vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I'm sending this today to you to follow up my previous letter concerning about the fraudulent items from my file. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. I'm requesting again for removal of the items listed below : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$11000.00}

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 non-monetary relief
Consumer complaint received 2025-07-31 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: FL

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXXXXXX Balance : {$310.00}

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 2025-07-31 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 requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXXXXXX Balance : {$310.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely from my credit report.

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 2025-07-31 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: LA

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: IL

Complaint narrative:
I am formally requesting the deletion of these unauthorized accounts from my credit file. I did not initiate them, nor was I made aware of their inclusion. As per USC 1681g, I expect their removal within 15 days. Enclosed are the documents to support my claim

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: OH

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : XXXX XXXX BANK XXXX XXXX Date Opened : XX/XX/XXXX Balance : 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 2025-07-31 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:
Violations are : Late Payments : 15 USC 1681 a ( 2Xi ), 15 USC 1681 Permissible Purpose : 15 USC 1681b ; Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) Verification : 15 USC 1681i ( 7 ) The Consumer Financial Protection Bureaus recent enforcement actions demonstrate the consequences of sham investigations and non-compliance. Your continued inaction places Equifax Inc at comparable legal risk and perpetuates irreparable harm to my creditworthiness, financial stability, and personal well-being. The following unauthorized accounts, all traceable to the XXXX  and Equifax Breach, remain on my credit report despite repeated disputes and supporting documentation : 1. { XXXX XXXX. Account XXXX : Balance : {$5000.00}. Fraud Established : XX/XX/XXXX } 2. { XXXX. Account # XXXX : Balance : {$2000.00}. Fraud Established : XX/XX/XXXX } 3. { XXXX XXXX. Account # XXXX : Balance : {$1800.00}. Fraud Established : XXXX XXXX } 4. { XXXX XXXX XXXX. Account # XXXX : Balance : {$2000.00}. Fraud Established : XX/XX/XXXX }

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I requested a bitcoin transfer from XXXX address to my Venmo XXXX address. Ive used the service on many occasions perfectly fine. This specific instance, the funds just show they arrived, but " pending '' and Venmo never released the funds. I have screenshots, videos, and it still shows pending to this day from XX/XX/XXXX. I opened a case ( Venmo case # XXXX ) in which they have never updated me or sent me my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

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

15 U.S.C. 1681 Section 604 A. Section 2 : It also 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 antedate the report by more than seven years 15 U.S.C. 16815-2 ( A ) ( a ) 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. 

Delete the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
I am submitting this complaint regarding what I believe to be an unfair interest charge applied to my Capital One credit card account. 

On XXXX, I made a payment of {$10.00} to my Capital One credit card account. Despite this payment, I was later charged {$8.00} in interest on the same day I initially made the payment. I find this charge to be excessive and confusing, especially since I was actively trying to reduce my balance and avoid additional fees. 

I reviewed my statements and could not find a clear explanation justifying such a high interest amount following my payment. I attempted to resolve this directly with Capital One customer service, but I did not receive a satisfactory explanation or resolution. 

I am requesting the Consumer Financial Protection Bureau to review this matter. I believe Capital Ones interest calculation and communication regarding this charge may be misleading or unfair to consumers trying to responsibly manage their credit. 

Account Information : Issuer : Capital One Type : Credit Card ending in XXXX Date of Payment : XXXX XXXX Amount Paid : {$10.00} Interest Charged : {$8.00} Thank you for your attention and time. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: KY

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the account is mandated. Kindly review the listed account below that requires correction : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX BALANCE {$0.00}, XXXX XXXX XXXX XXXXXXXX BALANCE {$0.00}, XXXX XXXX XXXX XXXX XXXX : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: KY

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the account is mandated. Kindly review the listed account below that requires correction : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX BALANCE {$0.00}, XXXX XXXX XXXX XXXXXXXX BALANCE {$0.00}, XXXX XXXX XXXX XXXX XXXX : {$0.00}.

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 2025-07-31 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: PA

Complaint narrative:
I am requesting the immediate removal of inaccurately reported late payments from my TransUnion credit file for the following accounts : XXXX XXXX Account No. XXXX XXXX Account No. XXXX XXXX Account No. XXXXXXXX XXXX Account No. XXXX XXXX Account No. XXXX XXXX XXXX XXXX  Account No. XXXX These late payments were reported without any prior notice from the furnishers. I was never given a fair opportunity to resolve or correct the issue before the negative marks were placed on my credit file a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

I am requesting that TransUnion : Reinvestigate the late payment entries listed above Require each furnisher to provide dated proof of notice, including any reminders or communications sent to me before the late payment was reported Permanently delete any late payment for which no such documentation exists Send me written confirmation of the deletion and a revised credit report within 15 business days If these issues are not corrected, I will continue pursuing this matter through the CFPB, FTC, State Attorney General, and seek legal action under FCRA 616, which allows for statutory and actual damages plus legal costs.

My request is simple : I expect a credit report that reflects only accurate, verifiable, and fairly reported information as required by federal law.

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 2025-07-31 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: CA

Complaint narrative:
Please assist me in investigating accounts from these companies that are wrongly reporting late payments. My credit report shows late payments that shouldnt be therethese must be removed. I ask that you delete those remarks and update the accounts to reflect the positive status we agreed upon.

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 2025-07-31 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX ( XXXX ) XXXX Date : XX/XX/XXXX Subject : Formal Dispute & Demand for Deletion Fraudulent XXXX Account & Inquiry | Identity Theft Report Attached Dear [ Credit Bureau or Agency Name ], I am writing to formally dispute the inaccurate and fraudulent XXXX collection account reporting a {$920.00} balance ( original open date : XX/XX/XXXX ) and marked with 0 % on-time payments. This account was reported closed on XX/XX/XXXX, and last updated in XX/XX/XXXX despite my confirmed identity theft and no legitimate connection to this account. 

This account was fraudulently opened in my name as a result of identity theft, as detailed in my official FTC Identity Theft Report ( attached ), submitted under penalty of perjury. I only discovered this fraudulent activity in XX/XX/XXXX, despite the account being opened in XXXX clearly without my authorization or knowledge. 

I also dispute the related XXXX XXXX inquiry dated XX/XX/XXXX, as I did not authorize or initiate that application. Under 15 U.S.C. 1681b ( c ) of the Fair Credit Reporting Act ( FCRA ), no inquiry may be made without the consumers consent or permissible purpose.

Furthermore, under 15 U.S.C. 1681c-2 ( Section 605B of the FCRA ), you are required to block and remove any information resulting from identity theft within four business days upon receiving a proper identity theft report and proof of identity. This letter, along with the attached FTC report, satisfies that requirement.

Additionally, the continued reporting and sale of fraudulent debt is a violation of 15 U.S.C. 1692e ( 8 ) under the Fair Debt Collection Practices Act ( FDCPA ), which prohibits communicating credit information that is known to be false or disputed. This accounts age ( opened in XXXX, never paid, no activity for years ) is further evidence of negligent verification practices and potential willful FCRA violations. 

I am demanding the following actions immediately : 1. Permanent deletion of the fraudulent XXXX account from all credit reports ( Experian, XXXX, TransUnion ). 
2. Removal of the hard inquiry by XXXX XXXX ( XX/XX/XXXX ), which was also unauthorized. 
3. Cessation of all collection efforts, reporting, and account transfers to third parties.

Failure to comply may result in legal action for willful noncompliance under 15 U.S.C. 1681n, with statutory damages up to {$1000.00} per violation, punitive damages, attorneys fees, and additional civil liability.

This is your final notice. Govern yourselves accordingly. 

Sincerely, XXXX XXXX UCC-1-308 Without Prejudice

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 2025-07-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: CrossCountry Mortgage LLC
State: MI

Complaint narrative:
I purchased a home my realtor met with the XXXX said he never went inside and then I talked to my loan processor and said the XXXX did go inside and had photos however XXXX was adamant that he just did a quick look over. But apparently they all seemed to know each other? Unsure. 
However I am sure that the XXXX had never wrote down that there was a XXXX sqft basement full of XXXX mold which has caused health issues to me and my wife and our youngest daughter to be moved away due to extreme difficulties breathing with a family member that works at XXXX in Virginia. 
Also a cracking foundation on exterior and XXXX  cracks on the walls that were covered half heartedly with paint showing housing shifts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX ( XXXX ) XXXX Date : XX/XX/XXXX Subject : Formal Dispute & Demand for Deletion Fraudulent XXXX Account & Inquiry | Identity Theft Report Attached Dear [ Credit Bureau or Agency Name ], I am writing to formally dispute the inaccurate and fraudulent XXXX collection account reporting a {$920.00} balance ( original open date : XX/XX/XXXX ) and marked with 0 % on-time payments. This account was reported closed on XX/XX/XXXX, and last updated in XX/XX/XXXX despite my confirmed identity theft and no legitimate connection to this account. 

This account was fraudulently opened in my name as a result of identity theft, as detailed in my official FTC Identity Theft Report ( attached ), submitted under penalty of perjury. I only discovered this fraudulent activity in XX/XX/XXXX, despite the account being opened in XXXX clearly without my authorization or knowledge. 

I also dispute the related XXXX XXXX inquiry dated XX/XX/XXXX, as I did not authorize or initiate that application. Under 15 U.S.C. 1681b ( c ) of the Fair Credit Reporting Act ( FCRA ), no inquiry may be made without the consumers consent or permissible purpose.

Furthermore, under 15 U.S.C. 1681c-2 ( Section 605B of the FCRA ), you are required to block and remove any information resulting from identity theft within four business days upon receiving a proper identity theft report and proof of identity. This letter, along with the attached FTC report, satisfies that requirement.

Additionally, the continued reporting and sale of fraudulent debt is a violation of 15 U.S.C. 1692e ( 8 ) under the Fair Debt Collection Practices Act ( FDCPA ), which prohibits communicating credit information that is known to be false or disputed. This accounts age ( opened in XXXX, never paid, no activity for years ) is further evidence of negligent verification practices and potential willful FCRA violations. 

I am demanding the following actions immediately : 1. Permanent deletion of the fraudulent XXXX account from all credit reports ( Experian, XXXX, TransUnion ). 
2. Removal of the hard inquiry by XXXX XXXX ( XX/XX/XXXX ), which was also unauthorized. 
3. Cessation of all collection efforts, reporting, and account transfers to third parties.

Failure to comply may result in legal action for willful noncompliance under 15 U.S.C. 1681n, with statutory damages up to {$1000.00} per violation, punitive damages, attorneys fees, and additional civil liability.

This is your final notice. Govern yourselves accordingly. 

Sincerely, XXXX XXXX UCC-1-308 Without Prejudice

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