vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiries nor to view my consumer report. In addition, I did not give any permission to furnish such information onto my report. This is a violation of Fair Credit Report ACT Section XXXX ( c ) as fraud & breach of my privacy. Inquiries that's not authorized. 

XXXX XXXX Financial - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX Service - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX MO XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX Bank XXXX - XX/XX/XXXX XX/XX/XXXXXXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX Service - XX/XX/XXXX XXXX XXXX Center - XX/XX/XXXX XXXX XXXX Bank XXXX - XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I am filing this complaint against Truist Mortgage due to an inaccurate and unfair 30-day late payment being reported on my credit file for the month of XX/XX/year>, stemming from what I firmly believe was an error on Truists end. 

In early XXXX, I logged into my Truist online mortgage portal to make my monthly payment. During the process, I included both the standard mortgage payment and a late fee that had been assessed. I was confident that I had properly selected both options when submitting the payment. However, I later discovered that only the late fee had been processed and the principal mortgage payment had inexplicably not gone through. As a result, Truist marked the XXXX payment as 30 days late, and this delinquency has since been reported to the credit bureaus. 

I immediately reached out to Truist for clarification, only to be told that I had failed to check the box for the regular mortgage payment. I strongly dispute this claim. I know without question that I submitted the full payment as I always do, and I believe this was a system error or glitch on their part. Despite my repeated efforts to seek resolution, Truist has refused to acknowledge the possibility of a technical error. Instead, they have repeatedly issued the same canned explanation without providing any meaningful review or evidence, nor offering any flexibility or correction. 

This situation is profoundly unfair. I am being penalized for a payment I genuinely attempted to make, and the consequences have significantly impacted my credit standing. A 30-day late payment on a mortgage can cause substantial long-term harm to a consumer 's creditworthiness, and in this case, I believe I am being wrongly punished due to a failure on the servicers part. 

I am formally requesting that the CFPB review this matter and urge Truist to correct the reporting to reflect the XX/XX/year> payment as paid on time. I am not asking for any special treatmentonly for fairness and accuracy in reporting, especially when the error in question may stem from the lender 's own system. 

Thank you for your time and 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 2025-04-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Activehours
State: NY

Complaint narrative:
I have currently an outstanding balance with earnin in the amount of {$210.00}. This company already knows my PAYDATE which falls on Fridays. Yesterday XXXX setup a new account with a different cellphone and email and unaware I owed this amount. I asked to repay the unpaid balance a representative, XXXX XXXX refused to accept my payment and told me to pay it on a different date I gave her XXXX of XXXX, Friday which is my payday with employment. I also asked to update my PAYDATE to Friday she refused and told me my PAYDATE is Thursday. Repeatedly, for over XXXX hours ( via chat ), this individual has harassed me and completely disagree. I have asked to cross reference to my previous account for confirmation of PAYDATE on file and provide paystub to no avail. 
This representative refused and I was treated unfairly as an existing Earnin customer Moreover, when this issue happened the first time with this company, as a result my chase bank account received a negative balance. I had reached out to Earnin then to have payday fixed so not sure the issue now and why each representative chose to be argumentative and uncooperative

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ), Section 1681s-2, and Metro 2 reporting standards, I am requesting the following : If the account is being reported as charged off, please remove any past due balance.

Correct the reporting to reflect zero late payments, a {$0.00} past due balance, and 0 % utilization.

If this can not be verified with complete accuracy, I request that the account be removed entirely from my credit report.

Experian reports a {$4600.00} balance with a {$3500.00} limit, 132 % utilization, and 8 late payments.

TransUnion reports the same {$4600.00} balance and {$3500.00} limit, also 132 % utilization, but states the account was paid on time.

Equifax reports a {$4600.00} balance and {$3500.00} limit, 132 % utilization, but shows 20 late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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: CA

Complaint narrative:
I recently reviewed a copy of my credit report and notice I had fraudulent accounts on my report. Please Id like to remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-04-20 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: VA

Complaint narrative:
Between XXXX and XXXX, someone used my identity without my knowledge or authorization to open multiple fraudulent accounts. In XX/XX/XXXX, a fraudulent account in the amount of {$770.00} was opened with a company listed as XXXX XXXX. I discovered this activity in XX/XX/XXXX upon reviewing my credit report. 

Under the Fair Credit Reporting Act, specifically 15 U.S. Code 1681c-2, consumer reporting agencies are required to block and remove fraudulent information from a consumers file within four business days upon receiving : - Proof of the consumer 's identity - A copy of a valid identity theft report - A written statement identifying the fraudulent information In compliance with this law, I submitted an Identity Theft Report to the Federal Trade Commission XXXX XX/XX/XXXX. I have formally disputed the fraudulent information and requested that the account be blocked and permanently removed from my credit report. 

This account was opened through identity theft and should not be associated with me. I am exercising my rights under the FCRA and request that the company take immediate action to resolve and remove this fraudulent item from all records. 


Let me know if you want to reference additional laws like the Fair Debt Collection Practices Act ( FDCPA ) * *, or if you'd like this tailored for use with a specific company or 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 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
To Whom It May Concern, I am filing this formal dispute regarding an account that was previously removed from my credit report but has now been reinserted without my knowledge or authorization. I did not authorize this reinsertion, nor did I provide permission for this account to be reported again. I have no dealings with this creditor. This is a direct violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ).

Under the Fair Credit Reporting Act ( FCRA ), specifically Section 611, consumer reporting agencies are required to provide notice of reinsertion within five ( 5 ) days and must maintain reasonable procedures to ensure maximum possible accuracy of the information they report. Since this account has been reinserted, I am demanding that you provide me with the following immediately, and no later than four ( 4 ) days from receipt of this notice : 1. The name, address, and contact information of the entity that verified this account for reinsertion.

2. A complete copy of all documents provided to substantiate this reinsertion.

3. The full method of verification, including the name of the individual who verified the data and the exact date of verification.

If you can not provide this evidence, or fail to do so within the allotted four ( 4 ) day period, you are required to delete this account from my credit report immediately. Reporting unverifiable or unauthorized accounts is a serious violation of federal law.

Given the nature of this dispute, which involves unauthorized reinsertion and impacts my consumer rights, I expect confirmation of deletion or full verification documentation within the stated time frame.

I expect confirmation of deletion immediately upon completion. 

Disputed Item XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - I don't recognize this at all. - This is not mine - please remove this inaccuracy from my report! 

XXXX XXXX XXXXXXXX - I don't recognize this at all. - This is not mine - please remove this inaccuracy from my report! 


Sincerely, XXXX XXXX XXXX : XX/XX/year> SSN : 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 non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
To Whom It May Concern, I am filing this formal dispute regarding an account that was previously removed from my credit report but has now been reinserted without my knowledge or authorization. I did not authorize this reinsertion, nor did I provide permission for this account to be reported again. I have no dealings with this creditor. This is a direct violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ).

Under the Fair Credit Reporting Act ( FCRA ), specifically Section 611, consumer reporting agencies are required to provide notice of reinsertion within five ( 5 ) days and must maintain reasonable procedures to ensure maximum possible accuracy of the information they report. Since this account has been reinserted, I am demanding that you provide me with the following immediately, and no later than four ( 4 ) days from receipt of this notice : 1. The name, address, and contact information of the entity that verified this account for reinsertion.

2. A complete copy of all documents provided to substantiate this reinsertion.

3. The full method of verification, including the name of the individual who verified the data and the exact date of verification.

If you can not provide this evidence, or fail to do so within the allotted four ( 4 ) day period, you are required to delete this account from my credit report immediately. Reporting unverifiable or unauthorized accounts is a serious violation of federal law.

Given the nature of this dispute, which involves unauthorized reinsertion and impacts my consumer rights, I expect confirmation of deletion or full verification documentation within the stated time frame.

I expect confirmation of deletion immediately upon completion. 

Disputed Item XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - I don't recognize this at all. - This is not mine - please remove this inaccuracy from my report! 

XXXX XXXX XXXXXXXX - I don't recognize this at all. - This is not mine - please remove this inaccuracy from my report! 


Sincerely, XXXX XXXX XXXX : XX/XX/year> SSN : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: IN

Complaint narrative:
My chime account has been charged twice for a XXXX account I do not have. It was charged once last year in the amount of {$100.00} and this past XXXX again for {$130.00}. I have disputed both of these transactions and canceled my cards and somehow XXXX was able to charge me again. Chime has denied all my disputes despite me re-opening disputes and providing proof that I have not had an active XXXX account since XXXX. I have also spoken to XXXX and they too have verified they see no charges coming out for any subscription that belonged to me in the past. I have re-opened my dispute for the most recent charge in XXXX of XXXX XXXX times now, and have provided screenshots and proof that I do not have a subscription and havent had one and they continue to deny my disputes and refuse to refund me. I have spent several hours with chime as well as XXXX and I am getting no where. I have lost a total of {$240.00} now for a XXXX I never had and did not authorize. I was only asking the refund the latest transaction but they have denied my disputes both times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-04-20 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: GA

Complaint narrative:
Credit I looked at my account on XX/XX/XXXX 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. I Sent a letter asking them to reinvestigate these accounts listed below XXXX I looked at my account on match XXXX XXXX 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. I Sent a letter asking them to reinvestigate these accounts listed below because progressive account number XXXX * * date TransUnion shows date opened XX/XX/XXXX and date last active as of XX/XX/XXXX Equifax Shows date opened as XX/XX/XXXX and the last date of activity on this account XX/XX/XXXX. I am asking you to reinvestigate this account progressive XXXX * * * * Account I have gotten the investigation back but nothing was modified or updated on the account So i requested a description of the reinvestigation and they did not provide it to me which is a violation of 15 USC 1681I7 They also violated 15 USC 168I ( 5 ) Can you look into 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 non-monetary relief
Consumer complaint received 2025-04-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XXXX XXXX an XXXX store credit card was fraudulently opened, nor received the card from said account. I looked up my credit report because I received a late payment on my report and noticed the multiple inaccuracies. I got in contact with the credit grantors twice the first time they froze the account but didn't remove the late payments or the account from my report. The second time I contacted the bureau they closed the account on XXXX XXXX which is what never wanted I wanted the account due to it being fraudulently opened and according to 15USC 1681i ( 5 ) I see it states after any reinvestigation under paragraph ( 1 ) of any information by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified. The credit bureaus did not reinvestigate and violated my right.

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 2025-04-20 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 this complaint to request that TransUnion take immediate action, in accordance with the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), to block fraudulent information from my TransUnion consumer credit report within 4 business days. The accounts, collections, hard inquiries and address in question are the result of identity theft and do not belong to me. I request that these items be removed from my credit report within 4 business days of receipt of this complaint, as stipulated under the FCRA. The fraudulent information that needs to be removed includes the following : DPT EDXXXX - Opened XX/XX/XXXX With a balance of {$3000.00} DPT EDXXXX - Opened XX/XX/XXXX With a balance of {$1000.00} DPT EDXXXX - Opened XX/XX/XXXX With a balance of {$1200.00} XXXX - Opened XX/XX/XXXX With a balance of {$450.00} XXXX XXXX - Opened XX/XX/XXXX With a balance of {$1400.00} DPT EDXXXX - Opened XX/XX/XXXX With a balance of {$860.00} DPT EDXXXX XXXX - Opened XXXX XXXX XXXX With a balance {$2200.00} DPT ED/XXXX - Opened XX/XX/XXXX With a balance of {$1600.00} With fraudulent inquiries with : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX None of these accounts, collections , were initiated by me, and they are a direct result of identity theft. As evidence of the fraudulent activity, I am including a copy of my FTC Identity Theft Criminal Complaint ( # XXXX ) & ( # XXXX ). I expect that XXXX  will act swiftly to resolve this matter and block the fraudulent information from my credit report as required by 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 non-monetary relief
Consumer complaint received 2025-04-20 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:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

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