vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-11 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:
PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2025-08-11 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:
The address on my credit report are incorrect and needs to be removed : 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 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 2025-08-11 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: CO

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX regarding inaccurate and damaging reporting of late payments on my parent plus loan account. 

The account has been set up for automatic draft payments since repayment began. However, XXXX has repeatedly failed to process the automatic withdrawals on the due dates. Despite this failure, they continue to send notices after the due date stating : Nothing to do on your end. Your account is set up on automatic auto-draft payments. 

In reality, I have been manually making the loan payments on time each month, regardless of these notices, to ensure the account remains current. Even with these timely manual payments, XXXX has reported XXXX ( XXXX ) XXXX late payments to the credit bureaus. 

This reporting is inaccurate and has caused significant harm to my credit. My credit score, which was consistently above XXXX, has dropped substantially, limiting my ability to make financial decisions and pursue opportunities. 

I have : Contacted XXXX multiple times to dispute these false late payment reports. 

Sent formal written disputes to XXXX. 

Filed disputes with Experian, XXXX XXXX XXXX 

To date, this issue has not been resolved. I am requesting : Immediate removal of all incorrect late payment entries from my credit file. 

Written acknowledgment from XXXX confirming their error and correcting my account history. 

Assurances that this error will not occur again. 

XXXX failure to properly process payments and its continued misreporting is unacceptable and has caused measurable financial harm. I respectfully request the Consumer Financial Protection Bureaus urgent assistance in resolving this matter. 

Thank you for your attention. I am prepared to provide supporting documentation, including payment confirmations, statements, and correspondence with XXXX. 

Sincerely, 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 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX regarding inaccurate and damaging reporting of late payments on my parent plus loan account. 

The account has been set up for automatic draft payments since repayment began. However, XXXX has repeatedly failed to process the automatic withdrawals on the due dates. Despite this failure, they continue to send notices after the due date stating : Nothing to do on your end. Your account is set up on automatic auto-draft payments. 

In reality, I have been manually making the loan payments on time each month, regardless of these notices, to ensure the account remains current. Even with these timely manual payments, XXXX has reported XXXXXXXX XXXX XXXX XXXX XXXXXXXX late payments to the credit bureaus. 

This reporting is inaccurate and has caused significant harm to my credit. My credit score, which was consistently above XXXX, has dropped substantially, limiting my ability to make financial decisions and pursue opportunities. 

I have : Contacted XXXX multiple times to dispute these false late payment reports. 

Sent formal written disputes to XXXX. 

Filed disputes with XXXX, Equifax, and XXXX. 

To date, this issue has not been resolved. I am requesting : Immediate removal of all incorrect late payment entries from my credit file. 

Written acknowledgment from XXXX confirming their error and correcting my account history. 

Assurances that this error will not occur again. 

XXXX failure to properly process payments and its continued misreporting is unacceptable and has caused measurable financial harm. I respectfully request the Consumer Financial Protection Bureaus urgent assistance in resolving this matter. 

Thank you for your attention. I am prepared to provide supporting documentation, including payment confirmations, statements, and correspondence with XXXX. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: CO

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX regarding inaccurate and damaging reporting of late payments on my parent plus loan account. 

The account has been set up for automatic draft payments since repayment began. However, XXXX has repeatedly failed to process the automatic withdrawals on the due dates. Despite this failure, they continue to send notices after the due date stating : Nothing to do on your end. Your account is set up on automatic auto-draft payments. 

In reality, I have been manually making the loan payments on time each month, regardless of these notices, to ensure the account remains current. Even with these timely manual payments, XXXX has reported XXXX XXXX XXXX  XXXX XXXX late payments to the credit bureaus. 

This reporting is inaccurate and has caused significant harm to my credit. My credit score, which was consistently above XXXX, has dropped substantially, limiting my ability to make financial decisions and pursue opportunities. 

I have : Contacted XXXX multiple times to dispute these false late payment reports. 

Sent formal written disputes to XXXX. 

Filed disputes with XXXX XXXX and TransUnion. 

To date, this issue has not been resolved. I am requesting : Immediate removal of all incorrect late payment entries from my credit file. 

Written acknowledgment from XXXX confirming their error and correcting my account history. 

Assurances that this error will not occur again. 

XXXX failure to properly process payments and its continued misreporting is unacceptable and has caused measurable financial harm. I respectfully request the Consumer Financial Protection Bureaus urgent assistance in resolving this matter. 

Thank you for your attention. I am prepared to provide supporting documentation, including payment confirmations, statements, and correspondence with XXXX. 

Sincerely, 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 2025-08-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I requested SCRA Benefits under my XXXX Navy Federal Credit Union credit card accounts and was denied. I have provided the proper documentation multiple times. In person and online via the messaging portal. I am the legal spouse aka dependent to my husband who is on XXXX XXXX XXXX. He is also listed as an authorized user for both accounts as well. I have requested these benefits for almost XXXX years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TransferWise Ltd
State: NY

Complaint narrative:
I used Wise to send [ amount + currency ] from my XXXX checking on [ date ] to pay for product photography : XXXX products XXXX edited images each ( XXXX finals ) with a XXXX turnaround after the [ shoot date ]. 
Counterparty/recipient : photographer in XXXX XXXX [ name or business name, if any ], email [ email ], XXXX [ handle ], city [ city ]. Payment went to this recipient via Wise. Im asking Wise to initiate/confirm a recipient-bank recall, freeze/flag the recipient, and report recall status in writing. 
After payment, the recipient confirmed receipt and provided only an unedited drive ; he then missed multiple promised delivery dates and acknowledged issues, but never delivered the XXXX edited files. I attempted resolution several times and sent a final demand ; no delivery as of [ today ]. Wise case [ ID ]. XXXX confirmed it can not reverse an authorized ACH but logged my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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:
These accounts were not opened or approved by me and seem to be fraudulent. I request prompt deletion from my record and a thorough review. Documentation is provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: TX

Complaint narrative:
Inconsistent Date Last Active - TransUnion : XX/XX/XXXX - Experian : XX/XX/XXXX - Equifax : XX/XX/XXXX Different Last Reported Dates - TransUnion & Experian : XX/XX/XXXX - Equifax : XX/XX/XXXX Different Past Due Balances - TransUnion & Experian : {$28000.00} - Equifax : {$27000.00} Conflicting Comments- TransUnion : " Repossession '' - Equifax : " XXXX XXXX '' - Experian : No comments listed Payment History Conflicts- Equifax reports XXXX  payments up to XX/XX/XXXX despite the account being in repossession status and showing delinquency as early as XX/XX/XXXX ( TransUnion ). 

Status Reporting After Account Closure - Account is Closed but repeated monthly updates are still occurring ( especially TransUnion & Experian ). 

No Payment Since XX/XX/XXXX, Still Updating in XX/XX/XXXX This account was CHARGED OFF on the following date ( XX/XX/XXXX ). Since then, the account has repeatedly been updated as CHARGED OFF every month. This is an update in the payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate the account properly, and your neglect has violated my rights.

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 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
To Whom It May Concern : I am submitting this complaint regarding Equifaxs Office of Consumer Affairs and their ongoing restriction that prevents me from managing my credit file through standard online or automated systems.

Equifax has permanently restricted my ability to : Access my credit report online Initiate or manage disputes online Manage my security freezes online Use their automated phone system for these functions Instead, I am required to contact their Office of Consumer Affairs directly for any actionsuch as ordering a report, adding or removing a security freeze, or disputing an item. Each call typically involves a XXXX minute hold time for tasks that should take only minutes online. 

Over the past several months, I have contacted Equifax more than XXXX times, including multiple direct conversations with the Office of Consumer Affairs, requesting that this restriction be lifted so I can use their standard online dispute and account management tools. Equifax has provided no valid reason for imposing this block and has refused to remove it. 

This policy is unreasonable, unduly burdensome, and appears arbitrary. It deprives me of the same online access afforded to other consumers, creates unnecessary delays, and interferes with my ability to timely manage and protect my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: PA

Complaint narrative:
A credit card was fraudulently opened in my name in XXXX  with XXXX XXXX. I did not notice the account on my credit report until the account was in default with a balance of approximately {$700.00} + in charges and fees. I contacted the bank ( XXXX  ) and they quickly acknowledged that the account was fraudulent and stopped reporting the account to the credit bureaus under my name/ssn in XXXX XXXX XXXXXXXX XXXX XXXX ( CCS ) acquired the debt. At some point in the fall of XXXX, I received correspondence from CCS regarding this debt. I emailed the contact on the letter, informing them that the debt was not mine and was a case of identity theft. When I continued to receive correspondence from CCS, I sent them a letter via certified mail stating clearly that the debt was not mine. As of today, there is no response to my letter, CCS sent me a collection of statements for the account that show my name as the account holder, but which list an address that the alleged perpetrator of said fraud lived. Included in that correspondence from XXXX was a blank affidavit of fraud that CCS asked that I complete and return, should the account be fraudulent. I completed and signed the affidavit and emailed it back to them on XX/XX/XXXX. I received no response for the email I sent with the affidavit. Despite the fact that I have clearly communicated to CCS both via mail and email that the debt was opened fraudulently in my name, to include providing them with a signed affidavit stating such, I received another threat to my good name and credit. Contact information that I have on the debt collector : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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:
Given that I always pay on time, this negative mark is clearly wrong. I respectfully request that it be removed and my credit history be corrected.

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 2025-08-11 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am formally requesting removal of this inaccurate account from my credit report, as I did not authorize its creation or use. Enclosed are the supporting documents for my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Kikoff Inc.
State: CA

Complaint narrative:
Hi- I was the victim of identity theft earlier this year. I was notified by the XXXX XXXX XXXX, and later listed as a victim in their report. 
As part of that theft a credit account was opened at KikOff lending using my identity without my knowledge. 

I contacted their customer service in multiple occasions. First being met with a notification of being unable to locate the account in question. Then later being told that the account was not fraudulent, even though I submitted the police report and FTC report. The company continues to refuse my request to have the account removed from my credit report and continues to report it as delinquent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: FL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I XXXX pursue legal action under the FCRA and FDCPA ( XXXX XXXX Code XXXX ) for deceptive and misleading 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 explanation
Consumer complaint received 2025-08-11 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I XXXX pursue legal action under the FCRA and FDCPA ( XXXX XXXX Code XXXX ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: LA

Complaint narrative:
ustomer Service, I am writing to formally dispute an inaccurate entry related to my XXXX XXXX account that appears on my credit report. The closing date listed for this account is incorrect, and I respectfully request that it be investigated and corrected. 

According to my records and statements, the correct closing date for my account for the [ Month/Year ] billing cycle was [ Correct Date ], not [ Incorrect Date Shown on Credit Report ] as currently reported to the credit bureaus.

This discrepancy may negatively impact my credit utilization and credit score. I am including the following documentation to support my claim

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 2025-08-11 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: MD

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-08-11 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: MD

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible. This situation has become a significant source of anxiety, and I earnestly hope for a swift resolution.

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 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible. This situation has become a significant source of anxiety, and I earnestly hope for a swift resolution.

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