vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-26 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: FL

Complaint narrative:
Im writing because there is an account showing up on my credit report that is completely unfamiliar to me. I have no knowledge of this account, never opened it, never authorized it, and have no connection to it whatsoever. Simply put it does not belong to me. 

This appears to be a case of mixed or misreported credit data, and its not just frustrating its damaging. I work hard to maintain my credit, and having someone elses account falsely tied to my name is completely unacceptable. I want to be absolutely clear : this is not my debt, not my account, and not my responsibility.

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 2025-09-26 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: FL

Complaint narrative:
I'm writing to formally dispute an account currently being reported on my credit file that is in the middle of pending litigation. Because this matter is actively being challenged in court, and the outcome is still undetermined, the reporting of this account is not only premature it is legally and factually inaccurate. 

You are reporting this account as if its valid and resolved, when in reality, its status is far from settled. I am currently pursuing legal action regarding this account, and until that process is concluded, you can not truthfully or accurately report this information without misrepresenting my credit history. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to report information that is accurate, complete, and not misleading. Reporting a disputed account as factually correct while litigation is still pending is a violation of that responsibility. The presence of this account on my report creates a false and damaging impression of my financial standing and must be corrected immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 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:
TransUnion is reporting a XXXX XXXX XXXX credit card tradeline with conflicting and misleading data. On my TU report dated XX/XX/XXXX the account shows Balance {$0.00}, Pay Status Current, Date Paid XX/XX/XXXX, and Last Payment XX/XX/XXXX. However, the payment grid still shows XXXX and XXXX late marks for XXXX XXXX. The grid shows Past Due {$0.00} and Amount Paid {$100.00}, while another field says Payment Received : {$0.00}, and there is no Date Closed even though the balance is {$0.00}. 

I disputed this with TransUnion on XX/XX/XXXX and asked for a complete Method of Verification under FCRA 611 ( who/when/how they verified, copies of XXXX, XXXX XXXX fields relied on, and documents supporting the late marks ). On XX/XX/XXXX TU responded without fixing the contradictions and labeled my dispute as frivolous, without providing a proper MOV. 

These inconsistencies violate the FCRAs requirement to follow reasonable procedures to assure maximum possible accuracy and fail Metro 2 consistency ( Account Status vs. Payment History, Balance, Past Due, Date Closed ). I am requesting that TransUnion remove the XXXX XXXX late codes and report the tradeline accurately as Paid/Closed {$0.00}, or delete the tradeline if the furnisher can not substantiate the late marks with original records. The inaccurate reporting harms my credit standing and could increase my costs or cause denials.

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 2025-09-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I'm contacting you because I recently discovered a credit inquiry on my report that I had no knowledge of, did not authorize, and did not initiate. This inquiry is fraudulent, plain and simple, and it should have never been made under my name. 

I have never applied for credit or given any form of consent to the company that pulled this inquiry. I only found out about it while reviewing my credit report, and Im furious that someone was able to access my personal credit file without my permission. This is not just a mistake it is unauthorized access to my private financial information, and it is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
This debt is over XXXX XXXX XXXX. Vehicle was returned.

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 2025-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
I opened a checking account in order to fund a new brokerage account I wanted to start with the bank. 
I deposited XXXX checks and forgot to move funds from my savings account into my checking account the check was drawn on. The account got suspended and the bank said they could not do business with me, does not want to give me any information. They have kept {$500.00} dollars that I could have used for investment and made some money if invested inzo the stock market. 
I'm no longer interested in that bank after the way they treated me, the fact that no manager was ever available to listen to me, but I want my money sent back to me and possibly any benefits I could have made investing my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-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 2025-09-26 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: TN

Complaint narrative:
I have disputed several inaccurate and unverifiable accounts with XXXX, XXXX, and XXXX multiple times ( XXXX written requests sent by mail ). Despite providing clear documentation and requesting investigation, the company has failed to properly respond or remove the disputed items. 

Instead, they continue to report information that is inaccurate, incomplete, and unverifiable, which violates my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. This inaccurate reporting is negatively impacting my credit profile and causing financial harm. 

I am requesting the immediate removal of the disputed items listed in my complaint. I can provide copies of my dispute letters, certified mail receipts, and any responses I have received.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
PHH Mortgage has repeatedly force-placed flood insurance on my loan ( ending in XXXX ) despite my having valid coverage through XXXX XXXX XXXX On XX/XX/year>, PHH charged my escrow account {$3900.00} for an insurance premium that does not match my policy, which renews in XXXX. My insurance provider confirmed PHH never contacted them. 
This is not the first occurrence. On XX/XX/year>, PHH also charged me {$92.00} for unnecessary coverage. I disputed this and my insurance agent contacted PHH directly on XX/XX/year>, yet PHH continues to apply force-placed coverage. 
At loan origination, it was established that my house is not in a flood plain and does not require flood insurance ; only my detached shop requires coverage. PHH assumed the loan with this understanding. Despite providing proof of valid insurance multiple times, PHH continues to charge for duplicative and inflated coverage. 
This practice has caused financial harm, unauthorized debits to my account, and repeated stress from trying to resolve the same issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I AM ASKING FOR THE PERMANENT REMOVAL OF THE FRAUDULENT HARD INQUIRIES SHOWN ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE INQUIRIES, AND THEY WERE MADE WITHOUT MY KNOWLEDGE, WHICH IS A VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. TO SUPPORT MY REQUEST, I HAVE ATTACHED DOCUMENTS, INCLUDING AN FTC IDENTITY THEFT REPORT. I KINDLY REQUEST THAT THESE UNAUTHORIZED INQUIRIES BE DELETED IMMEDIATELY TO AVOID FURTHER DAMAGE TO MY CREDIT. IF THIS ISSUE IS NOT RESOLVED, I MAY BE FORCED TO TAKE FURTHER ACTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-09-26 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 authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. 

I am submitting this formal complaint against Experian for ongoing violations of the Fair Credit Reporting Act ( FCRA ) related to my identity theft dispute. On XX/XX/year>, I submitted a legal demand with my FTC Identity Theft Report and supporting documentation, which identified fraudulent accounts from XXXXXXXX XXXX and XXXX XXXX. Despite having received all required documents, Experian has failed to block or delete these accounts, in direct violation of FCRA 1681c-2, and has not conducted a reasonable reinvestigation under FCRA 1681i ( a ) ( 1 ). In addition, certain accounts appear to have been reinserted without proper notice, further violating FCRA 1681i ( a ) ( 5 ). Their refusal to comply continues to cause harm to my creditworthiness and financial well-being. 

XXXXXXXX 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 explanation
Consumer complaint received 2025-09-26 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: KY

Complaint narrative:
Transunion Has my Account Closed in XXXX of XXXX!! However XXXX  has the same Account Closed this XXXX of XXXX So TransUnions Didnt Report 8on time payments to the Credit bureau like they Reported for Experian.. They failed to Report XXXX XXXX through XXXX of XXXX ( XXXX ) payments WAS NOT REPORTED!! Please help me Update these payments!!

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 2025-09-26 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:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me. 

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within four business days. ON These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: FL

Complaint narrative:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me. 

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within four business days. ON These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent information.

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 2025-09-26 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
Started receiving unemployment benefits on XX/XX/year>XXXX  and have not been able to access the money whatsoever. Today is XX/XX/year>. I am now 2 debit cards in because the cards do not work. The money transfer option does not work. Trying to purchase items online or in person does not work. Trying to get money from an atm or cash advance place doesnt work. There is zero way to access funds. Customer service says EVERY time without fail that everything looks fine and everything is active. They are not able to connect us with someone from a different department, they can not give me a reason why everything keeps getting denied and I can't use my own funds. They can not transfer funds in any way. They only give the 4 same excuses such as : Uninstalling and installing the app again Requesting a new debit card, Going to an ATM, Going to a cash advance. 
Note that ALL of these get denied for no reason at all and NEVER work. And when they are asked for ANY reason at all as to why this is happening, they say they don't know and everything shows up as fine and active. I can not buy groceries, I can not put gas, I can not pay bills, I can not do laundry. We are already down in the dumps trying to find a job or else we wouldn't be on unemployment, and these people just kick us when we're already down. Very sad and infuriating.

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 2025-09-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On XX/XX/XXXX, I applied for the XXXX XXXX XXXX American Express XXXX on the XXXX airlines website, after seeing a promotional offer advertising a {$500.00} statement credit and XXXX bonus miles.The terms stated that I would receive the {$500.00} statement credit and XXXX miles after making a purchase on the new card. 
However, I applied under the terms of a {$500.00} statement credit and XXXX bonus miles, and even after my application was submitted those same promotional terms continued to appear on the application page. It was only when I later contacted American Express ( XX/XX/XXXX ) that an agent informed me that my application had not been enrolled in that promotion, but instead in a different offer requiring {$3000.00} in spending to earn XXXX miles and providing no {$500.00} statement credit.In addition, this same original promotional offer of a {$500.00} statement credit and XXXX miles continues to be displayed on the XXXX XXXX website, further reinforcing that these were the terms I reasonably relied upon when applying. 
I contacted American Express multiple times to request that the original promotion be honored ( XX/XX/XXXX and XX/XX/XXXX ). Each time, customer service agents advised that an internal department reviewed my account and determined my claim was not founded, but they provided no explanation or documentation as to why the promotional terms I applied under were not recognized. 
This constitutes misleading advertising and a bait-and-switch tactic. The change in promotional terms occurred without my knowledge or consent, and the company has offered no transparent reason for denying the original offer. This practice violates consumer protection standards under the Truth in Lending Act ( TILA ) and the CFPBs prohibition on Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ). 
I request that American Express honor the original promotion of a {$500.00} statement credit and XXXX bonus miles after making a purchase, or provide a detailed written explanation of why the promotion shown during and after my application was not applied to my account.

Company response to consumer: Closed with explanation