vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-05 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 reporting XXXXXXXX XXXX for inaccurate and conflicting reporting of my XXXX XXXX Credit Card. I never requested this account be closed. However, my TransUnion credit report shows it was closed and marked as closed by credit grantor. Meanwhile, XXXXXXXX XXXX sent me a letter on XX/XX/year>, stating the account is still open and asking me to contact them to request closure. 

This is a violation of the Fair Credit Reporting Act. XXXX is furnishing inconsistent, misleading information thats negatively impacting my credit score and falsely suggests I caused the closure.

I am requesting that this account be completely deleted from all credit reporting agencies due to false and unverifiable reporting. When i have the option i will be providing attachements that include : The letter from XXXX contradicting the credit report Screenshots from TransUnion showing the account is closed by the credit grantor

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 2025-05-05 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: MD

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 non-monetary relief
Consumer complaint received 2025-05-05 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:
TransUnion is currently reporting numerous collection and charge-off accounts that are either duplicated, inconsistent, or contain materially misleading information. The items in question include : XXXX ( XXXX * * * * ) showing both a {$0.00} balance and a {$2400.00} balance, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with {$540.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) with {$4100.00}, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX showing {$4900.00}, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) with {$2400.00}, XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX  ) with {$140.00}, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX with {$2300.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with {$310.00}, and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  with {$1400.00}. These entries are riddled with errorssuch as duplicate listings, reporting a {$0.00} balance while still labeled as charged-off, and inconsistent account statuseswhich violate the accuracy provisions required by 15 U.S. Code 1681e ( b ). These kinds of errors suggest my personal data may have been compromised in a broader data breach and reported without due diligence.

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 2025-05-05 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: CA

Complaint narrative:
I am writing to formally dispute the inaccurate personal information listed on my credit report. Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
XXXX I contacted Mr. Cooper my mortage holder. I made a mistake and submitted payment twice, when I contacted to remedied the issue, I was told they can apply the mistaken payment to principal, that's their solution. If I want a refund, I have to wait for my XXXX Bank statement at the end of the month that shows the extra payment, submit a letter for the refund that's over a month from now before I see my refund. Can the mortage company apply clearly identified mistaken payment to Principal? Is that legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: NY

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 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 2025-05-05 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:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. 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 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! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I am writing to bring to your attention an ongoing issue regarding the funds that I did not receive after Citi Bank closed my account in XX/XX/year>. A series of investigations has been conducted and Citi Bank recently provided the attached information. However, upon contacting XXXX, they claimed that they did not receive the check and requested a tracking number. Unfortunately, Citi Bank 's response unit stated that they could not provide a tracking number as the check was sent via regular mail and they closed this issue without providing a satisfactory resolution, leaving the client without recourse. As a result, this issue remains unresolved since XX/XX/year>.

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 2025-05-05 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: CA

Complaint narrative:
Im writing to dispute an item on my credit report that, in my view, does not meet the standards set by the Fair Credit Reporting Act specifically, the requirement for maximum possible accuracy.

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 2025-05-05 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: WA

Complaint narrative:
Upon reviewing my credit reports on XX/XX/year>, I identified XXXX or more accounts that I did not open, authorize, or have any knowledge of. These accounts appear to be the result of fraudulent activity and do not belong to me. 

I have contacted all three major credit reporting agenciesEquifax, TransUnion, and Experianand requested original documentation that connects me to the disputed accounts. Despite my repeated requests, I have not been provided with any such documentation that validates these accounts or proves my association with them. 

This ongoing issue has impacted my credit profile and caused unnecessary stress and concern. I am concerned that my identity may have been used without my knowledge, and I believe it is imperative that this matter be investigated thoroughly. 

Please consider this letter a formal complaint and a request for your office to initiate an investigation into the failure of the credit bureaus to provide adequate verification for these disputed accounts. I would also like these accounts to be removed from my credit report if the agencies involved can not substantiate them with valid and verifiable documentation. Enclosed are copies of FTC Report as well

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 2025-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: GA

Complaint narrative:
b"I am the victim of a fraudulent scam that resulted in a total loss oXXXX XXXX  in USDC (crypto). On or around [insert date], I was manipulated into authorizing a transaction under false pretenses. I have already filed a police report and submitted a fraud claim to Robinhood, which was denied, despite the transaction being induced by a scam. I am requesting that XXXX reconsider its decision and refund the funds, as I was clearly manipulated under fraudulent circumstances and acted in good faith. I am seeking the bank's cooperation under its obligations to protect consumers under Regulation E, and I believe this incident falls under unfair or deceptive practices. Please investigate and compel XXXX to explain their decision and assist me in recovering my stolen funds. I have all related documents and am willing to cooperate fullyXXXX XXXX  Amount of XXXX XXXX  Amount XXXX XXXX XXXX Amount XXXX XXXX  XXXX Amount of XXXX XXXX  Amount of XXXX XXXX  Amount of XXXX XXXX  Amount of XXXX  All unauthorized transactions Total loss of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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:
Trans Union lowered my XXXX score for no reason, and they refuse to admit it and correct their mistake.

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 2025-05-05 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX XXXX & TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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.

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 2025-05-05 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: MD

Complaint narrative:
The charge-off reported by XXXX XXXX ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  ) on my Equifax credit report is being reported with a {$0.00} balance, which directly contradicts the typical conditions of a charged-off debt. A XXXX balance signifies that there is no financial liability remaining, making the continued reporting of the account as charged-off misleading, inaccurate, and harmful to my credit file. Equifax, under 15 U.S. Code 1681e ( b ), has a legal responsibility to ensure the highest degree of accuracy in the information it reports. This entry not only lacks context but fails to represent the resolution of the account, whether it was paid, settled, transferred, or otherwise resolved. The continued classification of this item as a charge-off is unjustified and appears to be a direct result of erroneous data handlingpossibly influenced by a data breach or unauthorized third-party access, leading to corrupted or incomplete reporting. I have never received any valid debt verification or post-resolution documentation that justifies the negative status Equifax continues to display.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: CO

Complaint narrative:
I am requesting the immediate blocking and removal of unauthorized accounts from my credit report. I did not authorize or initiate these accounts and am unfamiliar with their origin. As stated under USC 1681g, I ask for their removal within the next 15 days. Enclosed are relevant documents for your review. There are also discrepancies, with different account details reported to each bureau.

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 2025-05-05 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: SC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CT

Complaint narrative:
I sent an amount of {$500.00} through the XXXX app to be directly deposited into an international bank account ( XXXX Bank XXXX ) on XX/XX/year>. A few days later I inquired about the money but was told no such amount has been deposited. I contacted XXXX and was told it would take up to XXXX days to investigate. After about XXXX weeks, I received an email from XXXX that they are through with their investigation and that the money was delivered on XX/XX/year>. XXXX also indicated that they have closed their investigation and will not reopen it unless I have new evidence supporting my complaint. I contacted XXXX Bank XXXX for a bank statement which I then attached to an email to XXXX letting them know that according to the bank statement, no such amount was deposited on XX/XX/year> or any day thereafter from XXXX. I was told it would take up to XXXX days to investigate again. After about a couple of weeks I received another email from XXXX that they have concluded their investigation and still stated the transfer was sent. I have attached proof of withdrawal from my XXXX XXXX XXXX bank account, receipt of confirmation from XXXX stating transfer sent " but it wasn't '' and proof of bank statement from XXXX Bank XXXX with no showing of a deposit on XX/XX/year> or any day after that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: TX

Complaint narrative:
Consumer Name : XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within four ( 4 ) business days of your receipt of this request. 
The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer XXXX credit report. 
I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them. 
These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft. 
To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer XXXX credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. 
Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Money was taken out of my account over a month ago without my knowledge. Chase informed me that they would be issuing me a provisional credit while they completed the investigation. They closed the claim without issuing me a credit or refunding me the money that was taken from my account. I submitted the claim on Friday afternoon. I checked this morning and I was not given any reason why the claim was closed

Company response to consumer: Closed with explanation