vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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:
This is an escalation of my previous CFPB complaint, because Equifax mishandled the investigation and is reporting incorrect and unlawful information regarding the XXXX XXXX / XXXX XXXX account. 

This account was sold, which means the original creditor legally can not continue to furnish updated payment history, revised closed dates, new scheduled payments, modified historical information, or any account activity after the date of transfer. Equifaxs own response shows that the furnisher updated the closed date, scheduled payment, last payment date, and historical payment information all of which is illegal once an account has been sold or transferred.

Equifax did not provide the required Method of Verification under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), did not provide the Date of First Delinquency ( DOFD ), and verified the account without supplying any supporting documentation. They also failed to address inconsistent reporting across the other credit bureaus, failed to provide proof of the alleged deli
nquencies, and are now reporting activity that could not legally occur after the sale of the account.

This constitutes improper updating, illegal re-aging, and a violation of FCRA 607 ( b ), 611, 623 ( a ) ( 1 ) ( A ), and 623 ( a ) ( 5 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: IL

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: GA

Complaint narrative:
On XX/XX/year>, I completed a request to switch BACK to the " PAYE '' student loan plan after switching to the " SAVE '' Payment plan when it rolled out. I just want to switch BACK to the original plan I was on. I completed the application on the XXXX website. After completion back in XXXX of XXXX, the studentaid.gov website under my application process reads, " Your loan servicer has received your application. Theyll start reviewing it, including any documentation of income provided, and will notify you once their review is completed. '' I have contacted Mohela several times this year to ask them to process that application. They responded ( eventually ) by telling me I needed to re-apply on the studentaid.gov website, but it will not allow me to do so while this application is pending. I simply need them to make a decision on this application, and allow me to get back on the PAYE plan I was qualified for prior to switching to the now defunct " SAVE '' plan. If I had stayed on the PAYE plan, I could have already discharged my loans from Public Service Loan Forgiveness.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was the victim of a fraud scam involving an XXXX XXXX transaction using my debit card. I responded to what appeared to be a legitimate concert ticket seller on XXXX. We were messaging through the app, and the seller provided a phone number for me to send payment through XXXX XXXX. I sent the payment using my debit card via XXXX XXXX. 

After the payment was completed, the seller immediately deleted their XXXX account and disappeared. I received no tickets or goods. This was a fraudulently induced transaction, where the scammer misrepresented themselves and tricked me into sending money. 

I contacted my bank to file a fraud dispute, but the bank refused to open a Regulation E claim. They stated that because the payment was sent through XXXX XXXX and classified the transaction as peer-to-peer, they can not do anything. This is incorrect. XXXX XXXX is only a digital wallet, and the funds were withdrawn directly from my debit card, which is covered by Regulation E. Regulation E applies to fraudulently induced transfers, even when the consumer initiates the transaction based on deception. 

I have multiple pieces of evidence, including screenshots of the XXXX messages, the payment details, the phone number used, the deleted XXXX profile, and my IC3 fraud report. I am requesting that the CFPB require the bank to properly investigate this case under Regulation E and provide the protections required by law, including a fraud investigation and provisional credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: IL

Complaint narrative:
I am a victim of identity theft. The information identified in my dispute and currently appearing on my credit report does not relate to any transaction, account, or activity that I have ever authorized or conducted. These entries are the direct result of identity theft, and they must not be associated with my consumer file in any way. Under Section 605B of the Fair Credit Reporting Act, codified at 15 U.S.C. 1681c-2, I am exercising my full legal right to request the immediate blocking and permanent removal of all fraudulent information connected to the identity theft incident. Federal law requires that this information be blocked promptly upon receipt of my identity theft documentation, that it be removed from my file, and that all furnishers who supplied the fraudulent information be notified that it has been eliminated from my credit report. The law also requires that this blocking action be completed within four business days of receiving my materials. To support this statement, I am providing all documentation required by federal law, including a complete Identity Theft Report as defined by 15 U.S.C. 1681a ( q ), proof of my identity, and a copy of Section 605B outlining your obligations regarding the blocking of identity-theft-related information, and prevention of reinsertion. This serves as my formal declaration and lawful request. The fraudulent items identified in my dispute must be blocked, removed, and prevented from reappearing on my credit report, in full compliance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: LA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: LA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I disputed a rental debt that appears on my TransUnion credit report. This debt is inaccurate. I have never received any email regarding this issue, and I only found out about it while checking for a new vehicle lease. Because of an unknown amount and a collection company Ive never heard of, I almost wasnt able to purchase the vehicle. In addition, the unreasonable adjustment to my credit score has caused significant difficulties. XXXXXXXX XXXX XXXXXXXX management confirmed in writing that I would not owe any remaining rent if I moved out before the end of the lease term. I moved out early and fully complied with their requirements. I have an email from management stating that no additional rent would be charged.

I previously disputed the same issue with XXXX, and XXXX  confirmed that I had no obligation to pay this debt. ( XXXX  Dispute on XX/XX/year>, Case No. XXXX XXXX XXXX. ) Despite receiving my documentation, TransUnion did not remove the inaccurate debt. They only added a consumer statement to my file instead of correcting or deleting the false information. This is causing ongoing harm to my credit. 

I am requesting that this inaccurate rental debt be fully removed from my TransUnion credit report and that the furnisher be required to properly investigate and correct the information under the Fair Credit Reporting Act. I am providing supporting documents to verify that this debt is not valid.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am extremely stressed to see that these inaccurate accounts are still appearing on my credit report, and they have not been taken off at all. I am begging for the documents I attached to be checked carefully so I can finally stop living in fear of this issue coming back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: SC

Complaint narrative:
Accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible and fairness of credit reporting. Also, in XXXX v. Equifax Information Services LLC ( D. Ariz. 2018 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
The inclusion of this late payment is incorrect, as I have always paid on time. I kindly ask for its immediate removal and for my account to be properly updated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
IRS put hold on my banking accouns on XX/XX/year> with Capital One. It was lifted on XX/XX/year>. The proper paperwork was sent from IRS as well as emails and fax to Capital One. I have been calling going in bank showing them the proofs as well as they keep saying they havent received anything. I have proof they did. They still havent lifted the hold on my accounts and I am in the process of being evicted and utilities getting shut off. They keep telling me that I will still have to wait, because its a process. Its been going on almost a month. I am pleading for this to get taken care of immediately. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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 -- 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: TX

Complaint narrative:
I am submitting an updated identity theft complaint because one fraudulent Dept. of Education/XXXX student loan account was not included in my original FTC Identity Theft Report. Because of this omission, TransUnion handled that specific account as a standard FCRA 611 dispute instead of an FCRA 605B identity theft block. I have now updated my FTC Identity Theft Report to include this Dept. of
Education/XXXX  account, which appears on my TransUnion file as : Creditor : Dept of Ed/XXXX  Account number : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Balance : {$4500.00} Status : 120 days late This account is fraudulent. I did not apply for, authorize, or receive this loan. It was opened as a result of identity theft.

Under FCRA 605B, once a fraudulent account is identified on an Identity Theft Report, TransUnion must block it within four business days. I am attaching my updated FTC Identity Theft Report and written identity theft supplement identifying this account.

I am requesting that TransUnion process this account as an FCRA 605B block and remove it immediately, consistent with federal law. No 30-day dispute investigation is required for identity theft blocks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: PA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-12-03 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: PA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am honestly overwhelmed because those inaccurate late payments are still sitting on my credit report this morning, and I can not understand why nothing has been corrected. I refreshed the page again and again, yet nothing changed. I am demanding that the documents I sent be examined immediately so I can finally stop carrying this stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

Company response to consumer: Closed with explanation