vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-14 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: CA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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 a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : FRAUDULENT ACCOUNTS : Account Name : XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: TX

Complaint narrative:
My account with XXXX XXXX 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 in to be removed.

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. 

XXXX XXXX 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! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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: MD

Complaint narrative:
Violated the following - Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, 1681b, 1681g, 1681s-2 ( b ) - Uniform Commercial Code UCC 1-308 , UCC 1-103 - Identity Theft Enforcement 18 U.S.C. 1028A I have submitted multiple lawful disputes to credit reporting agencies, including Experian, TransUnion, and Equifax, regarding inaccurate, unverifiable, or fraudulently furnished accounts. These disputes were either ignored, improperly handled, or met with unlawful tactics such as : - Account suspension without cause ( TransUnion ) - Improper reclassification of my dispute as an identity theft issue ( Experian ) - Failure to delete unverifiable information. Experian attempted to reclassify consumer lawful dispute as identity theft to shift the burden, in violation of 15 U.S.C. 1681i and 1681s-2 ( b ). These acts constitute willful noncompliance and a violation of federal law. Also Equifax had a breach that effected my credit across all three bureaus. 3 different certied mailed letters have beem sent out to all three bureaus on 3 different dates and still no real investigation like I asked. Only intimidation tactics and trickery. No original contract for XXXX or any other account. They continue to add and erase remarks which has beem damaging to my character and my right to trade in commerce.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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: MD

Complaint narrative:
Violated the following - Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, 1681b, 1681g, 1681s-2 ( b ) - Uniform Commercial Code UCC 1-308 , UCC 1-103 - Identity Theft Enforcement 18 U.S.C. 1028A I have submitted multiple lawful disputes to credit reporting agencies, including Experian, TransUnion, and Equifax, regarding inaccurate, unverifiable, or fraudulently furnished accounts. These disputes were either ignored, improperly handled, or met with unlawful tactics such as : - Account suspension without cause ( TransUnion ) - Improper reclassification of my dispute as an identity theft issue ( Experian ) - Failure to delete unverifiable information. Experian attempted to reclassify consumer lawful dispute as identity theft to shift the burden, in violation of 15 U.S.C. 1681i and 1681s-2 ( b ). These acts constitute willful noncompliance and a violation of federal law. Also Equifax had a breach that effected my credit across all three bureaus. 3 different certied mailed letters have beem sent out to all three bureaus on 3 different dates and still no real investigation like I asked. Only intimidation tactics and trickery. No original contract for XXXX or any other account. They continue to add and erase remarks which has beem damaging to my character and my right to trade in commerce.

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 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2025-08-14 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: MD

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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: CA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind 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
Consumer complaint received 2025-08-14 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
While reviewing my credit report, I discovered inquiries that I did not authorize and that are not associated with 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 explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Checking or savings account — Savings 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: WEBSTER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I noticed XXXX dollars tooken out my account i ask the bank for bank statements the bank gave me nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: VA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and 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 2025-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NV

Complaint narrative:
My wallet and phone was stolen, all transactions and denials were done on XX/XX/XXXX for {$450.00}. And transaction for {$36.00} which was approved through chime Submitted police report number and report, submitted find my iphone locations, i submitted my live location while my card was attempted to be used. Same info provided for the smaller claim was submitted for the bigger claim. The denied my bigger claim 4 times couldnt tell me why. Just kept saying they will send a letter that I never got. I submitted XXXX dispute and XXXX rebuttals from XX/XX/XXXX - XX/XX/XXXX all denied still dont know why.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
My credit report contains late payment entries that I believe are inaccurate. Under 15 USC 1681e ( b ) and 15 USC 1681i, my report must only include information that is accurate, complete, and verifiable. I am requesting verification of these late payment entries, and if they can not be confirmed, I ask that they be corrected or removed.

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 2025-08-14 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: MD

Complaint narrative:
The company must immediately delete the inaccurate late payment entries from my credit file for the listed account, as they have failed to provide proof of proper billing notices or due dates before reporting the negative marks. This violates FCRA 1681e ( b ), 1681s-2 ( a ) ( 1 ) ( A ), and 1681i ( a ), as well as 15 U.S.C. 1666B.

A fair resolution is : Permanently remove the disputed late payments from my credit report.

Provide a corrected credit file and written confirmation of deletion within 15 business days.

Cease any further reporting of the inaccurate late payments unless verifiable documentation of proper notice is produced.

If this is not resolved, I will escalate with additional complaints to the CFPB, FTC, and State Attorney General, and pursue damages under FCRA 616. 

XXXX. XXXX XXXX Account XXXX : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc
State: CA

Complaint narrative:
Basically, my XXXX on my phone got hacked and I showed them proof and I showed them proof of me sending emails and documentation to XXXX XXXX XXXX  that was duplicating. My purchase is charging me, triple and charging me when I didnt make the charger or authorized a charge at all whatsoever and its totaled over XXXX {$5000.00} And did they have yet to pay my dispute any attention they said that they gave me a credit back in XXXX which they did it and I have been calling them over and over again trying to get this resolved and its hard to even get somebody who understands and speaks fluent in English Im Im just fed up of companies like this that work with the scam artist and then like think of every excuse possible why they cant probably dispute charges I did not authorize. This fake bank has gotten me for so much money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: Rent Recovery Solutions
State: NC

Complaint narrative:
I never agreed to do any business with rent recovery solutions or to have any of my personal information released to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: SC

Complaint narrative:
I am issuing this formal and final demand for the immediate deletion of all fraudulent and unauthorized accounts, inquiries, and public records from my credit file. These items are the result of identity theft, and I have never consented to or opened the accounts in question. This matter has been reported to the Federal Trade Commission, and I have attached my Identity Theft Report as required by law. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and REMOVE all fraudulent information within FOUR ( 4 ) BUSINESS DAYS of receiving this notice and the supporting documents.Any delay, negligence, or continued reporting of this false information will be treated as willful noncompliance and a blatant violation of federal law. Be advised that I will pursue legal action under FCRA 616 and 617 for damages and statutory penalties.This is your final warning. Remove all fraudulent data immediately or face the legal consequences.

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 2025-08-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I didn't give anyone consent to check or look into my credit report so I ask this inquiry be deleted immediately. 

Unauthorized Inquiry Dispute Letter FCRA Statutory Law Cited 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 XXXX XXXX  Subject : Formal Dispute Unauthorized Credit Inquiries To Whom It May Concern : This letter is a formal demand for the removal of certain unauthorized credit inquiries from my credit file pursuant to the Fair Credit Reporting Act ( FCRA ), specifically Section 604 [ 15 U.S.C. 1681b ] and Section 611 [ 15 U.S.C. 1681i ].

Under FCRA Section 604, a consumer reporting agency may only furnish my credit report if there is a permissible purpose, such as a credit transaction I initiated, employment purposes with my written consent, insurance underwriting, or other lawful business transactions expressly authorized by me. Any inquiry made without my direct consent or a permissible purpose is a violation of this statute.

Under FCRA Section 611, I have the right to dispute any information on my credit report that I believe is inaccurate or unauthorized, and the credit bureau must conduct a reasonable investigation within 30 days to verify the validity of the information. If the inquiry can not be verified with documented proof of my consent and permissible purpose, it must be deleted immediately.

The following inquiries are being disputed as unauthorized : 1. 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 XXXX XXXX XXXX XXXX XXXX XXXX  I am demanding that you : Provide the full name, address, and phone number of the entity that initiated each inquiry. 

Provide documented proof that I gave authorization for each inquiry. 

Remove all inquiries that can not be verified as having a permissible purpose under FCRA Section 604.

Failure to comply will result in my filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General for violations of federal law. 

Enclosed are copies of my identification and a recent utility bill for identity verification. I expect written confirmation of the results of your investigation within 30 days from the date you receive this letter, as required by the FCRA. 

Sincerely, [ XXXX [ XXXX XXXX XXXX ] Enclosures : Copy of photo ID

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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: MD

Complaint narrative:
The companies have failed to comply with the Fair Credit Reporting Act by continuing to report fraudulent accounts and unauthorized inquiries despite receiving my FTC Identity Theft Report, government-issued ID, proof of address, and full documentation. This is a direct violation of : FCRA 605B Failure to block identity theftrelated data within 4 business days.

FCRA 611 Failure to conduct a proper reinvestigation and remove unverifiable data.

FCRA 604 Retaining inquiries with no permissible purpose.

18 U.S.C. 1028A Effectively aiding in aggravated identity theft by knowingly reporting fraudulent information. 

This ongoing misconduct is causing continued financial harm, reputational damage, and emotional distress. I am demanding immediate permanent deletion of all fraudulent accounts and inquiries in question, blocking of any associated identity theft data, and issuance of a corrected credit report with written confirmation. If the companies can not produce documented proof of my authorization for each account or inquiry, they must remove them immediately. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: IL

Complaint narrative:
MOHELA is inaccurately reporting multiple 90, 120, and 150 day late payments on my federal student loan accounts, despite studentaid.gov showing the loans were in approved forbearance or deferment during those months, meaning no payment was due. Some MOHELA accounts are also reported in duplicate, inflating derogatory items. 
I called MOHELA in XXXX and was told the matter would be investigated and updated within 2 weeks. After more than 30 days and a follow-up call, nothing changed. No proof has been provided that payments were due and unpaid. 
My official records show : Cancelled ( CA ) XX/XX/XXXX ; In Repayment ( RP ) XX/XX/XXXX ; Paid-in-Full by Consolidation ( PN ) XX/XX/XXXX ; Forbearance ( FB ) XX/XX/XXXX ; In Repayment ( RP ) XX/XX/XXXX ; Grace Period ( XXXX ) XX/XX/XXXX ; In School ( IA ) XX/XX/XXXX. 
This inaccurate reporting has negatively impacted my credit score and financial opportunities for more than two years. The Department of Educations records confirm these delinquencies never occurred. I request that all late payment entries be updated to on-time status, duplicate accounts removed, and all credit bureaus notified to update their records, with written confirmation provided to me once complete.

Company response to consumer: Untimely response