vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-16 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: FL

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, Experian, and Transunion data breach, which raises concerns about the security of my personal data.

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 2025-06-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: V and H Portfolio
State: TX

Complaint narrative:
This company has restarted unlawfully reporting a debt that is now XXXX XXXX XXXX ( created in XXXX  ). 

The debt collector has failed to verify the Date of First Delinquency, which violates the Fair Credit Reporting Act ( FCRA ). 

I have attempted more than once to get this debt verified, as it is past XXXX  years. I have not received the information requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: FL

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-06-16 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: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX  XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX  XXXX ] Account Number : [ 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 2025-06-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: PA

Complaint narrative:
bXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX money transfer via Western Union to a recipient in XXXX XXXX. We designated the transfer for same-day pickup at a Western Union location inside the XXXX XXXX. The recipient attempted to retrieve the funds but was repeatedly denied at XXXX and then tried three different Western Union locations with no success. At the first encounter the representative took the MTCN number for the transfer and stated that an error code was preventing disbursement.\n\nWhen I escalated the matter to XXXX XXXX customer service, I was advised to file a non-payment claim and told I would need to wait 20 days for a resolution  despite the transfer being marketed as same-day. During follow-up calls to the XXXX XXXX  location, a store manager admitted that the employee on duty that day was not properly trained to process Western Union transactions, which directly contributed to the problem.\n\nThis delay has caused financial stress and serious inconvenience to my recipient. Furthermore, this indicates systemic issues with staff training and operational compliance at Western Union agent locationsXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: AR

Complaint narrative:
I am a victim of identity theft. I have an assigned victim ID number issued by the US Department of Justice. My identity has been compromised on multiple occasions and my social security number has been found on the dark web. Although I have a freeze on my account individuals have been able to bypass security measures due to data breaches obtaining pertinent information that is used to verify me and obtain credit again in my name. 

To All It May Concern : This letter serves as formal notice and demand for the immediate removalwithin 24 hoursof derogatory and inaccurate information currently reported on my credit file under the Fair Credit Reporting Act ( FCRA ), codified at 15 U.S. Code 1681 et seq. 

This inaccurate and harmful reporting is in direct violation of my consumer rights under the following provisions : 15 U.S. Code 1681b ( a ) ( 2 ) : Permits access to consumer reports only for permissible purposes. If the information was accessed, reported, or disseminated without permissible purpose, it constitutes a direct violation.

15 U.S. Code 1681e ( b ) : Mandates maximum possible accuracy in the preparation of consumer reports. The presence of inaccurate derogatory information shows clear noncompliance.

15 U.S. Code 1681g : Grants me the right to a full disclosure of the information in my file and the sources thereof. Failure to provide this upon request is unlawful.

15 U.S. Code 1681i or 1681c ( presumed from 92 C ) : Addresses reinvestigations of disputed information and limitations on reporting outdated information.

Due to the nature and consequence of this erroneous reporting, I hereby demand the complete deletion of the erroneous item ( s ) from my credit report within 24 hours of receipt of this notice. Additionally, I demand that you furnish me with written proof of this deletion via email to confirm compliance and transparency.

Failure to do so will result in immediate legal action against your organization. I will pursue the maximum allowable compensatory and punitive damages for : Willful noncompliance and negligence under the FCRA Emotional distress and mental anguish Hindrance of my creditworthiness and financial livelihood Direct impact on my ability to provide for myself and my family This dispute and demand shall be taken seriously, as further violations will not be tolerated. You are hereby reminded that each day you continue to knowingly report inaccurate information and refuse to act constitutes a willful violation of federal law, and I am prepared to present this matter before the proper court of law without further notice.

I expect a prompt and compliant response to this matter within 24 hours of receipt. A failure to act will solidify your liability and initiate immediate proceedings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: NY

Complaint narrative:
I am writing to formally dispute inaccurate and unauthorized information currently appearing on my consumer credit report. The accounts listed below appear to be the result of identity theft, fraud, or unverified activity. I demand that you immediately provide original documentation bearing my wet or electronic signature to validate each account, inquiry, and data point in question.

Under the Fair Credit Reporting Act ( FCRA ) 604 [ 15 U.S.C. 1681b ], you are not permitted to report or distribute consumer data without a legally permissible purpose. I did not authorize these accounts or inquiries, and you are now required to demonstrate proof of authorization or DELETE the entries immediately. 

Personal Information Being Challenged : Incorrect Current Address : XXXX XXXX XXXX, XXXX, NY XXXX Incorrect Previous Address : XXXX XXXX XXXX # XXXX, XXXX XXXX, NY XXXX Incorrect Previous Address : XXXXXXXX XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX, NY XXXX Incorrect Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX DOB : XXXX Incorrect Employer : XXXX XXXX Accounts Being Challenged : XXXX XXXXXXXX Collections Being Challenged : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX XXXX XXXX  XXXX Inquiries Being Challenged : XXXX XXXXXXXX XXXX XXXXXXXX XXXX I have also noticed a repeated practice of issuing generic form letters in response to consumer disputes, which violates 15 U.S. Code 1681i. Each dispute must be individually investigated and properly verified. You can not delay or deny valid consumer disputes based on how the letter was drafted. I am the author of this communication, and any attempt to ignore or bypass your legal obligation will be viewed as willful noncompliance.

You have 30 days to complete your investigation, DELETE unverifiable or unauthorized entries, and mail me an updated copy of my credit report showing these corrections. Failure to comply will result in complaints being filed with the CFPB, FTC, and consideration of civil legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Movement Mortgage LLC
State: NJ

Complaint narrative:
On XX/XX/XXXXXXXX  my monthly payment increased from XXXX to XXXX since that time I have been struggling with my payments to pay up. I cant afford that anymore because this payment is to high. I called the company after getting an exemption from the city on my property taxes on XX/XX/XXXXXXXX  for 5 years ( XXXX ) the company said that it will be applied automatically and I have been waiting from this time to get the reduction on my monthly payment until today day and i dont see any changes! I need you help with this please and i dont refuse to pay but this is to high for the amount of this property

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally dispute and demand correction of multiple inaccurate personal identifiers on my credit report. These errors directly violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681e ( b ) and 1681c. You are legally required to ensure maximum possible accuracy, and failure to do so subjects you to regulatory consequences.

After reviewing my credit report, I found several incorrect names, addresses, employers, and other identifiers that do not belong to me. I have attached a valid copy of my government-issued ID, Social Security card , and proof of current address to verify the correct information.

Effective immediately, I demand the following actions : Correct Personal Information : Legal Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, TX XXXX SSN ( last 4 ) : XXXX Date of Birth : XX/XX/year>XXXX  Delete the Following Inaccurate and Unverifiable Items : Incorrect Names : XXXX XXXX XXXX XXXX XXXX XXXX Incorrect XXXX : XXXX  ( incomplete/misreported ) Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Incorrect Employers : XXXX XXXX XXXX XXXX XXXX  XXXX You have no permissible purpose to maintain outdated or incorrect data. These inaccuracies compromise the integrity of my credit profile, create identity confusion, and expose me to unnecessary risk. Your continued reporting of this unverifiable and incorrect data constitutes willful noncompliance. 

Immediately DELETE all incorrect personal information listed above. 
Update my file with the accurate information I provided. 
Send written confirmation that these changes have been made. 
Failure to take prompt corrective action may result in formal complaints filed with the CFPB, FTC, and State Attorney Generals Office.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, Experian, and Transunion data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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:
TransUnion LLC Consumer Dispute Center XXXX. XXXX XXXX XXXX, PA XXXX RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 XXXXXX/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 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: WA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Unexpected or other fees — 
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I had an utterly deplorable experience with XXXX XXXX at Truist Bank on XXXX XXXX XXXX XXXX, XXXX, MD XXXX that highlights a shocking lapse in basic security and customer service. On Friday, XX/XX/year>, I withdrew a cashier 's check for {$1900.00}. To my horror, when I checked my account on Monday, XX/XX/year>, I discovered an unauthorized cashier 's check for {$560.00} had been withdrawn in my name. This check was neither signed nor approved by me, and the signature was clearly that of a different person. The fact that such a blatant discrepancy went unnoticed, despite the banks supposed ID verification process, is absolutely unacceptable for a financial institution entrusted with customers money. 

The ordeal only worsened when I visited the branch to resolve this egregious error. I was forced to wait over 30 minutes, an infuriating inconvenience given that this was entirely the banks mistake. When I finally spoke with XXXX XXXX, their response was dismissive and unprofessional, stating, I need to call the other client. This is beyond unacceptablewhy should I, the victim of the banks negligence, be delayed further while they sort out their internal failures? My money should have been credited back immediately, allowing the bank to handle their investigation on their own time. 

While the bank eventually returned my funds, this incident should never have occurred. A banks primary responsibility is to safeguard its customers accounts, and this failure to verify a clearly fraudulent signature is inexcusable. XXXXXXXX XXXX inability to identify an obvious name discrepancy between the ID and the check raises serious concerns about their competence and suitability for such a critical role. This experience was not only a gross inconvenience but also a betrayal of trust that no customer should endure at a bank.

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 monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief