vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Account Number : XXXX Alleged Late Payment Month : XX/XX/year> Subject : XXXX XXXX XXXX XXXX XXXX XXXX. 
To the Consumer Financial Protection Bureau, I am submitting this complaint regarding inaccurate and inconsistent credit reporting by XXXX XXXX XXXX related to the above-referenced mortgage account, as reported by Equifax, TransUnion, and XXXX. 
The alleged delinquency being reported corresponds to XX/XX/year>, based on a last payment date of XX/XX/year> and a status update reported in XX/XX/year>. 
However, the same account is reported with conflicting delinquency statuses, which is legally impermissible : Equifax reports Not more than XXXX payments past due while also stating Exceptional payment history. 
TransUnion reports the account as 30 days past due. 
XXXX reports 1 late payment with an open past due balance. 
A single account can not simultaneously carry multiple delinquency classifications, rendering the reporting inaccurate and unreliable. 
Additionally, the reported past due amount ( {$5900.00} ) exceeds the monthly payment ( {$5700.00} ), which is inconsistent with an alleged single 30-day delinquency for XX/XX/year> and has not been properly explained or documented. 
The payment history grids do not clearly reflect a verified 30-day late payment for XX/XX/year>, further confirming that the information is inaccurate or unverifiable. 
This conduct violates the Fair Credit Reporting Act, including 15 U.S.C. 1681e ( b ), 1681s-2 ( a ), and 1681s-2 ( b ). 
I respectfully request a full investigation and the correction or deletion of the inaccurate delinquency information. If the alleged late payment for XX/XX/year> can not be fully verified, it must be removed pursuant to FCRA 611 ( a ) ( 5 ). 
This dispute is submitted directly by me, the consumer, as permitted under the Fair Credit Reporting Act. Any claim that this dispute was submitted by a third party would be inaccurate.

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 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX is stating that the credit report is not their issue in fact it is, its reflecting on my credit report for XXXX XXXX. If TransUnion has not provided XXXX XXXX with the proper accurate method of verification also any signed agreements to these accounts, they should not have reported it on their report allowed Tranunion to do so if they cant provide proper method of verification for the hard inquiry of XXXX XXXXXXXX thats on my report with XXXX XXXX. I want it removed NOW. Its violating collections XXXX5 US CODE 1692c 15 US CODE 1692g 15 US CODE 1681 e b ) also charge off 15 US CODE 1635 15 US CODE 1692g late payment 15 US CODE 1681A ( 2Xi ) 15 US CODE 1666b

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 2025-12-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Debt Recovery Solutions, LLC
State: FL

Complaint narrative:
Dear Equifax, I am writing to formally dispute the accuracy of the following collection account currently appearing on my Equifax consumer credit report. This dispute is made pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and Metro 2 reporting standards. 


XXXX Account XXXX XXXX XXXX / Furnisher : Debt Recovery Solutions Original Creditor : Debt Recovery Solutions Balance Reported : {$1300.00} Account Status : Open Date Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX Responsibility : Individual Remarks : Consumer disputes this account information Reason for Dispute This account contains inaccurate, inconsistent, and/or unverifiable information, including but not limited to : Failure to properly verify ownership of the alleged debt Incomplete or inaccurate reporting under XXXX XXXX XXXX standards Failure to provide verifiable documentation supporting the reported balance, account status, and reporting dates Potential inaccuracies related to the Date of First Delinquency ( DOFD ) and reporting timeline Under FCRA XXXX, Equifax is XXXX to conduct a reasonable investigation and verify the accuracy of all reported information with the data furnisher. 


Demand for XXXX If XXXX XXXX Solutions can not fully verify this account with competent, documented proof, including original contracts and complete account history, this account must be deleted from my Equifax credit file. 

Please complete your investigation within 30 days, as required by law, and provide me with written confirmation of the results of your investigation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I had fraud occur unknowingly and now I can't get a bank account

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 2025-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc
State: SC

Complaint narrative:
Fraudulent activity happened to account 17 charges hit all at once on XX/XX/XXXX first seven were disputed was approved of temporary credit other ten disputed charges were denied. How is this possible when its from the same company XXXX. Never authorized them to use my debit card whom I had just recently received. I need my money back to pay for my XXXX medication

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Nationwide Capital Services, LLC
State: AZ

Complaint narrative:
I am formally requesting all calls to be stopped immediately to family members or any third parties, employers etc. The only number I authorize contact to is my cell phone number which they have ending in XXXX have kept in contact with this company and there is absolutely no reason for them to contact anyone for location purposes. In addition I am requesting a copy of the agreement with structured settlement for the vault loan they purchased. I have the vault loan agreement which shows a balance of {$2500.00}. I have already paid structured settlement an amount of {$2800.00} in recurring payments for over a year as shown on my bank statements. 37 payments to be exact. Structured settlement also is reporting incorrect on my credit report, although I have paid to delete as agreed. This is incorrectly affecting my credit as the original creditor is appearing on top of structured settlement. Please provide payment agreement and balance owed, as well as how much I have paid to date. Please delete this account from my credit. This is my second complaint with this company, CFPB Please ensure it is logged in the federal trade records as company is not following any consumer laws.

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 2025-12-29 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: CO

Complaint narrative:
I recently looked at my credit report, and noticed that acountt XXXX capital one has been reported as a charge off, hurting my ability to obtain credit, i see several discrepancies on this account, and i asked XXXX  XXXX several tiems for more information, but they failed to provide me with such information, I filed a complaint about this issue back in XXXX, and i was victim of identity theft last XXXX. It is my understanding that you will investigate these items for me to ensure accuracy, in accordance with the fair credit report act public law 91-506, title VI section 611.

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 2025-12-29 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: CO

Complaint narrative:
I recently looked at my credit report, and noticed that acountt XXXX capital one has been reported as a charge off, hurting my ability to obtain credit, i see several discrepancies on this account, and i asked XXXX  XXXX several tiems for more information, but they failed to provide me with such information, I filed a complaint about this issue back in XXXX, and i was victim of identity theft last XXXX. It is my understanding that you will investigate these items for me to ensure accuracy, in accordance with the fair credit report act public law 91-506, title VI section 611.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
My Capital One accounts were closed due to returned payments. An autopay payment was returned, and I immediately attempted to bring the account current. 

On XX/XX/XXXX, I submitted a {$79.00} mobile payment. Capital One processed this payment twice on the same day, resulting in XXXX {$79.00} debits. I did not have sufficient funds for a duplicate debit, which caused the second payment to return. 

This duplicate processing directly caused additional returned payment activity and led to the closure of all my Capital One accounts, including accounts with no prior issues. 

I was actively attempting to pay my account and did not authorize or expect a duplicate charge. I am requesting review and correction of the duplicate payment issue, reversal of related fees, correction of any inaccurate reporting, and a written explanation of the account closures.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: KEYCORP
State: CA

Complaint narrative:
KeyBank Mortgage XXXX : XXXX XXXX XXXX XXXX Department XXXX. XXXX 1806 Dayton, OH XXXX Re : Dispute of Inaccurate Late Payment Reporting To Whom It May Concern, I am writing to formally dispute the reporting of late payments on the above-referenced mortgage account. 

This mortgage is currently paid in full and in good standing. The late payments being reported occurred during a temporary period of financial disruption related to a divorce and household transition. These late payments do not accurately reflect my overall payment history or current financial responsibility. 
Since resolving those temporary circumstances, I have brought the account fully current and have maintained on-time payments. Given the isolated and situational nature of the late payments, I am requesting a goodwill adjustment and removal of the late payment remarks from my credit reports. 
Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am disputing the accuracy and fairness of the continued reporting of these late payments and am requesting that KeyBank review this matter and correct or remove the derogatory entries if they can not be fully substantiated. 
Please investigate this dispute and notify the credit reporting agencies of any necessary corrections. 
Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I've been forced to email Chase multiple times over the last several years with the SAME issue. I am a US citizen but have lived in the UK for the last 15 years. I've had the same Chase account for 25 years and am shocked they treat customers like this. 

I've once again been locked out of my account. I have both the Chase US app and website access on my computer. Despite the fact that these are the only two devices that I use and have used for the last several years and I've told Chase at least 20 times that I live in the UK, Chase constantly asks for double authentication. The only option to double authenticate is a US phone which I obviously don't have. I CAN'T call the US either as it is very expensive. I had to do so last time and answer ridiculous questions like my drivers license number to access my account. I haven't lived in the US for 15 years and don't have a valid drivers license anymore. I had to make a complaint to the XXXX  and CFPB last time and Chase responded that there is an email option for double authentication which is and was wrong. I'm literally on the app and the website now and there isn't an option and I went over this AT LENGTH with staff last time this happened about adding XXXX and it isn't possible. Chase also refused to refund me for the calls which took several hours. 

I now have no way of getting into my account. Please call me on XXXX. The account is under XXXX XXXX, XXXX XXXX XXXX, XXXX Il, XXXX. My account ends in XXXX. 

Chase could sort this by simply offering an email option for double authentication. I can't the only customer that lives or travels abroad. Please see the image showing there is ONLY the option to receive an email or call for double authenication.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TransUnion has not resolved this issue. 

I have filed multiple CFPB complaints against TransUnion since XX/XX/XXXX, most recently on XX/XX/XXXX. They continue to violate federal law. 

On XX/XX/XXXX, I submitted a FCRA 605B ( b ) suppression request which required blocking within 4 business days. TransUnion ignored 605B ( b ) and misclassified it as a standard dispute.

Their previously verified response shows no reinvestigation, violating : FCRA 605B ( b ) failure to block FCRA 611 ( a ) ( 1 ) failure to reinvestigate FCRA 611 ( a ) ( 5 ) ( A ) unverifiable information must be deleted FCRA 611 ( a ) ( 7 ) no Method of Verification They removed XXXX Funding, proving inaccurate/mixed reporting, but continue reporting the following disputed accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX The continued reporting of these accounts has caused ongoing consumer harm, especially following TransUnions XX/XX/XXXX data breach, where my personal identifiers were exposed and identity-matching errors increased. 

Requested Resolution : Permanent deletion of all remaining disputed accounts FCRA-compliant Method of Verification Correction of mixed-file identity data TransUnion is in willful non-compliance and immediate CFPB enforcement is required.

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 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
A utility account from XXXX XXXX XXXX XXXX, furnished by Transworld Systems XXXX, is being reported on my credit file for the year XXXX. This account does not belong to me. 

I never lived in the XXXX of Maryland prior to XXXX and never resided at the address associated with this account. I was working and residing in New Jersey during the entire time period being reported, which is supported by third-party payroll records showing New Jersey XXXX XXXX XXXX through XXXX. 

I disputed this account with the credit bureaus and directly with the furnisher. Despite being provided with documentation and notice, the account continues to be reported. I also contacted the property management company associated with the address, and they confirmed that I never lived at that property, indicating the lease and resulting utility service were obtained without my authorization. 

Additionally, Equifax has confirmed that my personal information was impacted by a known data breach, increasing the risk of identity misuse. Given this, the reporting of a Maryland utility account from a period when I was verifiably living and working in another state is inaccurate and XXXX be the result of identity theft or misattribution. 

The companies involved have failed to reasonably investigate and continue to report information that does not belong to me, causing ongoing harm. 

I am requesting deletion of this account, cessation of reporting, and confirmation that the inaccurate information has been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Lanier Law Firm, LLC
State: NC

Complaint narrative:
I have a data broker report from my 2024 data breach Move It hack account was coming back on the credit report for cyber liability claim with stolen credentials. I have a XXXX  XXXX data breach breach of contract obtaining property under false pretenses. I have a mortgage account fraud with a legal representative claim from the consumer protection bureau to refund my claim to my bank from a winner live. com. My telegram dark web identity defense account showing a ransomware attack with my with Combo list XXXX. My account was showing a forgery compromised email. The bank has a delay of payment from the insurance policy. I wanted to update my restoration with XXXX XXXX. I have a dispute with my accountant to file a obtaining property under false pretenses and breach of contract with my management.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: TX

Complaint narrative:
So I had a cash app account I lost my phone on XX/XX/XXXX I dropped it in the sewer at work I have not had access to my XXXX account or my phone number I finally got into my cash app and noticed some transactions I didn't make so I made some disputes and I went from making disputes to my cashapp being deactivated I appealed and they upheld their decision and I don't understand how they can do that when I still don't have a phone or access to any of my stuff

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
After reviewing my credit report, I am concerned to see a late payment notation, even though I have never missed a payment.

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 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
An inaccurate late payment was reported on my credit report by this company. I made the payment on time, and I have documentation supporting this fact. Despite my previous disputes and requests for verification, the company has not corrected the information. This constitutes non-compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). I am requesting a full reinvestigation and correction of this error 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 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I look closely at my credit report and check that there is an accuracy on my accounts. I never been late in that. There might be an error in reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

Company response to consumer: Closed with explanation