vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-27 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: CA

Complaint narrative:
This is my formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation

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 2025-05-27 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: IL

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-05-27 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: IL

Complaint narrative:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

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 2025-05-27 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: PA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-05-27 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: Netspend Corporation
State: LA

Complaint narrative:
I filed 3 disputes on my account for a lot of unauthorized transactions totaling over {$1000.00}. I filed the first XXXX on XX/XX/XXXX and the last XXXX yesterday because it had pending transactions that had to post. I filed a police report as well and I sent evidence to support my claim such as reaching out to the merchants charging my account. I was told that I would receive an update on XX/XX/XXXX letting me know if the dispute department would need more time to investigate or deny and they updated the claim to them needing more time. So I was supposed to receive my provisional credit after the XXXX but I havent yet and Im in an emergency life crisis to where I need my funds right now for my medical bills. They told me the next update would be XX/XX/XXXX, which is too long and also its past XXXX business days. And their timeframe and policy is within XXXX business days for new accounts. Also when I first tried filing my dispute, I forgot to mention that this bank didnt even file it the first time I called in, they wasted my time and never filed my dispute and I know they didnt at first because I didnt get a claim number or anything. So I had to call back that same day and file again, and then I had to wait to file my other disputes because the transactions were still pending. Thats why my claims are separated into 3. My experience with this bank has been hectic and unprofessional and I hope to get my provisional credit back as quickly as possible.

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 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.l am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have been unable to access my credit/consumer report from Equifax for the past three years. Despite multiple attempts to resolve this issue, including numerous phone calls to Equifax, the problem remains unresolved. I previously filed a complaint with the CFPB, but no resolution was reached. I am now requesting that this complaint remain open until the issue is fully resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: United Shore Financial Services, LLC
State: KY

Complaint narrative:
UWM states they have sent and XXXX XXXX has acknowledged receipt of hazard insurance payment. This payment is more than 30 days late. I have called UWM four or more times now and they still have not corrected the payment despite it being listed to an incorrect account.

I have been called a liar, and hung up on as their day apparently ends at XXXX 

As a result I have self funded my hazard insurance to prevent a lapse in coverage and my insurance agent has provides UWM the correct account numbers to credit to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: EQUIFAX, INC.
State: PA

Complaint narrative:
My account with EQUIFAX XXXX XXXX  was never late! I have had exceptional payment history all payments were placed on Autopay. 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 to be 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


EQUIFAX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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: MO

Complaint narrative:
Re : Dispute of Inaccurate Late Payment Reporting under 15 U.S.C. 1666b To Whom It May Concern, I am writing to formally dispute the reporting of one or more late payments associated with my TransUnion Account Number : # XXXX # XXXX # XXXX # XXXX # XXXX which are reflected on my credit reports from Equifax , Experian, TransUnion Upon reviewing my credit report, I noticed Equifax , Experian, TransUnion has reported a 30-day/60-day/90-day late payment. I dispute the accuracy of this reporting. I made the payments in accordance with the terms of my agreement, and the payments were either on time or not late by the standards established under federal law.

Under 15 U.S.C. 1666b, known as the Time of Payments provision of the Truth in Lending Act, a creditor is required to credit payments to a consumers account on the date of receipt, and can not impose a late fee or report a payment as late unless the payment was received after the due date and after any reasonable grace period. 

I request that CFPB conduct an immediate investigation into this matter and provide verification of the alleged late payments, including the date payment was received and posted. If the bureaus can not verify that the payment was late in accordance with the legal standards established by 15 U.S.C. 1666b, the inaccurate information must be promptly removed from all credit reporting agencies.

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), I am also sending this dispute to the relevant credit bureaus, and I request that Equifax, Experian, TransUnion respond within the legally required 30-day time frame. 

Please mail me written confirmation of the outcome of this investigation and, if the late payments can not be verified, confirmation that the tradeline has been corrected. 

Sincerely, XXXX XXXX XXXX of credit report showing the disputed late payment ( s )

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 2025-05-27 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: MO

Complaint narrative:
Re : Dispute of Inaccurate Late Payment Reporting under 15 U.S.C. 1666b To Whom It May Concern, I am writing to formally dispute the reporting of one or more late payments associated with my TransUnion Account Number : # XXXX # XXXX # XXXX # XXXX # XXXX which are reflected on my credit reports from Equifax , Experian, TransUnion Upon reviewing my credit report, I noticed Equifax , Experian, TransUnion has reported a 30-day/60-day/90-day late payment. I dispute the accuracy of this reporting. I made the payments in accordance with the terms of my agreement, and the payments were either on time or not late by the standards established under federal law.

Under 15 U.S.C. 1666b, known as the Time of Payments provision of the Truth in Lending Act, a creditor is required to credit payments to a consumers account on the date of receipt, and can not impose a late fee or report a payment as late unless the payment was received after the due date and after any reasonable grace period. 

I request that CFPB conduct an immediate investigation into this matter and provide verification of the alleged late payments, including the date payment was received and posted. If the bureaus can not verify that the payment was late in accordance with the legal standards established by 15 U.S.C. 1666b, the inaccurate information must be promptly removed from all credit reporting agencies.

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), I am also sending this dispute to the relevant credit bureaus, and I request that Equifax, Experian, TransUnion respond within the legally required 30-day time frame. 

Please mail me written confirmation of the outcome of this investigation and, if the late payments can not be verified, confirmation that the tradeline has been corrected. 

Sincerely, XXXX XXXX XXXX of credit report showing the disputed late payment ( s )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: FL

Complaint narrative:
I moved to the country of XXXX and called before I left Florida to advise US Bank I was movning. I had no phone service but was finally able to reach them to change my mailing address to my son 's and during that call I stated I wanted to file a dispute. I sold my electric car to a dealership and was finding small charges on my credit card regarding car charging. The representative on the phone told me that I could not file a dispute but it was considered fraud and she would need to close my account and issue a new card. At that time I told her that it was NOT fraud and that this credit card was the only card I have and there is no mail in XXXX so could not recieve a new card. The representative told me I should reach out the the dealership which I did. They immediately investigated and then sent a XXXX payment for the charges. Two weeks later I get an email indicating that US Bank " reissued '' my card. I again called to inquire what was going on and was told that I shopped at some place that was " hacked '' and because of that they had to close my account. I went through everything again with multiple people and then was told they would call me within XXXX hours!! I called the next day and got a representative that admitted that the card was cancelled due to fraud. Now I have no credit card and they will not talk.

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 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am experiencing ongoing issues with obtaining my credit report from TransUnion. When attempting to access it online, I received a message stating they were unable to complete my request and advised me to call their XXXX XXXX team. I called the number provided ( XXXX ), but the issue was not resolved during the call, and I am still unable to retrieve my report. 

This has become increasingly frustrating and is interfering with my ability to monitor my credit and resolve related concerns. Under the Fair Credit Reporting Act ( FCRA ), I have a right to access my credit report, and TransUnion is failing to provide that access in a timely and efficient manner.

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 2025-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
The company closed both my credit card accounts without sending me any letter or notice. And the employees couldn't tell me why.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: AR

Complaint narrative:
I obtained a vehicle from your company, but shortly after, the car began to experience significant issues. Within a few months, the transmission started to fail. I contacted your office to voluntarily surrender the vehicle due to its mechanical problems. 

Despite my efforts to return the car in good faith, the account was incorrectly marked as a repossession. Following that, I was surprised to learn that legal action was initiated against me for the full remaining balance even though the vehicle had been returned.

Im requesting clarification on why this was handled as a repossession and why the full balance is being pursued despite the surrender of the vehicle. Id like to resolve this matter fairly and request a review of the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: AR

Complaint narrative:
I obtained a vehicle from your company, but shortly after, the car began to experience significant issues. Within a few months, the transmission started to fail. I contacted your office to voluntarily surrender the vehicle due to its mechanical problems. 

Despite my efforts to return the car in good faith, the account was incorrectly marked as a repossession. Following that, I was surprised to learn that legal action was initiated against me for the full remaining balance even though the vehicle had been returned.

Im requesting clarification on why this was handled as a repossession and why the full balance is being pursued despite the surrender of the vehicle. Id like to resolve this matter fairly and request a review of the situation.

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 2025-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: LA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: NC

Complaint narrative:
Transunion inquires - XXXX  XXXX ( XXXX  ) XX/XX/year> XXXX XXXX  ( XXXX  ) XX/XX/year> XXXX XXXX ( XXXX ) XXXX XXXX, XXXX  XXXX ( XXXX  ) XXXX XXXX, XXXX  Equifax inquires XXXX XXXX XXXX  XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> 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 2025-05-27 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: OH

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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