vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-22 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: VA

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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 2025-07-22 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: NY

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/year>, Balance : {$00.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: IN

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-22 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: IN

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently purchased a copy of my credit report and noticed that there are collections and derogatory remarks that I do not recognize. I personally handle my finances and I am certain that everything has been paid on time. I would like them to be removed and have marked them on a copy of the report being sent in with this letter. 
XXXX. XXXX XXXX XXXX XX/XX/XXXX {$12.00} XXXX. XXXX XXXX XXXX XX/XX/XXXX {$720.00} XXXX. XXXX XXXX XXXX XX/XX/XXXX {$8100.00} XXXX. XXXX XXXX XXXX XX/XX/XXXX {$710.00} XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX {$15000.00} XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX {$1100.00} XXXX. XXXX XXXX XXXX XX/XX/XXXX {$500.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
On XX/XX/XXXX, I awoke around XXXX, drove XXXX hours from XXXX to XXXX, worked out there then drove XXXX hours back. When I arrived back in town, I picked up my paycheck, went to the bank and made a deposit. Then I logged onto the Alphaeon website and made a payment which was due that day. Even though it was the afternoon of XX/XX/XXXX, XXXX would not post my payment until the following day, Then they had the gall to charge a late fee. I called Alphaeon XX/XX/XXXX to get the fee waived but they wouldn't accommodate my request. These are the reasons for this complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-22 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: Consumer Portfolio Services, Inc.
State: IL

Complaint narrative:
I noticed this on my credit report, called and can't get a clear answer of why and who they are

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: JPMORGAN CHASE & CO.
State: AK

Complaint narrative:
I refinanced with XXXX XXXX  and had a good experience. I set them up to take my payment every month from my credit union account. All went well until they sold the mortgage to Chase JPMorgan. Chase sent me a letter advising they had bought the loan and everything would continue as before. Then they failed to take my payment, twice. When I realized they had failed to take the payments I contacted them, discussed the situation and paid the stars. I also checked my credit union to insure everything was correct for them to take the payment monthly. Then, they failed to take it again, twice. I tried again to contact them to resolve the issue AGAIN. Its impossible. Every number I tried lead to a computer that didnt offer any way to speak with a person. Since I couldnt speak with them I made an extra payment the next month. Shortly I received a letter that my payment was short, which it was not. Chase had unilaterally chosen to divert XXXX XXXX XXXX  of my {$970.00} payment into an escrow account they unilaterally decided to establish. Then, about a month later they sent me a letter stating that my payment had increased to over {$1100.00} from my previous payment amount of {$970.00}. Thats where we are now. 
First, I dont believe they can fail to take payments as agreed and then asses fines and penalties against me. Their failure isnt my fault. Secondly, I dont think they have any legal right to unilaterally alter my payment in order to establish an escrow account without my agreement. Further, Ive never signed any agreement with Chase. 
Lastly and perhaps most importantly, their intransigence and stubborn insistence on trying to financially penalize me for their mistakes is seriously harming me by hurting my credit rating, which is already suffering from inaccuracies the credit bureaus have failed to remedy despite my efforts to correct their errors. 
Im happy to pay my normal, agreed payment, but Im not willing to allow them to charge me for their errors or unilaterally alter my mortgage. Ive paid all the normal payments, including catching up on the XXXX payments they failed to take. 
I need your help in getting my mortgage situation back to where it was prior to Chases incompetent interference and predatory practices. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Consumer Adjustment Company Incorporated
State: SC

Complaint narrative:
Debt Validation Letter Date : XX/XX/2025 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Sc XXXX ( all bureaus recieved this letter ) RE : Account # ( Fill in Account Number ) To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested.Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following Violation of the Fair Debt Collection Practices Act I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit- reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: TRANSWORLD SYSTEMS INC
State: MN

Complaint narrative:
Against : Transworld Systems & XXXX XXXX XX/XX/2025 I am submitting this complaint regarding a collection account in the amount of {$130.00}, originally owed to XXXX XXXX, and currently reported by Transworld Systems , Inc. ( TSI ) on my credit reports. 

I contacted both XXXX XXXX and Transworld Systems directly and clearly stated that I was willing to pay the full amount not negotiate, not settle for less in exchange for a simple written confirmation that the collection account would be removed from my credit reports upon payment. 

Both entities misled me, claiming that they can not remove the account from my credit report under any circumstances. That is not true. Under the Fair Credit Reporting Act ( FCRA ), furnishers are not required to report to credit bureaus, and many furnishers have chosen to remove accounts as a goodwill deletion after payment. Their claim that they are legally prohibited from doing so is false and misleading. 

I find it unethical that a consumer trying to pay a debt in full is being denied a path to repair their credit. A paid collection still negatively affects a credit score, and lenders rarely differentiate between paid and unpaid derogatory items. In other words, consumers are punished either way, even when they try to do the right thing. 

This practice feels deceptive and anti-consumer. It discourages repayment by making the outcome pointless for the person trying to take responsibility. I feel this behavior undermines the purpose of debt resolution and credit repair entirely. 

Again, I was not trying to negotiate a discount. I called both companies with the intent to pay 100 % of the balance. I simply asked for a written statement confirming that the account would be deleted from my credit report once paid. I was told this was impossible due to law or policy again, neither of which is accurate. 

This kind of refusal and misinformation harms consumers and creates a no-win situation : either pay and still suffer derogatory marks, or dont pay and be labeled irresponsible. 

I respectfully request the CFPB to review these practices and investigate whether both companies are misrepresenting the law and harming consumers through deceptive and punitive reporting tactics. 

Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
b': XXXX XXXX XXXX\n  XXXX XXXX XXXX\n   XXXX\nXXXX XXXX XXXX XXXX XXXX XXXX  XXXX\nCredit Reporting Agency:\n\t\tCompany: Equifax Information Services LLC\n\t\tAddress: XXXX XXXX XXXX XXXX XXXX XXXX\n\nI am filing this formal complaint regarding excessive and potentially unauthorized credit inquiries appearing on my Equifax credit report. Upon reviewing my credit report, I have identified numerous inquiries that appear to be:\n\t1.\tUnauthorized or improperly documented\n\t2.\tExcessive in frequency from the same companies\n\t3.\tPotentially fraudulent or generated without proper consent\nSPECIFIC INQUIRIES IN DISPUTE\nCompanies with Multiple Questionable Inquiries:\XXXX  XXXX  / XXXX:\n\t\tXXXX XXXX XXXX\n\t\tXXXX XXXX, XXXX  (appears twice)\n\t\tXXXX XXXX XXXX\n\t\tXXXX XXXX XXXX\n\t\tXXXX XXXX XXXX\n\t\tXXXX XXXX XXXX\n\t\tXXXX XXXX XXXX\nXXXX XXXX XXXX:\n\t\tXXXX XXXX XXXX\n\t\tXXXX XXXX XXXX\n\t\tXXXX XXXX XXXX\nXXXX XXXX:\n\t\tXXXX XXXX XXXXn\t\tXXXX XXXX XXXX\n\t\tXXXX XXXX XXXX\n\t\tXXXX XXXX XXXX\n\t\tXXXX XXXX XXXX\n\t\tXXXX XXXX XXXX\nXXXX XXXX / XXXX XXXX XXXX:\n\t\tXXXX XXXX XXXX\n\t\tXXXX XXXX XXXX\n\t\tXXXX XXXX XXXX\n\t\tXXXX XXXX XXXX\n\t\tXXXX XXXX XXXX\nVIOLATIONS AND CONCERNS\n1. Fair Credit Reporting Act (FCRA) Violations:\n\t\tSection 604 - Permissible purposes: Many inquiries lack legitimate permissible purpose\n\t\tSection 611 - Procedure in case of disputed accuracy: Equifax has failed to properly investigate previous disputes\n\t\tSection 616 - Civil liability for willful noncompliance\n2. Excessive Inquiry Pattern:\n\t\tXXXX XXXX  has pulled my credit 8 times in less than 18 months\n\t\tMultiple companies have made repeated inquiries without clear authorization\n\t\tPattern suggests potential data mining or unauthorized access\n3. Impact on Credit Score:\n\t\tThese excessive inquiries are artificially lowering my credit score\n\t\tPreventing me from obtaining favorable credit terms\n\t\tCausing financial harm through higher interest rates\nUnder the Fair Credit Reporting Act, I have the right to:\n\nThis complaint serves as formal notice that Equifax has violated these rights through inadequate inquiry verification and dispute resolution procedures.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing a formal complaint against XXXX XXXX Bank regarding inaccurate and misleading information being reported on my credit report with Equifax, TransUnion, and Experian. 

This account was closed with a {$0.00} balance and is marked as : Pays account as agreed ( Equifax ) Paid or paying as agreed ( TransUnion ) Paid account/was delinquent 120 days past due date ( Experian ) Despite the account being paid off and closed, the report continues to reflect a worst delinquency of XXXX days past due. These statuses contradict each other and result in a misleading depiction of my credit history. 

Potential Violations : Fair Credit Reporting Act ( FCRA ) : FCRA 602 ( A ) : Consumers have the right to fair and accurate credit reporting.

FCRA 623 ( a ) ( 1 ) ( A ) : Information furnished to a consumer reporting agency must be complete and accurate. 

FCRA 607 ( b ) : Consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy.

FCRA 611 ( a ) : If a consumer disputes information, the bureau must reinvestigate and correct inaccurate entries.

Metro 2 Compliance ( Credit Reporting Format ) : According to the Consumer Data Industry Association ( CDIA ) Metro 2 guidelines, this reporting may violate the following standards : Field 17A Account Status Code : Reporting 11 ( Current account ) or 13 ( Paid or closed account/zero balance ) while also reflecting major delinquencies is a contradiction. 

Metro 2 prohibits mixing paid as agreed status with XXXX days late history. 

Field 71 Payment Rating : A payment rating of 0 ( Current ) or 1 ( Paid ) can not be reported if the account history reflects XXXX days late. 

This inconsistency creates inaccurate and confusing scoring outcomes. 

Field 78 Payment History Profile : If the payment history shows D ( 120 days late ), then the account can not simultaneously reflect an OK or Pays As Agreed status. 

Metro 2 Reporting FAQ ( 2022 CDIA Update ) : When an account is paid and closed, the worst delinquency should not continue to suppress the score unless it is accurate, verifiable, and clearly separated from current status. 

Mixing positive current statuses with severe historical derogatories without context is non-compliant.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: MS

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/year> I attempted to send a friend of mine {$40.00} for a church mission trip to XXXX. 
The status is still listed as pending on XX/XX/year>. I have access to see my account and receive money but no access to send or withdraw my funds. 
They sent me an email on this day that went to my spam. All of their tips in the app say to wait. I waited XXXX XXXX 
XXXX thankful they blocked my account for suspected fraud. However, I have verified my identity with my drivers license. 
I have opened several cases as they do not reference the old. They give you a new case to escalate. 
I have called their XXXX number but you do not speak to anyone who can help you. 
They will only email you. 
They do not resolve the issues with email. 
I am beyond frustrated as I need the money out of my account. 
As a company they should have to address concerns timely with a process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally dispute several inaccuracies on my credit report. Please understand that this is not a mistake on my part these errors are real, and they continue to have a serious negative impact on my life. I am going through trying times, and the emotional and financial burden caused by these inaccuracies is significant.

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