vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-16 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: TN

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 XXXX XXXX FRAUDULENT INQUIRIES 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 explanation
Consumer complaint received 2025-10-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I am filing a complaint regarding Bank of AmericaXXXX handling of an unauthorized ATM withdrawal from my account. 

On XX/XX/year>, I discovered that {$1000.00} was withdrawn from an ATM at XXXX XXXX XXXX using my debit card. At the time of the withdrawal, I was at home and did not make or authorize this transaction. I had recently lost my debit card, which unfortunately had my PIN number written/engraved on it, making it vulnerable if found by another party. 

I immediately reported this to Bank of America and disputed the transaction. However, the bank denied my dispute, stating only that the withdrawal was made by me. They have not provided any supporting evidence to justify this determination. I have maintained that I was not present at the casino, did not make this withdrawal, and did not authorize anyone else to do so. 

Bank of Americas denial leaves me without recourse despite my timely reporting and their obligations under the Electronic Fund Transfer Act ( Regulation E ) to investigate and resolve unauthorized electronic fund transfers. 

I am requesting that the Consumer Financial Protection Bureau review this matter and assist in holding Bank of America accountable for : Conducting a proper and fair investigation of my dispute. 

Providing justification and evidence for their denial. 

Reimbursing me for the unauthorized withdrawal of {$1000.00} plus any related fees or damages.

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 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: NV

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Continental Finance Company, LLC
State: FL

Complaint narrative:
I am filing this complaint regarding an XXXX  credit report entry from XXXX ( XXXX XXXX XXXX XXXX / Continental Finance ) . I have disputed this same account with XXXX  three or four separate times, and each time they returned the same automated response stating that the furnisher certified the information as accurate.

Despite these repeated disputes, XXXX continues to report the account as charged off month after month, even though it was closed long ago. This false re-aging violates FCRA 623 ( a ) ( 5 ) and 607 ( b ), which require furnishers and credit bureaus to maintain maximum possible accuracy. Since XXXX  has failed to reasonably reinvestigate or correct the data after multiple disputes, the law requires that this account be deleted entirely for non-compliance with FCRA standards.

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 2025-10-16 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: GA

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 

Account name : XXXX XXXX  Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: TN

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
This is a follow-up complaint to CFPB XXXXXXXX XXXX XXXXXXXX, which XXXX and TransUnion mishandled XXXX Both companies continue to violate the FCRA by refusing to process my legitimate consumer dispute and by reporting unauthorized data obtained from XXXX. I reject TransUnions response. This dispute was filed directly by me, the consumer, not by any third party. I personally prepared, signed, and mailed every document, including my ID and proof of address. 
TransUnions claim that this did not come from me is false and a deliberate stall tactic to avoid compliance with FCRA 1681i, which requires them to investigate disputes within 30 days.

If TransUnion made this claim because my letters were well-written or cited consumer laws, that is not grounds to deny my rights. I have studied consumer law and I am fully aware of my rights. I am not paying any company to dispute on my behalf. 

TransUnion is refusing to process a legitimate consumer dispute, which is an FCRA violation. This delay has caused financial hardship and emotional stress. If this continues, I will pursue legal action for willful noncompliance under FCRA 1681n and 1681o. for one thing, I will pay, and it's for a lawyer because I am really tired of this ongoing issue, and I will not stop until it is resolved.

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 2025-10-16 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: Receivables Management Partners, LLC
State: MI

Complaint narrative:
I am filing this complaint because RMP LLC began reporting or attempting to collect an alleged debt of {$550.00} without ever sending me the written dunning notice required by law 15 U.S.C.1692g ( a ) within XXXX ( XXXX ) days of the initial communication. The company has never provided a notice identifying the amount owed, the name of the original creditor, or my right to dispute the debt within 30 days. Instead, they furnished this on my experian and transunion reports as an active tradeline. This violates both the FDCPA and FCRA which prohibit furnishing information that is incomplete or inaccurate. 
I sent validation and dispute in, but RMP LLC continues to report the account without producing documentation or proof that any dunning notice was sent. I am asking the CFPB to held them accountable I am attaching copies of my dispute letters, and a current credit-report screenshot showing the RMP LLC entry .

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: FL

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 explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Found out in XXXX XXXX that my reward points were going to another members account. This goes back to XXXX. I continue paying the yearly fee with XXXX XXXX and they have only reimbursed me XXXX certificated XXXX and XXXX. They also credited me around XXXX points in XX/XX/XXXX. XXXX assuming they are for XXXX purchases up to XX/XX/XXXX and partial for XXXX. I reviewed credit card statements and per statements the following points were XXXX, XXXX, XXXX, XXXX XXXX... all went to other member

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: De Lage Landen Finance, LLC
State: LA

Complaint narrative:
Re : Contract XXXX XX/XX/XXXX Dear Sirs : I purchased a Mahindra Model XXXXXXXX farm tractor from XXXX XXXX XXXX XX/XX/XXXX. Monthly payments of {$120.00} were established through Mahindra Finance USA. The XXXXt double payment of {$250.00} was sent through XXXXXXXX XXXX on XX/XX/XXXX. I continued these double payments of {$250.00} through XX/XX/XXXX. However, Mahindra Finance sent a letter dated XX/XX/XXXX stating that my principal balance ( as of XX/XX/XXXX ) was {$4100.00}, and that the total finance charges paid for that calendar year was {$830.00}. 
I called Mahindra Finance shortly thereafter inquiring as to what became of my additional payments that were intended to be applied to the principal of my contract. They said that they didnt know that the extra payment was to be applied to the principal and just applied it to the next months payment. 
Therefore, I began sending my additional payments of XXXX XXXX monthly to them marked on each check apply to principal. This continued until XX/XX/XXXX. On XX/XX/XXXX I called them to see what my outstanding balance was and asked why Im not receiving monthly statements from them. They responded that my account was paid up through XXXX, XXXX. I then asked them what happened to the payments marked as apply to principal, which they said that I must call them in advance to disclose any such payments. I told them that this procedure is not acceptable and that my monthly checks clearly state where the payment is to be applied. They said that this is their standard procedure. 
I have reviewed my contract with them and can not find any such procedure within and am filing a formal dispute against Mahindra Finance USA to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: SC

Complaint narrative:
This is a formal dispute under FCRA 607 ( b ), 611 ( a ) ( 1 ) ( A ), 611 ( a ) ( 5 ) ( A ), and Reg V 1022.42. XXXX is reporting [ quote issue ]. These entries are false and must be verified through documentary evidence per XXXXXXXX XXXX XXXX ( 115 F.3d 220 ). 
Subject : Formal Demand for Deletion and Independent Reinvestigation under FCRA 607 ( b ), 611 ( a ) ( 1 ) ( A ) ; Reg V 1022.42 ( a ) ; XXXX XXXX  Data Integrity Violations Dear Experian Compliance Department, I am formally disputing several inaccurate, obsolete, and non-compliant items appearing on my Experian consumer report. Your system is publishing data that conflicts with the Fair Credit Reporting Act ( FCRA ), Regulation V, and XXXX XXXX format standards. 
Accounts in Violation XXXX. XXXX XXXX XXXX XXXX with a Past Due {$190.00} and Date Last Active XXXX while simultaneously refreshed to XXXX. 
o Violations : FCRA 607 ( b ), 611 ( a ) ( 1 ) ( A ) ; 623 ( a ) ( 5 ) ( re-aging ) ; Reg V 1022.42 ( a ). 
o XXXX XXXX Fields : XXXX ( Account Status ), XXXX ( Date of Account Information ), XXXX ( Condition Code ). 
o Demand : Delete this tradeline unless you can produce full payment ledger and proof that the XXXX date reflects verified activity. 
XXXX. XXXX Shown Account in good standing/ As Agreed yet simultaneously marked Was XXXX  days late XXXX times. 
o Violations : FCRA 607 ( b ) ; Reg V 1022.42 ( a ) ; XXXX XXXX Field XXXX ( Payment Rating ). 
o Demand : Remove all late notations or delete the tradeline in its entirety. 
XXXX. XXXX XXXX XXXX XXXX XXXX Authorized User ) Experian reports a XXXX late on an authorized-user card. 
o Violations : FCRA 607 ( b ) ; CFPB Bulletin XXXX ; Reg V 1022.42 ( a ). 
XXXX XXXX XXXX Fields : XXXX ( ECOA Code ), XXXX ( Payment Rating ). 
o Demand : Delete or correct ; authorized-user accounts can not reflect delinquency. 
XXXX. XXXX XXXX XXXX Charged-off XXXX, still reporting active balance and derogatory status in XXXX. 
o Violations : FCRA 605 ( a ) ( XXXX ) ( obsolescence > XXXX yrs ), 607 ( b ). 
o Demand : Delete immediately as obsolete. 
XXXX. XXXX ( Installment ) Reports Balance {$1200.00}/ Past Due {$1300.00}. 
o Violations : FCRA 607 ( b ) ; FDCPA 807 ( 2 ) ( A ) ; Reg V 1022.42 ( a ). 
o Demand : Provide original ledger showing how a past-due exceeds balance or delete.

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 2025-10-16 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: NY

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: CA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT INQUIRIES : 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

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 2025-10-16 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: GA

Complaint narrative:
I submitted a dispute with Transunion on XX/XX/year> for XXXX XXXX XXXX XXXX # XXXX with FTC report # XXXX. I requested immediate removal and block of XXXX XXXX XXXX XXXX # XXXX because this is not my account and they refused to honor the FTC report stating document submitted not acceptable. FTC report was filled out completely .Please help!!

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 2025-10-16 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: MO

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

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 2025-10-16 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: Experian Information Solutions Inc.
State: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation