vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-07 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: TX

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer 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 non-monetary relief
Consumer complaint received 2025-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: AR

Complaint narrative:
So I call u.s bank dispute department yesterday regards filing a dispute the I noticed was unauthorized and the person I talked to I was very nice but I noticed that while we were on the phone she ask me some simple questions regarding asking me how much the transaction which is {$150.00} was I wanted to dispute then after gotten ask a few more questions regarding filing the dispute so after completing of the questions and being told how long it would take for provisional credit. Then was told that I was gon na have to get a replacement debit card and virtual card which I did. After getting off the phone I went the log into my mobile banking app to track my claim and noticed that my claim that I just filed wasnt showing in there.

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 2025-10-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I assert that the incorrect late payment entries on my accounts are in breach of 15 USC 1666. I have consistently paid on time, and any errors in this reporting are not only unfair but also unlawful.

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 2025-10-07 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:
I am not associated with the creditors listed and did not authorize this inquiry. Please remove it from my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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 writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/year> -- {$22000.00}

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 2025-10-07 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: GA

Complaint narrative:
b'Formal Notice of Credit Reporting Violation  15 U.S.C.  1681s-2(b)\n\nDear experian\n\nI am writing to dispute the accuracy of information you have furnished to the credit reporting agencies concerning account, [XXXX]. I recently reviewed my credit report and noticed information that appears to be inaccurate and/or unverifiable.\n\nAccording to 15 U.S.C.  1681s-2(b) of the Fair Credit Reporting Act (FCRA), once a furnisher receives notice of a dispute from a credit reporting agency, you are required to:\n\n    Conduct a reasonable investigation of the disputed information;\n    Review all relevant information provided by the credit reporting agency;\n    Report the results of your investigation back to the bureau; and\n    Correct or delete any inaccurate, incomplete, or unverifiable information across all consumer reporting agencies to which you have furnished such data.\n\nPlease provide written verification of the investigation results and documentation that supports the accuracy of the information being reported. If you cannot verify the accuracy of this information, you are required by law to delete it from all credit reporting agencies.\n\nFailure to comply with the investigation and correction duties outlined under 15 U.S.C.  1681s-2(b) constitutes a violation of federal law and may result in formal complaints being filed with the Consumer Financial Protection Bureau (CFPB) and other regulatory bodies.\n\nPlease respond within 30 days of receipt of this notice.\n\nSincerely,\n\nXXXX 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 2025-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: MI

Complaint narrative:
I'm writing to formally express my concerns of chime handling disputes particularly in light of recent CFPB lawsuit, highlighting significant issues with the platform despite using chime numerous of times And reporting discrepancies my financial institution and chime failed to investigate my claim adequately they they informed me that covering loss funds what is impossible and tracking these transactions was infeasible the CFPB 's finding indicates that chime has not only neglected to protect consumers, but also allow repeated offenders to explore the system leaving users vulnerable to scam 's the lack of accountability and transparency is unacceptable and erase serious concerns about consumer

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

Complaint narrative:
XXXX Notice XXXX XXXX XXXX and Demand for Immediate Correction & Deletion Date : XX/XX/XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone : ( XXXX ) XXXX To : Equifax XXXX XXXX XXXX XXXX. Box XXXX XXXX, GA XXXX Experian XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXXXXXX XXXX, TX XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Subject : Formal Revocation of Consent, Notice of Violations, and Demand for Immediate Deletion of Unlawful Entries This correspondence serves as a formal and binding notice under the authority of the following federal laws : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

GrammLeachBliley Act ( GLBA ), 15 U.S.C. 68016802 12 C.F.R. 1016.7 ( Right to Opt Out ) Family Educational Rights and Privacy Act ( FERPA ), 20 U.S.C. 1232g ( b ) Per 15 U.S.C. 1681 ( a ), Congress explicitly recognized : " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' I hereby revoke all past, present, or implied consentverbal, written, or otherwiseauthorizing any entity to disclose, share, or furnish my nonpublic personal information to third parties or consumer reporting agencies. 
XXXX. Violations Identified XXXX. XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Bankruptcy XXXX, XXXX XXXX of Florida Chapter XXXX XXXX, Filed XX/XX/XXXX. 
XXXX deletion of this record from all reports. 
XXXX. Inaccurate and Unauthorized Personal Identifiers Remove all inaccurate names, outdated addresses, and unverified phone numbers. 
Keep only : Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, FL XXXX Phone : ( XXXX ) XXXX XXXX. Unauthorized and Adverse Account Reporting XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Department of XXXX XXXX XXXX XXXX XXXX 
Delete all adverse or unauthorized accounts and cease future reporting.

4. Unauthorized Credit Inquiries Remove all hard and soft inquiries made without explicit written consent.

III. Summary of Demands Within 30 days of receipt of this notice, you must : 1. Delete all inaccurate, unauthorized, and adverse information listed above.

2. Cease and desist from any further reporting or disclosure of my nonpublic personal data.

3. Provide written confirmation of all deletions and corrections.

4. Send an updated copy of my corrected consumer report.

Failure to comply will constitute willful noncompliance under 15 U.S.C. 1681n & 1681o and may result in statutory damages and legal action. 
IV. Verified Information ( to Remain on File ) Full Name : XXXX XXXX XXXX of Birth : XX/XX/XXXX Address : XXXX XXXX XXXX, XXXX, FL XXXX Phone : ( XXXX ) XXXX Respectfully, ___________________________ XXXX XXXX Consumer / Data Subject under 15 U.S.C. 1681 ( a ) CC : CFPB, FTC, Florida Attorney General

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
Concerns regarding Zelles handling disputes, particularly in light of the recent CFPB lawsuit, highlighting significant issues with the platform. Despite using Zelle numerous times and repeatedly discrepancies, my financial institution and Zelle failed to investigate my claims accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I affirm that the false late payment entries on my accounts are a violation of 15 USC 1666. I have consistently met my payment obligations on time, and any reporting errors are both wrongful and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/year> at around XXXX XXXX  I was sleeping in a room I rented from booking. XXXX. I was woken by a man slamming on my door and yelling in the ball. After a few more slams on my door I cracked it open and he proceeded to tell at me about flooding the downstairs apartment from the bathroom that was upstairs. I hadn't been in the bathroom since around XXXX XXXX. I called booking as soon as I could not hear him anymore and told them why I was leaving. I was assured that this would be taken care of and reported. I booked another hotel, had to wait until a room was clean, and was finally able to get XXXX at around XXXX XXXX. 

A month later I received a full stay charge for {$210.00} and a damages charge for {$240.00}. I received no notice from XXXX XXXXXXXX ahead of time. I have been disputing with my credit card company XXXX  XXXX ever since. They have continued to deny my claims due to not enough or incorrect documents, even after I confirmed on the phone what they needed. It is XX/XX/XXXX and I can't manage to fight this in my own anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: MO

Complaint narrative:
During 2020, my Discover Card account was reported late and charged off while I was under financial hardship due to COVID-19. Under Section 4021 of the CARES Act, lenders were required to report accounts as current if the consumer was affected by the pandemic or placed in an accommodation plan. I was financially impacted and unable to make payments for a short time, but the account was later paid and closed with a {$1400.00} write-off. Discover did not offer or disclose available hardship or relief options before charging off the account. The negative payment history and charge-off reporting are inaccurate under the CARES Act and FCRA 602 ( A ) ( 1 ) accuracy provisions. I am requesting a full investigation and correction or removal of the late payments and charge-off from 2020. Supporting documents can be provided upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : 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 has violated my rights . 

I looked at my credit reports and noticed that some things are inaccurate and incomplete. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum and possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have called weekly and given Case Numbers to reference when calling back to check the status of my account recovery. The complaints are escalated, and I am always told it will be resolved in 7 days. It has not been resolved since XXXX XXXX and has carried over to my being blocked from complete access to my credit file. Proof is in the attached documents.

Also attached is the TransUnion Data Breach Notice for the data breach that occurred in XXXX XXXX.

Transunion has not addressed my complaint, and it has taken longer than 30 days for a resolution.

I have no choice but to report Transunion 's activity to Attorney General of my state.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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:
I urge you to act swiftly in removing these unauthorized inquiries from my credit report. They are causing significant distress, and I have provided documentation for verification. Please expedite your investigation into this matter.

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 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-10-07 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: NJ

Complaint narrative:
Respect the law outlined in 15 U.S. Code 1681g by removing the accounts under dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: SC

Complaint narrative:
I was admitted into the XXXX  and had health insurance where i was 100 % covered

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I recieve the majority of my income from PayPal, for the past 3 years I've had no issue, until they started pulling money from my savings without consent. 

I unlinked my account to prevent more fraudulent transactions, however, now I can't relink my account. My income is now at a halt and they are holding my wage from me.

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

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-10-07 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: IN

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 2025-10-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: WV

Complaint narrative:
I am formally requesting the deletion of this incorrect account from my credit report, as I never authorized its creation or use. I have included the necessary documentation to support my case.

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