vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-20 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: AL

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment 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 non-monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TrueAccord Corp.
State: TX

Complaint narrative:
I must express my disappointment with the information on my credit report. I have invoked my rights under the FCRA to contest any data that I believe is inaccurate. It's disheartening to see that allegations of delinquency and derogatoriness have been included in my report without factual evidence. I strongly challenge the reportability of these allegations, as they do not meet federal or state reporting requirements. I trusted that the information in my credit report would be reported with the utmost compliance and accuracy, but it seems that this is not the case. I implore you to ensure that all claims reported are in compliance with regulations and the law. 

XXXX XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CA

Complaint narrative:
My student loan were paused due to covid forbearance. I wasn't notified when that forbearance was lifted. Therefore, it put me making late payments and a delinquent effecting my credit score significantly.

Company response to consumer: Untimely response
Consumer complaint received 2025-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: LA

Complaint narrative:
XXXX am writing to formally dispute the accounts referenced below on my consumer credit report, which appear to have arisen as a result of potential fraud or unauthorized activity. I hereby request verifiable evidence bearing my signature or electronic signature. This letter is being sent on my behalf, and I kindly request your thorough consideration. These actions, undertaken without my authorization, may constitute a violation of my XXXX as stipulated in the Fair Credit Reporting Act Section  604 [15 U.S.C.  1681b]XXXX my previous contact with the respective companies, it was indicated that these actions may have been initiated without proper validation or original proof from any of the reporting entities. I trust that you will address this matter with the utmost diligence and rectify the potential inaccuracies promptly. Your cooperation is greatly                                            appreciated.                            XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: WA

Complaint narrative:
XXXX XXXX XXXX XXXX On XX/XX/year>, I purchased a product from XXXX XXXX XXXX XXXX XXXX for {$450.00}. However, I never received the product, and my attempts to contact the seller have been ignored. The sellers account is now non existent and apparently is now inactive, indicating fraudulent activity hopefully. I was buying an automotive item that I never received. From XXXX XXXX. He requested for more money. And messages dont XXXX with XXXX XXXXXXXX , when I asked for my money back, he sent a message, stating XXXX you XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: CT

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

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 2025-10-20 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: PA

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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 have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and fairness of credit reporting. Also, in 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 2025-10-20 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:
Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX, TX XXXX Employer - XXXX XXXX  Employer - XXXX XXXX XXXX Employer - XXXX Incorrect DOB : - XXXX Incorrect Name : - XXXX XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, TX XXXX Listed below are the Accounts that are being challenged DPT EDXXXX - XXXX DPT EDXXXX - XXXX DPT EDXXXX - XXXX DPT EDXXXX - XXXX XXXX  - XXXX DPT EDXXXX - XXXX DPT EDXXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX  XXXX XXXX DPT EDXXXX XXXX XXXX DPT EDXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
After numerous phone calls to XXXX, XXXX and XXXX representing TD Bank USA, NA to verify amount and address to send payment, I was told by receptionist she could not give me the address, I left several messages with no return call, I was able to find the only bill I was sent. I sent a cashiers check certified mail on XX/XX/XXXX via certified mail. I received confirmation signature that the check was received on XX/XX/XXXX. I again left a message asking for confirmation email or letter stating this was paid in full with no response. I checked my balance on their on line portal which stated balance was XXXX, I was unable to pay this online it kept giving me the phone number I was calling to speak to a representative that is why I sent cashiers check via certified mail. On XXXX XXXX I was served a civil action suit by a Sheriff from XXXX, XXXX and XXXX representing TD Bank USA for the same debt that was paid weeks ago. It is unclear if this was an oversight or retaliation for my previous complaint. Once again, I left a message on their voicemail that states you will get a call back by XXXX the next business day which does not occur,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc.
State: TN

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX, I sent money using Remitly XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX the amount of XXXX. The status said in-progress and that transfer is expected to arrive on XX/XX/XXXX, XXXX. 

After checking a few hours from my familys bank and account at XXXX XXXX, the funds had not arrive yet and that it said, This transfer is taking longer than usualMost delayed transfers arrive within a day. But XXXX have already taken XXXX usd from my debit account. 

On XX/XX/XXXX, I followed up through my family to check her XXXX Bank XXXX XXXX XXXX account if the funds were credited. My familys bank advised that there is no trace of the incoming transfer on the account and advised that we can check again after XXXX banking days. 

On XX/XX/XXXX, I followed up with Remitly. Since the funds never arrived, I advised them to just cancel the transaction. Remitly advised that they have sent a cancellation request to XXXX XXXX  XXXX XXXX XXXX. 

On XX/XX/XXXX XXXX time, my family consequently followed up with her bank, XXXX XXXX  XXXX XXXX XXXX to check for email or any correspondence from Remitly with regard to cancellation request asking for approval. 
XXXX XXXX  XXXX XXXX XXXX advised that they still are not able to trace any transaction from Remitly, nor the XXXX XXXX  denied any attempt from Remitly to cancel the transaction. 

On XX/XX/XXXX, I had called Remitly again and Remitly gave inaccurate answers which did not align to the previous updates they provided before. They hanged up the call on me. 

I called Remitly again, asking for supporting documentation that they emailed or contacted XXXX XXXX  XXXX XXXX XXXX however they were not able to provide. I also asked to send me an email of everything we have discussed during the call and Remitly agent now stated that it is not allowed. 

My family also asked XXXX Bank XXXX XXXX XXXX to expedite the investigation however they are not able to locate any transaction using the reference number from Remitly.

I am escalating this matter with you to humbly ask for your intervention to resolve this matter and have Remitly return my funds to my account. I have already waited for 10 days to either send the money to my family which they did not receive. And I have waited 7 days for them to solve the problem by cancelling the transaction and returning back my money to my debit account, which I never received until now. 

Thank you for your support. 


Addendum : Remitly does not provide Account Number, You can provide my Name and Birthday XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: SD

Complaint narrative:
XXXX piss poor mismanagement of goldman sachs apple card? They show me reckless indifference and pretend inept phone answerers can actually fix anything? Last complaint was a website error or software issue, there payment option did not show me my monthly due? Took the entire amount and caused me rage with a overdraft? The bank corrected it? NOW there clumsy robot has be blocked from any credit increases, claims I missed a payment? I never missed a payment EVER????  Last week I told some inept employee there phone answerer, to fix it or delete it and put a travel advisory in my case history? Must be to stupid to comprehend that? NO supervision there? Today my card was harassed or blocked from paying my customs fee in the XXXX XXXX Useless going to my iphone and clicking or verifying it was me? XXXX  wallet app, useless? XXXX  is a conniving greedy company, who's card is it anyway? XXXX  or XXXX XXXX  they refuse to get accountable and always make dumbass excuses that is another number or inept fools to argue with? There bullshit robot causes futility and can NOT get a live person? Obviously done on purposeXXXX They lied to me about automatic credit increases, never had XXXX had this card XXXX XXXX years now, (always) paid monthly paid off the entire balance at least XXXX  times already including last XXXX XXXX I just read how XXXX  and goldman sachs ripped customers off and paid XXXX  million dollar penalty? Outrageous. WHO is responsible for this malignant problems with this applecard?????"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: MO

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-10-20 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and fairness of credit reporting. Also, in XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ( XXXX XXXXXXXX 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 2025-10-20 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: FL

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently.

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/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 2025-10-20 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:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently.

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/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 2025-10-20 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: AL

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Theres a debt collection issue on my Chase account that Ive been trying to resolve for years. Ive sent in multiple documents, but nothing seems to work. They keep giving me the runaround.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Chime Financial Inc
State: NC

Complaint narrative:
I cant get into my chime account so i cant get my day started, i cant get gas i cant make it to work or anything i have to miss work today because of chime not being able to keep its service running like they should

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: TX

Complaint narrative:
This is my second follow-up regarding multiple inaccurate items on my credit report that remain unresolved. 
Inaccurate addresses 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 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 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 XXXX XXXX XXXX 
These items violate FCRA 604, 607 ( b ), 611, 623 ( a ), 605B and FDCPA 807, 809.

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 2025-10-20 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:
This is my second follow-up regarding multiple inaccurate items on my credit report that remain unresolved. 
Inaccurate addresses 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 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 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 XXXX XXXX XXXX 
These items violate FCRA 604, 607 ( b ), 611, 623 ( a ), 605B and FDCPA 807, 809.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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:
Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX, XXXX, CA XXXX Employer - XXXXXXXX XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX Incorrect Name : - XXXX XXXX XXXX Employer - XXXXXXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX Incorrect Name : - XXXX XXXX Incorrect DOB : - XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged 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 non-monetary relief
Consumer complaint received 2025-10-20 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: SC

Complaint narrative:
My name is XXXX XXXX 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