vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Idaho Housing And Finance Association
State: TX

Complaint narrative:
XXXX XXXX I made an payment of {$1800.00} ( via back account ) then XX/XX/year> I also made a payment of {$3400.00} ( sent via money order ) which arrived at HomeloanServ on XX/XX/XXXX @ XXXX. HomeloanServ fails to update payment history despite showing proof of payment amount and dates. I have contacted HomeloanServ several times for them to correct this information but they have refused stating I am late on my mortgage payments from XXXX XXXX. XXXX payment was made of {$3000.00}, XXXX {$2800.00}, XXXX {$1800.00} plus {$3400.00} ( My monthly mortgage payments {$2300.00} ). I did speak with XXXX XXXX XXXX lead XXXX she was definitely rude, and refused to update transaction history, stating is owed for XXXX. I was definitely confused due the fact XXXX has been paid, she was not helpful at all. I have received several demand notices stating I was behind in payments from XXXX to XXXX. Which all months of mortgage payments should be up to date

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: GA

Complaint narrative:
XXXX XXXX XXXX is reporting an inaccurate and unverified rental debt. 
I requested written validation of the debt, and instead of providing it, the representative became argumentative, refused validation, and hung up on me. 

They have provided multiple inconsistent balances : First told me I owed {$9000.00} Then reported a completely different amount Neither matches the official final account statement sent to me by the apartment complex ( XXXX  ), which lists the balance as {$3000.00} The collector has failed to provide any proof, itemization, or documentation required under the Fair Debt Collection Practices Act ( FDCPA 15 USC 1692g ).

Because the debt changes every time they contact me, and they refuse to validate the debt, the information is inaccurate and unverified and should not be on my credit report.

I am requesting : XXXX. Removal of the account from my credit report, as required when a collector can not verify a debt. 
XXXX. Written validation, including complete itemization, original lease charges, termination fee explanation, any concession reversals, and proof of assignment from the landlord. 
XXXX. Investigation into the collectors deceptive and abusive collection practices. 

I have attached the final statement from the apartment showing the correct balance for comparison.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

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 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation. 
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 explanation
Consumer complaint received 2025-11-29 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: IL

Complaint narrative:
I am writing to file a formal complaint against the Credit Reporting Agencies ( CRAs ) for violating the Fair Credit Reporting Act ( FCRA ), specifically Section 15 USC 1681b ( a ) ( 2 ), which governs the permissible purpose of furnishing consumer reports. 

The FCRA explicitly states : " A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I DID NOT provide any written authorization or written instructions to the CRAs to report or share my consumer report information. Despite this, my information has been disclosed, which constitutes a clear violation of the law. 

Equifax, Experian and Transunion have violated my consumer rights. I am attempting to settle this inaccurate matter privately, NOW. I received a copy of my credit report and noticed account ( s ) that needs to be immediately DELETED. It is as follows : 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 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 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 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 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 non-monetary relief
Consumer complaint received 2025-11-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Wanting to update my identity information after the Transunion data breach and request removal of any and all unauthorized or unverified hard inquiries that can not be confirmed directly by the furnisher.

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 2025-11-29 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: TX

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-11-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I got my car repossessed back in XX/XX/year>, i paid off everything that i had to pay to get my car but took affect on my credit score. Is there any way I can get some assistance in this matter or more information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this complaint because the credit bureau is reporting inaccurate and inconsistent information about multiple accounts across my credit file. I submitted a formal dispute with supporting documents, and the bureau either verified the information without providing any method of verification or failed to properly investigate.

The accounts in question contain one or more of the following FCRA violations : Inconsistent balance information across bureaus Different dates of first delinquency ( DOFD ) reported for the same account Inconsistent last payment dates and charge-off dates Payment history that is factually impossible or contradictory Status codes that conflict with other bureaus Verified results without providing any evidence of verification Failure to correct or delete information after written dispute Under the FCRA, the bureau must conduct a reasonable investigation. The results I received indicate the bureau failed to do so. I am requesting CFPB assistance to ensure : 1. A real reinvestigation is completed 2. The bureau obtains actual verification from the furnishers 3. All inaccurate or unverifiable information is corrected or deleted 4. A complete Method of Verification is provided I am attaching copies of : My dispute letter The credit report showing the errors My ID I am requesting full deletion of any information that the bureau can not properly verify.

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 2025-11-29 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
To ; The Consumer Financial Protection Bureau I am filing this complaint because the credit reporting agencies are reporting a XXXX  on my consumer report that is unverified, inaccurate, and can not be validated by any legally recognized data furnisher. 

I contacted the following primary sources who are the only legally permissible furnishers of bankruptcy information : XXXX XXXX The XXXX  Court All three confirmed in writing that they did NOT furnish, verify, or share XXXX  information regarding my file with any credit bureau. 

Therefore, the credit bureaus are reporting XXXX  information WITHOUT a legitimate source or the required certification of accuracy. 

LEGAL BASIS FOR REMOVAL FCRA 602 ( A ) Consumer reports must be accurate, fair, and verified.

FCRA 607 ( b ) The CRA must maintain reasonable procedures to ensure maximum possible accuracy.

Reporting information from a source that denies furnishing the data violates this requirement.

FCRA 611 ( a ) ( 1 ) ( A ) When a consumer disputes any information, the CRA must conduct a reasonable investigation. 
If no furnisher exists, it CAN NOT be verified.

FCRA 623 ( a ) ( 5 ) ( A ) Only a data furnisher with a reporting relationship may supply XXXXXXXX  data. 

Since XXXX, XXXX, and the XXXX  XXXX have certified IN WRITING that they did not provide any information, the credit bureau reporting is : Unverified Unsubstantiated Not from the required primary source A violation of the above-mentioned statutes CFPB REQUESTED RESOLUTION I request the immediate removal of the XXXX  from my credit report because : There is no furnisher There is no verification The reporting violates multiple federal consumer protection laws Please investigate and enforce removal of this unverifiable public record. 

ATTACHMENTS PROVIDED

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 2025-11-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing this complaint because TransUnion, and Equifax has failed to remove multiple unauthorized items from my credit report, including hard inquiries, accounts, and other information that I did not initiate or authorize. These items are fraudulent, and despite my repeated attempts to dispute them, neither has not taken any corrective action. Their failure to investigate and remove inaccurate information is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) as a consumer. 

Furthermore, These agencies have been withholding the most up-to-date and accurate information regarding my credit file. They have repeatedly given me a difficult time accessing their online system, preventing me from properly monitoring, reviewing, or disputing inaccurate or false information. This ongoing obstruction further violates my rights as a consumer. 
Both agencies consistently waits the full 30 days and then improperly validates disputed information without providing any proof or documentation supporting their validation. Their failure to conduct a proper investigation and their refusal to correct or delete fraudulent information have caused ongoing harm such as misrepresentation of my credit file and credit score. There needs to immediate regulatory attention.

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 2025-11-29 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: TN

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX for false XXXX XXXX, predatory lending practices, misrepresentation of the creditor, and abusive loan churning. 

I never had a loan with XXXX XXXX. 
My loan was with XXXX XXXX, which has since been linked to XXXX XXXX and other subsidiaries. XXXX XXXX called customers to renew loans and then closed their locations without informing the customers. 

Despite this, XXXX XXXX is now reporting a derogatory account on my credit report even though : I never applied for, received, or signed a loan agreement with XXXX XXXX. 

My court records list XXXX XXXX, not XXXX. 

XXXX and XXXX were involved in CFPB-documented predatory practices, including : abusive loan churning, refinancing loans with as little as XXXX cent of new money, misrepresenting the actual creditor, taking advantage of financially distressed borrowers. 

XXXX XXXX is violating FCRA and FDCPA requirements by : Reporting inaccurate and false information Misrepresenting themselves as my creditor Reporting an account without a permissible purpose Failing to verify ownership of the debt Reporting a predatory/refinanced account that is legally disputed Their reporting has caused financial hardship, credit score damage, and the denial of opportunities I am requesting CFPB assistance to : Force XXXX XXXX to provide proof of a contract bearing my signature with XXXX XXXX XXXX 

Delete the account from all credit bureaus if they can not prove I owe XXXX XXXX. 

Investigate their deceptive and predatory reporting practices involving XXXX XXXX customers. 

Require them to cease reporting false information under their name. 

I do not believe XXXX XXXX has any lawful right to report this account or collect on it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-29 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:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: United Revenue Corporation
State: GA

Complaint narrative:
Issue : United Revenue is inaccurately reporting my medical collection account as past due, even though XXXX XXXX do not have monthly payments, due dates, or a past-due structure after being sent to collections. 

What happened : I have a medical collection account with United Revenue for {$850.00} from XXXX. I do not have a payment plan or installment agreement with this collector or with the original medical provider. 

Despite this, United Revenue is reporting the account on my credit report as : Status : Collection Account Past Due. 

This is inaccurate and misleading. Medical debt does not have scheduled payments once it enters collections, and there is no monthly due date. Therefore, there is no legitimate past due status to report. 

Furnishing a past due status on a medical collection creates a false and materially misleading impression of the account, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, which requires furnishers to report accurate information. 

This inaccurate status negatively impacts my creditworthiness by implying I failed to make required payments, which is incorrect. XXXX collections are either paid or unpaid they are not past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation. 
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 2025-11-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/year>, I attempted to send {$100.00} to a known contact through the CashApp money transfer system. However, the {$100.00} went to the wrong person. I noticed the error immediately, and tried unsuccessfully to cancel or void the transaction. I contacted CashApp support, and was told all I could do was request a refund. I then requested a refund. Thus refund request was pending for XXXX weeks before ultimately being declined. I submitted a second refund request. It was also declined. CashApp has given me very little support or assistance in this matter. I only want what is just and fair, which is the return of my {$100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: FL

Complaint narrative:
Someone called me pretending to be a chime representative and scammed me out of all my money. I filed a dispute claim twice and got denied both times.

Company response to consumer: Closed with explanation