Complaint narrative:
I am writing to formally request a detailed explanation of the procedures your agency followed to verify the accuracy and completeness of the information currently under dispute, pursuant to 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification.

Under this section of the Fair Credit Reporting Act, I am entitled to a clear and complete description of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information that was contacted in connection with the disputed item.

Please provide this information within 15 days of receiving this request, as required by federal law and your obligations under the Fair Credit Reporting Act.

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 2025-07-13 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: CA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment 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 non-monetary relief
Consumer complaint received 2025-07-13 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: CO

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: COLLECTIONS USA, INC.
State: AZ

Complaint narrative:
I owe a bill to XXXX XXXX  for {$470.00}. I received statements from XXXX XXXX, but I hadnt paid off the debt so they sent it to a collection agency. the collection agency says I owe {$650.00} and I never received a statement breaking down what the additional cost is from. XXXX never gave me a statement of the additional cost and the collection agency never gave me a statement and never called me or tried to give me any written letter saying what the additional payment is from. They sent the collection to the credit bureau and put it as delinquent. Even though the collection agency never sent me a letter saying I owed {$650.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
In XXXX of XXXX  I received a letter from my lender XXXX XXXX XXXX  telling me that my loan was sold to Freedom Mortgage and that my next payment in XXXX would be made to them On XXXX XXXX  I received an email from Freedom Mortgage telling me the same thing as the XXXX XXXX letter and I was provided with a new account number. I have since tried to register the new account so I could make my payment and have been unable. I have also contacted the new lender with the account number and been told they did not have an account for me yet. On a second attempt to get access I called and asked If I could just attach my new account number with them to my loan that was already in place from another address. I was told this could not happen and that my transferring loan would not be in their system until XX/XX/year>XXXX  to make a payment. As of today I have not been able to access the new account using the account number they provided me using the email address they set it up under. Nor have I been able to reset a password for that email or use a new email to register. Notice on the companies website says late fees will not be charged for 60 days but I am accruing additional interest on this payment at no fault of my own and I would like to have this issue resolved.

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 2025-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
XX/XX/XXXX XXXXmy sister received a check which I usually deposited into my account each month I deposited into the account. I got a notice that it was an error so I tried to call the bank I couldnt get through. I called the next morning. They told me that my account was overdrafted And I spoke talk to a supervisor named XXXX. She hung up on me and put in a claim that I did not want I wanted an explanation for she told me several different things which none of the made any since. I didnt know she put any of the information into the system until I called back after she hung up on me now the want us to wait 10 days before we can even receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: TN

Complaint narrative:
This company added debt to my credit report without my permission. I have no knowledge of this debt or creditor. I would like it removed from report immediately. According to law XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: IL

Complaint narrative:
b'Elan Financial - XXXX  PA office (listed as HQ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXn\nEvery month my XXXX  card statement is incorrect. My card company ELAN Financials said, I selected auto-pay for XXXX and so every month it withdraws that predetermined amount from my bank\'s account, but then it claims it could not access the (misconfigured) account. They acknowledge XXXX  was never withdrawn, yet they declare that amount as returned and then add it as owed(a debit) to my leger\'s owed balance every month, ie, money owed and marked as "other debits."\n\nbelow is my XXXX XXXX statement. does thier math add up for you: "Previous Balance XXXX XXXX and New Balance XXXX  this month they listed other debits as XXXX which when added equals XXXX which means, to be explicit, that they are adding money never in play to my total debit every month, month after month! \n\nAccount Number: XXXX XXXX XXXX XXXX\nAn automatic payment of XXXX XXXX\nPrevious Balance + XXXXnPayments - XXXXnOther Credits XXXX\nPurchases 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 Statement\nPayment Options:\nXXXX XXXX  Card Elan Financial\nServices\n\XXXX and XXXX both said the same when  shown the above XXXX XXXX statement. \nFrom XXXX:\nYou\'re being charged XXXX in "Other Debits", and you didn\'t make purchases or receive cash advances or balance transfers. That "Other Debit" is almost certainly the "returned" XXXX autopayment, repeatedly, possibly stacked over months.\n\nIf we divide XXXX XXXX XXXX XXXX XXXXn\nThat strongly suggests theyve added the same failed auto-payment at least three times XXXX XXXX XXXX XXXX XXXX), even though that money was never actually transferred from your bank. And now they\'re treating it like you spent money or received services. Thats not legitimate accounting  it\'s inflating your owed balance using XXXX  payments.\n\nPlease contact this XXXX them to  provide:\n    A ledger of actual payments received from your bank\n    A breakdown of each Other Debit\nConfirmation of how returned payments are handled (and whether theyre being duplicated) \n\nand REMOVE FROM MY BALANCE  THOSE FRAUDULENT and  so sneakily called "other  debits" . They are nothing but ATTEMPTS STEAL MONEY'

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 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX XXXX ( Former last name XXXX ) XXXX XXXX XXXX XXXX XXXX Md XXXX XX/XX/XXXXXXXX  Equifax XXXX XXXX XXXX  XXXX, GA XXXX Re : Formal Dispute Inaccurate Reporting of Federal Student Loan Request for Deletion To Equifax Dispute Department , I am contacting you to dispute inaccurate information being reported on my credit report regarding a federal student loan account opened on XX/XX/XXXXXXXX XXXX 

The report shows 120 days late repeatedly each month, which is factually impossible and misrepresents the true status of the account. Once an account is 120 days late, it does not become newly 120 days late each subsequent month. This inaccurate reporting is artificially inflating derogatory marks on my report and harming my credit profile. This loan is also over 15 years old Additionally, this loan has been transferred or sold, and your records indicate Consumer disputes after resolution account transferred or sold. Reporting continuing monthly delinquencies after the transfer is inaccurate under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c, which requires accurate reporting and prohibits misleading representations of account statuses.

Given these inaccuracies, I am demanding the immediate deletion of this entire account from my credit report. Maintaining this tradeline in its current form is a violation of federal law and is materially and demonstrably inaccurate. 

Please complete your investigation within the required 30 days and send me written confirmation of the deletion. If this issue is not resolved promptly, I will escalate the matter with the Consumer Financial Protection Bureau ( CFPB ) and consider all legal remedies available under federal law. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX ( Former last name XXXX ) XX/XX/XXXX XXXX XXXX of social XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX XXXX ( Former last name XXXX ) XXXX XXXX XXXX XXXX XXXX Md XXXX XX/XX/XXXXXXXX  Equifax XXXX XXXX XXXX  XXXX, GA XXXX Re : Formal Dispute Inaccurate Reporting of Federal Student Loan Request for Deletion To Equifax Dispute Department , I am contacting you to dispute inaccurate information being reported on my credit report regarding a federal student loan account opened on XX/XX/XXXXXXXX XXXX 

The report shows 120 days late repeatedly each month, which is factually impossible and misrepresents the true status of the account. Once an account is 120 days late, it does not become newly 120 days late each subsequent month. This inaccurate reporting is artificially inflating derogatory marks on my report and harming my credit profile. This loan is also over 15 years old Additionally, this loan has been transferred or sold, and your records indicate Consumer disputes after resolution account transferred or sold. Reporting continuing monthly delinquencies after the transfer is inaccurate under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c, which requires accurate reporting and prohibits misleading representations of account statuses.

Given these inaccuracies, I am demanding the immediate deletion of this entire account from my credit report. Maintaining this tradeline in its current form is a violation of federal law and is materially and demonstrably inaccurate. 

Please complete your investigation within the required 30 days and send me written confirmation of the deletion. If this issue is not resolved promptly, I will escalate the matter with the Consumer Financial Protection Bureau ( CFPB ) and consider all legal remedies available under federal law. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX ( Former last name XXXX ) XX/XX/XXXX XXXX XXXX of social XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Robinson Economic Development Corporation
State: IL

Complaint narrative:
I applied for an online loan online on approx. Tuesday XX/XX/XXXX, for XXXX installment loan. On Wednesday, XX/XX/XXXX, or XXXX, I called and inquired. I was told that I will get the funds to my bank account, to confirm. I became suspicious because, they never asked for information of my employer, and I found this company was up for la suits for fraud. On Thursday, XX/XX/XXXX and XX/XX/XXXX. I called but no answer. I tried to email and log into the online account but was locked out with no access. To date, XX/XX/XXXX. I have received no funds in my bank and have notified my bank on XX/XX/XXXX, XX/XX/XXXX of XXXX of this fraudulent activity and to be on the look out, to not allow any funds to enter or XXXX deductions. On XX/XX/XXXX, I received an email during late hours at from XXXX threatening to deduct XXXX cash from my bank, with a loan number and payment reminder scheduled for XX/XX/XXXX. 

I NEVER RECIEVED ANY LOANS OR FUNDS FROM THIS COMPANY. 
Today is XX/XX/XXXX, and I have not received funds. 

Please help me. This company is a scamming less fortunate and vulnerable people. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am submitting a Final Notice of Noncompliance addressed to the credit bureaus. This document summarizes the ongoing violations of FCRA 1681i, 1681e ( b ), and 1681s-2 ( b ) after 3+ months of ignored or improperly handled disputes. I demand deletion of all unverifiable accounts within 10 calendar days or I will pursue legal and regulatory 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 explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
RE : Request for Debt Validation and Immediate Deletion from Credit Report Dear PORTFOLIO RECOVERY or To Whom It May Concern ], This letter is in response to a debt listed on my credit report with your companys name. I am formally requesting a complete validation of this alleged debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), Section 809 ( 15 U.S.C. 1692g ). Please provide the following information : The original creditors name, address, and account number. The original amount of the debt and any interest, fees, or charges added. A full accounting of how the amount was calculated. A copy of the signed contract or agreement bearing my signature. Proof that your agency is authorized to collect this debt in my state. A copy of any judgment, if applicable. A copy of the notice sent to me as required under the FDCPA. Until you can provide all of the above, I request the following : Cease all collection activities, including calls, letters, and reporting to the credit bureaus. Immediately remove this account from my credit report with XXXX, XXXX, and XXXX  as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) if it is not verified. If you are unable to fully validate this debt, I expect your agency to immediately delete the tradeline associated with this account from all consumer reporting agencies. Reporting unverifiable or inaccurate information violates the FCRA and FDCPA and will be reported to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). This is not a refusal to pay but a request for validation. 

Any further action without proper validation will be considered a willful violation of federal law and my rights as a consumer. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
XXXX says i owe XXXX. I dont owe them anything. I have asked to have this debt proven and it hasnt been. This is a direct violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: TX

Complaint narrative:
My personal information was exposed to XXXX XXXX Breach and my identity was stolen and I do not recognize this account listed below 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 2025-07-13 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:
My personal information was exposed to XXXX XXXX Breach and my identity was stolen and I do not recognize this account listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: MI

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
I have a XXXX $ on robinhood stuck on there because I was trying to move money from one debit card to another they locked my account and my ability to withdrawal and said they are reviewing my account which is ridiculous the debit cards are under my NAME and shouldnt be any issue

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian is reporting inaccurate information on my credit report. I submitted a dispute, but they did not correct or remove the incorrect data. They failed to conduct a reasonable investigation, and the issue remains unresolved.

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 2025-07-13 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:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

Company response to consumer: Closed with explanation