vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-14 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: CA

Complaint narrative:
I am submitting to formally request a review of certain items currently listed in my file that I believe XXXX be inaccurate or not properly verified. My intention is to ensure that the information reported about me is both complete and accurate, in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. I understand that maintaining the accuracy of consumer data is a shared responsibility, and I am reaching out in good faith to resolve these discrepancies. Below are the items Id like to address : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX BANK XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$930.00}

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 non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: MARINER FINANCE, LLC
State: MS

Complaint narrative:
I submitted a written dispute to [ XXXX XXXX XXXX ] regarding an account that is inaccurate and/or unverifiable. Under 15 USC 1681i, I have the legal right to a full reinvestigation. The company failed to properly investigate and continues to report inaccurate information.

Additionally, they are in violation of : - 1681s-2 for reporting false or unverified data, - 1681e ( b ) for failing to ensure maximum possible accuracy, - 1681c for reporting obsolete/outdated information.

I demand that this account be immediately removed as it violates multiple federal laws. I request that the CFPB step in and force compliance with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: CA

Complaint narrative:
Complaint Letter Consumer Financial Protection Bureau Dear CFPB XXXX, I am filing this complaint under the Fair Credit Reporting Act ( 15 U.S.C.

1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ) regarding inaccurate reporting by TransUnion and the following furnishers : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Bank, XXXX XXXX, XXXX XXXX Bank ( XXXX ) XXXX and XXXX The issues include : inconsistent reporting, invalid balance fields, improper charge-off status, missing credit limits, residual dispute remarks, and data misclassification all of which violate FCRA 607 ( b ), 611 ( a ) ( 5 ) ( B ), and 623 ( a ) ( 1 ) ( A ). I request that the CFPB initiate a formal investigation and compel the companies to correct or remove the disputed data, confirm compliance, and provide written confirmation within 30 days. Sincerely, XXXX XXXX XXXX XXXX, CA XXXX Date of Birth : XX/XX/year>

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 2025-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX USD Lost when I deposit cash in the BOA XXXX XXXX I went to Bank of America XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) and did a cash deposit on XX/XX/2025. 

My manual count for the cash I deposited was {$2800.00}, while the machine counted it {$2100.00}. There is a difference of {$700.00}. I forgot to ask them to count again or double checked before I confirmed this transaction. After identifying the discrepancy in my records when I came back home, I promptly requested an investigation, specifically asking the bank to review the XXXX footage to verify the counting process. I was informed that their internal review found no error. However, when I requested to review the XXXX, BOA rejected my request. 

If anyone had similar experience, please let me know.

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 2025-10-14 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: FL

Complaint narrative:
THESE ARE INACCURATE ITEMS. IT STILL SHOWS AS LATE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC
State: PA

Complaint narrative:
To : XXXX XXXX XXXX Subject : HIPAA Violation and Debt Validation Request Re : Account Number XXXX Dear Sir or Madam, I am writing to formally dispute the accuracy and legality of the medical collection account listed on my credit report under the name XXXX acct XXXX Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I request an investigation into this account. I am disputing this entry on the grounds that : 1. I have not received proper validation that this alleged debt is mine, nor that the collection agency has the legal right to collect it.

2. Because this is a medical-related account, any disclosure of my personal XXXX  information to a third party ( including a collection agency ) may violate my rights under the Health Insurance Portability and Accountability Act ( HIPAA ) . 

Accordingly, I request : Verification of the debt, including the name and address of the original creditor ( the medical provider ), the date of service, and the nature of the alleged debt. 
Proof that the collection agency has received proper authorization to collect this debt in compliance with HIPAA privacy regulations. 
Removal of the account from my credit report if validation can not be provided within the timeframe required by the FCRA ( 30 days ). 

Please note that all future correspondence regarding this matter must be in writing. If you are unable to verify the account, it must be deleted from my credit report immediately as required by law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: VA

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. 

UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This account was reported as charged off and delinquent even though it was paid and closed with a {$0.00} balance. JPMCB verified the account after dispute without providing any verifiable documentation or evidence supporting the derogatory data. 
This violates the Fair Credit Reporting Act ( FCRA ) under 1681s-2 ( a ) ( 1 ) ( A ) and 1681i ( a ) because the information furnished is inaccurate and unverifiable.

Additionally, a JPMCB representative contacted my client claiming I still owed {$2000.00} after the account had been paid and closed, which constitutes false representation of a debt under FDCPA 807 ( 15 U.S.C. 1692e ).

The continued reporting of this paid, closed, and zero-balance account as a charge-off is false, misleading, and harmful to my credit profile. I am requesting that the CFPB direct JPMCB to : 1. Immediately delete this tradeline from all consumer reporting agencies.

2. Cease reporting any derogatory or charge-off status associated with this account. 
XXXX. Provide written confirmation of compliance within 15 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ROBINHOOD MARKETS INC.
State: NY

Complaint narrative:
On XX/XX/XXXX numerous unauthorized charges were made from my account through Robinhood, all directed to XXXX. Many of the transactions were declined, but several went through and removed funds from my account. 

The unauthorized debits included : XX/XX/XXXX : {$400.00} ( disputed ), {$350.00} ( disputed ), {$3.00} ( disputed, later refunded ), {$300.00} ( disputed ), {$150.00} ( disputed ), {$400.00} ( disputed ) XX/XX/XXXX : {$970.00} ( disputed ), {$800.00} ( disputed ), {$200.00} ( disputed ), {$600.00} ( disputed ), {$300.00} ( disputed ) Partial refunds I received were : {$3.00}, {$190.00}, and {$800.00}, totaling {$1000.00}. After these refunds, approximately {$1800.00} is still missing. 

I immediately attempted to fix this issue with Robinhood. I submitted disputes in the app and contacted their customer service several times. Each time, I requested to be escalated to their fraud department. Each time, I was refused, told no worries, and then disconnected. Robinhood would not allow me to speak to fraud specialists. 

I also asked for the case to be expedited because I am travelingXX/XX/XXXX and without access to these funds, I can not afford essential medicine or a flight home. I explained that without my medicine, I may not survive. Even after hearing this, Robinhood refused to escalate or expedite the matter. 

The app currently shows only that the disputes are processing and may take up to 90 days. I have not received provisional credit, written acknowledgment of the fraud, or a proper fraud investigation.

This mishandling has created severe personal hardship and poses a direct threat to my health and safety. Robinhoods refusal to classify this as fraud, to escalate the case, and to expedite the resolution has left me stranded overseas without the ability to obtain life-sustaining medicine.

This conduct violates my protections under Regulation E for debit card transactions.

I request that the CFPB require Robinhood to : Properly classify these charges as fraud. 

Issue full provisional credit for the approximately {$1800.00} still missing. 

Provide written confirmation of my fraud report. 

Escalate my case to the fraud department immediately. 

Expedite the investigation given the urgent medical and survival concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
Refer to complaint XXXX. I filed this on XX/XX/XXXX, and it is still NOT resolved and I have not received updates. I have called several times and the Escrow dept refuses to provide ANY updates on my request for removal. 

I have followed their instructions, obtained a BPO and sent a WRITTEN request for my escrow account to be closed on XX/XX/XXXX and I still do not have any answers. Fifth Third has been nothing but difficult, unreasonable, and misapplying my payments to escrow. Now they are refusing to apply a partial mortgage payment ( principal +interest ) minus the escrow in the month of XX/XX/XXXX. I will now incur a late fee because this issue has been outstanding since XXXX. 

This is the worst bank I have ever dealt with and I need this resolved and for their customer service & escrow to provide me with answers. I can not wait for letters to be mailed as this is a time sensitive issue. Fifth Third has been delaying my requests by requiring written or mailed in responses. This has led to overpayments in my escrow account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: IN

Complaint narrative:
This correspondence serves as my XXXX round follow-up demanding the permanent removal of the following charged-off, collection, and unauthorized inquiry entries that continue to appear on my credit report. Despite multiple previous disputes, these inaccurate and unverified items remain, in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
The accounts being disputed are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$19000.00} * * This account is reported as Charged Off, yet no valid Form 1099-C ( Cancellation of Debt ) has ever been issued or verified for a balance above {$600.00}. Under FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], credit bureaus are required to maintain the maximum possible accuracy of reported information. Reporting this debt without a valid 1099-C violates federal accuracy standards and constitutes unverified reporting. Therefore, I demand its permanent deletion from my credit file. 
XXXX, XXXX XXXX * Balance Owed : {$5900.00} XXXX XXXX This collection account remains unverified. Under FDCPA 809 [ 15 U.S.C. 1692g ], debt collectors must provide proof of debt validation upon request, and under FCPA 807 [ 15 U.S.C. 1692e ], they are prohibited from making false or misleading representations in any debt collection activity. Since no verification or validation has been provided, the reporting of this account violates FCRA 605B [ 15 U.S.C. 1681c-2 ], which grants consumers the right to have unverifiable or inaccurate information blocked or removed. I am demanding permanent removal of this collection entry. 
Inquiries Included in Dispute : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were conducted without my knowledge or authorization, violating FCRA 604 ( a ) [ 15 U.S.C. 1681b ( a ) ] and FCRA 604 ( f ) [ 15 U.S.C. 1681b ( f ) ], which clearly state that a consumer report may only be accessed with a permissible purpose and explicit consent from the consumer. These inquiries are therefore unauthorized and unlawful, and must be permanently deleted under FCRA 605B [ 15 U.S.C. 1681c-2 ].

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 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This complaint concerns TransUnion LLC and violations of the Fair Credit Reporting Act ( FCRA ) related to an XXXX XXXX XXXX repossession tradeline reporting a balance of {$25000.00}. 

On XX/XX/year>, a written dispute was mailed to TransUnion demanding reinvestigation and verification of this account. TransUnion was required to complete the reinvestigation within 30 days ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) and provide written results ( 1681i ( a ) ( 6 ) ). As of October 10, 2025, TransUnion has not provided verification, deletion, or a notice of extension. 

Because TransUnion did not verify the account within the statutory period, the item is legally unverified and must be deleted immediately under 1681i ( a ) ( 5 ) ( A ). Continuing to publish the entry violates 1681e ( b ) ( duty to ensure maximum possible accuracy ) and constitutes willful/negligent noncompliance under 1681n, 1681o. 

Additionally, XXXX XXXX has not produced a valid contract or required repossession/deficiency documentation as contemplated by the Uniform Commercial Code ( UCC 9-611 , 9-614, 9-616 ). Reporting a {$25000.00} deficiency without proof of lawful notice, sale terms, and deficiency calculation is inaccurate and misleading. If XXXX is acting as a debt collector, failure to validate also implicates FDCPA 1692g ( a ) - ( b ). 

This inaccurate reporting is harming creditworthiness, blocking access to housing, and threatening the ability to provide stable housing for dependents.

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 2025-10-14 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: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I am filing this complaint against Equifax for the continued reporting of inaccurate late payment entries, despite my dispute under the Fair Credit Reporting Act ( FCRA ). The accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Dates Reported 30 days XXXX These late payment notations are the direct result of the furnishers internal reporting errors. I never failed to make timely payments on these accounts. The furnishers misreported my payment history to Equifax, yet Equifax continues to publish this inaccurate information on my credit file. I previously disputed these inaccuracies with Equifax under FCRA 1681i, which requires them to conduct a reasonable reinvestigation and delete or correct any information found to be inaccurate, incomplete, or unverifiable. Equifax failed to conduct a proper investigation and continues to report these unverifiable late payments. Per FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they knowor have reasonable cause to believeis inaccurate. Despite this, Equifaxs reinvestigation process failed to identify or correct these reporting errors. These false late payment entries have caused significant damage to my creditworthiness, emotional distress, and financial harm, as they have negatively impacted my credit score and ability to obtain favorable credit terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: MS

Complaint narrative:
I submitted a written dispute to XXXX XXXX XXXX  regarding an account that is inaccurate and/or unverifiable. Under 15 USC 1681i, I have the legal right to a full reinvestigation. The company failed to properly investigate and continues to report inaccurate information. 
Additionally, they are in violation of : - 1681s-2 for reporting false or unverified data, - 1681e ( b ) for failing to ensure maximum possible accuracy, - 1681c for reporting obsolete/outdated information. 
I demand that this account be immediately removed as it violates multiple federal laws. I request that the CFPB step in and force compliance with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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:
My name is Nilsia Casillas this complaint is not made in error neither is it being made by a third party.

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 2025-10-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP
State: MO

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 2025 agreement was made regarding XXXX payment for my loan, which was for the payment to made XX/XX/year>. Between me and XXXX the XXXX for XXXX XXXX XXXX for the amount {$1200.00} but when I called on the XX/XX/year> the refuse our payment agreement amount. Then tried to increase the agreement amount without any written notification, which is illegal in the state of Missouri. Failure to notify : If financial company refuses a payment due to dispute. They are generally required to notify all interested parties in writing about the reason for the refusal as per Rsmo section XXXX. Which is a illegal act is breach of contract refuses a payment that was agreed upon before scheduled date. Then informs me that by me not coming up with a larger amount than the agreed amount my account would be charged off.

Company response to consumer: Closed with explanation