vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-21 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:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
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 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 2025-08-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This correspondence is a formal dispute regarding a fraudulent account reported under my name. I have never opened, maintained, or consented to this account. Its reporting is false and damaging to my financial standing.

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 2025-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
The resolve this issue is to reimburse back my my daughter SSI benefits. They took {$2000.00} my daughter SSI benefits that they stoled. over an over draft and mistake that they made. Who takes money from a baby? I have bills I have to pay with that money. Its not fair. I have proof of everything. This bank need to reimburse me my daughter money I HAVE BILLS TO PAY and FOOD to buy. They doing illegal stuff, this somebody was on your account thats XXXX Im not about to let this bank take advantage of me and take from my daughter. You will see on the bank statements and screenshots they took {$2000.00} outta my bank account making it a negative. Their fault not mines I sent in my proof. My daughter SSI benefits is to help me with her pulls up, food and other needs and bills but they bank took it. Thats ILLEGAL and not fair and Im not about to be lied on. They need to reimburse my daughter SSI benefits because they had no reason/Rights taken my daughter money to begin with its not a game and Im not having it me and my daughter not getting put out our house for NOBODY!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-21 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: NJ

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: CA

Complaint narrative:
I am filing this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that [ EQUIFAX ] immediately block and permanently remove multiple fraudulent accounts [ Collections, Charge-Offs, Late Payments, and Hard Inquiries ] that were added to my credit report without my knowledge or authorization. These accounts are the direct result of fraudulent activity, not any legitimate consumer transaction, and I have provided a valid FTC Fraud Report ( Criminal Complaint # XXXX ) along with supporting documentation, including proof that my personal data was compromised in the Equifax data breach. 

I am filing this FTC Identity Theft Affidavit to report XXXX fraudulent accounts appearing on my consumer FICO Equifax credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX ; an installment account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX ; an installment account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX ; and a collection account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 

It is the credit bureaus legal obligation under the FCRA to review and block fraudulent, inaccurate, or incomplete information from a consumers file within XXXX ( XXXX ) business days of receiving proper documentation. I am demanding the immediate removal of all fraudulent items, a stop to all related collection activity, and confirmation that this dispute has been escalated for manual investigation, not automated processing. Failure to act in accordance with federal law may result in further legal action to protect my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Dave Operating, LLC
State: IL

Complaint narrative:
Dave took XXXX Dollers from my account that I didnt owe and I disputed with bank and they gave money back, but bank reversed and XXXX closed account and I cant dispute with them, XXXX sent email stating that it was fraud on account, and know I cant dispute to get my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: TX

Complaint narrative:
I am disputing a late payment entry on my credit file. All payments have been submitted on time, and the reported entry is inaccurate. This misreporting is damaging to my credit reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
To : Experian XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX REQUEST FOR DEBT VALIDATION AND INVESTIGATION UNDER THE FAIR CREDIT REPORTING ACT. DEAR EXPERIAN, XXXX XXXX XXXX, I AM WRITING TO FORMALLY DISPUTE AN ACCOUNT LISTED ON MY CREDIT REPORT AND TO REQUEST A FULL VALIDATION OF THE DEBT IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ). BELOW ARE THE DETAILS OF THE ACCOUNTS I AM DISPUTING : XXXX. XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX BALANCE {$310.00} XXXX. I XXXX XXXX OPENED XX/XX/XXXX BALANCE {$1000.00} XXXX. XXXX XXXX XXXX  OPENED XX/XX/XXXX BALANCE {$480.00} XXXX. XXXX XXXX XXXX OPENED XX/XX/XXXX BALANCE {$310.00} XXXX. XXXX XXXX XXXX OPENED XX/XX/XXXX BALANCE {$11000.00} I DSO NOT RECOGNIZE THIS DEBT AND REQUEST THAT YOU VERIFY ITS ACCURACY AND PROVIDE THE FOLLOWING : 1. THE ORIGINAL CREDITORS NAME AND ADDRESS 2. THE DOCUMENTATION SHOWING I AGREED TO THE DEBT 3. THE COMPLETE PAYMENY HISTORY 4. A COPY OF THE SIGNED CONTRACT OR AGREEMENT, IF AVAILABLE. 5. A STATEMENT OF HOW THE AMOUNT WAS CALCULATED UNTIL YOU HAVE FULLY VERIFIED AND VALIDATED THESE ACCOUNTS, I REQUEST THAT IT BE MARKED AS " DISPUTED '' ON MY CREDIT REPORT. IF THE ACCOUNT CAN NOT BE VERIFIED, I ASK THAT IT BE REMOVED FROM MY CREDIT FILE IN ACCORDANCE WITH THE FCRA. PLEASE CONDUCT YOUR INVESTIGATION AND PROVIDE WRITTEN CONFIRMATION OF YOUR FINDINGS WITHIN 30 DAYS, AS REQUIRED BY FEDERAL LAW. THANK YOU FOR YOUR PROMPT ATTENTION TO THIS MATTER

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 2025-08-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: DC

Complaint narrative:
The Company name is Hunter Warfield, the date is, XX/XX/year> so its my name but it is not my SSN, I keep getting calls and its on my credit this is fraud and it is stopping me from getting an apartment

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am submitting this complaint under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, as the information being reported is inaccurate and causing harm to my credit profile. I am requesting that the Consumer Financial Protection Bureau investigate this matter to ensure the credit reporting agencies comply with their obligations to maintain maximum possible accuracy. Additionally, I am demanding that any unverifiable or inaccurate account be permanently deleted and not reinserted into my file, in accordance with 15 U.S.C.1681i ( a ) ( 5 ).

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 2025-08-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Rocket Mortgage, LLC
State: AL

Complaint narrative:
They took over XXXX out my account which led to me facing bankruptcy I couldn't pay my other bills.. 
They promised to return the funds but never sent them back. 
Adress to home is XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: VA

Complaint narrative:
I am requesting a reinvestigation of every item on my current credit report pursuant to Section 609 of the Fair Credit Reporting Act ( 15 U.S.C. 1681g ). Under this section, you are federally mandated to obtain verification of the accuracy and completeness of all information in my file. If any portion of my credit reportsuch as accounts, judgments, balances, payments, late payments, or account historycannot be verified as 100 % accurate and complete, I am requesting that it be deleted or modified immediately. The disputed items are listed in the attached document.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I am filing a complaint regarding the inaccurate reporting of a Capital One account. 

Account Number : XXXX Reported as : Paid, Closed. {$220.00} written off. 

Status last updated XX/XX/year>. 


This account has been closed and resolved since 2021. It should not continue to reflect as a negative or derogatory item on my credit report. This reporting is inaccurate and misleading under the Fair Credit Reporting Act ( FCRA ). 

Requested Resolution : I am requesting that Capital One and the XXXX XXXX XXXX : XXXX. Remove this tradeline from my credit report, OR XXXX. Correct it to show Closed Paid/Settled {$0.00} balance with no derogatory status.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this formal complaint because my credit report with TransUnion contains multiple inaccuracies in my personal information that must be corrected immediately, as required under the Fair Credit Reporting Act ( FCRA ). Despite providing valid documentation, my file continues to show incorrect name variations, outdated or unauthorized addresses, and inaccurate employer information. 

Name Correction : The correct and only legal spelling of my name is XXXX XXXX XXXX. Any other name variations, misspellings, or incorrect entries must be permanently deleted. ( Proof attached : [ provide appropriate ID, e.g., Social Security Card ] ) Address Correction : The only valid address associated with me is : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. Any other outdated, incorrect, or unauthorized addresses should be deleted accordingly. Some addresses listed no longer belong to me, and I simply seek for my personal information to reflect maximum accuracy. ( Proof attached : Proof of Address ) Employer Correction : The employer information currently reported is incorrect. My only valid employer is XXXX XXXX XXXX XXXX XXXXXXXX XXXX, and any other listed employer must be removed immediately. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to the maximum protection and accuracy regarding the personal information reported on my credit file. Specifically : 15 U.S.C. 1681e ( b ) : Requires that consumer reporting agencies follow reasonable procedures to assure the maximum possible accuracy of the information they report. Failure to maintain accurate records, such as listing incorrect names, outdated addresses, or inaccurate employment information, violates this obligation and can seriously impact a consumers financial standing.

15 U.S.C. 1681i ( a ) : Mandates that upon receiving a dispute, credit bureaus must conduct a prompt and thorough reinvestigation to verify the accuracy and completeness of the disputed information. If the information can not be verified, it must be corrected or deleted without delay. This ensures that consumers are not burdened by incorrect or unverifiable data. 

15 U.S.C. 1681b : Limits the furnishing of consumer information strictly to those who have a permissible and authorized purpose. Any inclusion or reporting of unauthorized information such as outdated addresses or inaccurate employer records not only compromises consumer privacy but also constitutes a breach of this federal requirement.

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 2025-08-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH

Complaint narrative:
USAA agreed to refinance my auto loan that was with ally financial for a lower rate. After several months I was notified that they were missing the title on my loan. I reached out to XXXX who said they provided everything to USAA. USAA continue to not work or make any efforts on their own behalf to resolve this issue, including reaching out themselves to XXXX. I refuse to have to pay for a duplicate to be made when this is a fault on the Bank and XXXX they are being lazy and borderline illegal to rectify. Now I am stuck making payments on a loan for a vehicle where no one can even say where or who has the title to said vehicle. 
This has been an ongoing issue for several years now.

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 2025-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Credit Karma, LLC
State: OH

Complaint narrative:
Subject : URGENT Complaint Over {$400.00} Missing from Credit Karma Account ( Parent in Crisis ) To Whom It May Concern I am filing an urgent complaint regarding over {$400.00} in missing funds from my Credit Karma Money account. These funds were either reversed or transferredbut never returned, despite being marked as Completed, Reversal transaction, or Available to withdraw in the app. 

-- - Timeline of Events : On XX/XX/year>, I initiated multiple withdrawals from my Credit Karma account to my external bank : {$25.00} {$30.00} {$50.00} {$85.00} {$100.00} On XX/XX/year>, several of these were marked as Reversal transaction, implying the funds were returned to my Credit Karma account. 
They were not. My external bank confirms the money was withdrawn, but Credit Karma never re-deposited it. 
On XX/XX/XXXX and XXXX, I initiated ACH transfers into Credit Karma : {$85.00} on XX/XX/XXXX at XXXX XXXX  XXXX {$50.00} on XX/XX/XXXX at XXXX XXXX  XXXX Both were marked Completed, but the funds are missing from my Credit Karma account. 

On XX/XX/XXXX, a {$50.00} reversal was labeled XXXX : Insufficient Funds and marked Available to withdraw immediately. 
This is false. My account balance was {$0.00} at the time, and the funds were never returned or made available. 


-- - Evidence : Screenshots of Credit Karma activity showing withdrawals and reversals Screenshots of completed ACH transfers into Credit Karma Screenshot of reversal falsely marked Available to withdraw Proof that my account balance was {$0.00} while Credit Karma claimed funds were available Screenshots of support chat showing dismissive and disrespectful treatment -- - Support Experience : When I contacted Credit Karma support, the representative was dismissive and disrespectful, ending the conversation before I could respond. I was denied the opportunity to explain the issue or receive any meaningful help. 

-- - Urgency & Harm : I am a parent, and my daughter lives with me. My electric bill is due Monday, and this missing money has put us in a financial crisis. The emotional stress and disruption this has caused to my family is unacceptable. I was misled, ignored, and financially harmed. 

-- - What I Demand : XXXX. A full investigation into the reversal and missing deposits XXXX. Immediate return of the missing funds : {$25.00} + {$30.00} + {$50.00} + {$85.00} + {$100.00} + {$85.00} + {$50.00} = {$420.00} XXXX. Additional compensation for the emotional distress, disruption to my household, and the disrespectful treatment I received XXXX. A written explanation of what occurred and why support failed to assist XXXX. A direct contact or escalation path for urgent financial issues

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
Zelle didnt help when payments were sent to wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me. 

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within XXXX business days. ON These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent information.

Company response to consumer: Closed with explanation