vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-03 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: NC

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code
1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-09-03 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have a credit on Macy/Citibank , N.A it was the XXXX XXXX the problem is a have no idea about that I would like to remove it please

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 2025-09-03 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:
As of XX/XX/year> a new account from XXXX XXXX XXXX for {$15.00}, XXXX was added to my credit report. I called XXXX XXXX XXXX XXXX and spoke with XXXX who explain that it was glinched going on not sure why this is happening will have it removed and send me over a letter stating this information is incorrect and will be removed from my credit report. I explain that I purchasing a house will close within 2 business days and will sue if my rate is affected because of their error. I will continue to follow up each day until its removed. I have also reached out to my attorney to find out what can we do to get this corrected. This is very stressful and this just should not happen I would like my score to go back up XXXX points that they deducted. My score went from XXXX to XXXX. This is unacceptable and horrible. Please help me get this issued resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: NJ

Complaint narrative:
XXXX XXXXXX/XX/XXXXXX/XX/XXXXTransUnion Consumer SolutionsXX/XX/XXXXSubject: Follow-Up  Request to Block and Delete Fraudulent Accounts  Identity Theft VictimXX/XX/XXXXDear Transunion Consumer Services,XX/XX/XXXXI am following up again regarding my previous request to block and delete fraudulent accounts and information related to my identity under the Fair Credit Reporting Act (FCRA), specifically pursuant to 15 U.S.C.  1681c-2(a). I am a victim of identity theft because of the TransUnion data breach, and unauthorized accounts have been fraudulently opened in my name.XX/XX/XXXXThe fraudulent accounts that I have identified on my credit report are as follows:XX/XX/XXXXUnder 15 U.S.C.  1681c-2(a), I request that Transunion promptly block and delete the fraudulent accounts from my credit file to prevent further harm to my credit profile.XX/XX/XXXXFurthermore, I request written confirmation that these accounts have been removed, as well as an updated copy of my credit report reflecting these changesXX/XX/XXXXIf you require any further information or documentation to process this request, please contact me immediately at the phone number or email provided above.XX/XX/XXXXThank you for your prompt attention to this matter. I appreciate your cooperation in ensuring my credit report remains accurate and free from fraudulent activity.XX/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 2025-09-03 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 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-09-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Delays with the closing process
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
XXXX XXXX I contacted my primary mortgage company, held by Mr Cooper, to discuss a home equity loan. My initial concern was that I was on XXXX XXXX XXXX XXXX XXXX, returning from XXXX months of XXXX XXXX XXXX XXXX. I was assured this wouldnt be a problem, but it was. While the company accepted my past XXXX  years of income from the XXXX, my primary civilian job and the VA XXXX, as well as my wifes income, they stated they couldnt verify I worked where I worked. My manager even verified this, we filled out their manual verification form, and I sent in my compensation statement which verified my salary, however they continued to discriminate against me. Throughout this process, I asked to escalate this to higher management, but it took XXXX  times till the loan processor finally did. When they called me, the manager was still unable to believe I worked where I said I did. It took over 1 month for Mr Coopers underwriters to finally agree that I worked where I said I did. Unfortunatly, that same day they now said because the time took so long, they now had to reverify where my wife worked, and were initially unable to do so. A day later, they were able to verify this, and stated the loan would finally move to closing. Closing was supposed to be today. Initially, they had a hard time sending over the online documents. I finally received them, signed them, and then was to wait for a notary to finalize the loan. XXXX hours later I received a call stating there was a problem with the first notary and another would call me when they were ready to close. XXXX hrs later the new notary called me, however they said they have not received any documents. I called the loan company back, and the processor stated that she had already sent the closing documents to the title company multiple times. At this point, I have no idea where the company sent any of the documents or what the status of my loan is as Mr Cooper is not helpful. My complaints seem to go unanswered with Mr Cooper. Ive spent a significant amount of time trying to prove things that should have easily been validated from the start, let alone taken off time from work. I dont know what else can be done at this point and am extremely disappointed in the overall process, which is overdue and unfinished. Any further help to resolve this and reprimand the business Mr Cooper on this matter would be greatly appreciated. Ive considered legal action against them for what seems like discrimination against returning XXXX veterans who fall under XXXX protections but dont even know where to start. Thanks for reading this and I hope this matter can be resolved. If required, I have a full record of back and forth email communications attempting to resolve issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX at about XXXXXXXX XXXX, I tried to make a payment on my Kohl 's credit card. I tried several times but they system keep saying it couldn't make the payment and to try later. I finally took the attached photo. I did try before XXXX XXXX  and the system was not working. When I called to report this later in the month, the Kohl 's Cap One representative said the system was working and that if I didn't pay the late fee, I would get another late fee. 

I simply want this late fee from XX/XX/XXXX to be removed. I did try to pay and Kohl 's system was not working.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: MI

Complaint narrative:
I am disputing a collection account being reported by LJ Ross Associates on my XXXX  credit report. The tradeline does not list a balance, and the information is incomplete, inaccurate, and unverifiable. 

I submitted a written validation request under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ( b ) ), but LJ Ross Associates has failed to provide competent evidence that I owe this debt, a full itemization, or proof of assignment/ownership.

Despite this, the company continues to report and verify the account with XXXX, which constitutes a violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i & 1681e ( b ) ).

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 2025-09-03 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: MA

Complaint narrative:
Dear Cfpb : I am disputing the accuracy of XXXX reported XXXX late payments on my XXXXXXXX XXXX XXXXXXXX XXXX ( account number beginning XXXX XXXX XXXX XXXX XXXX XXXX 

My credit reports with XXXX, Equifax, and XXXX currently reflect XXXX late notations for XX/XX/year> and XX/XX/year>. These entries are inaccurate and misleading for several reasons : I had automatic payments arranged for this loan, and it was always my intent to pay on time. 

If a payment was delayed, it could only have been due to ( XXXX ) a medical emergency hospitalization during that timeframe, ( XXXX ) failure to properly receive billing statements at my home address, or ( XXXX ) a processing/posting delay on XXXXXXXX XXXX  XXXX XXXX 

I never received clear notice of delinquency at the time, which would be required under federal law if a payment was late. 

The account is otherwise in good standing, with consistent payments and a responsible management history. 

These isolated late notations are not a true reflection of my creditworthiness and undermine years of positive credit behavior. 

Violations of Law FCRA Accuracy Requirements Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), a furnisher may not report information that it knows or reasonably should know is inaccurate. Given the circumstances ( medical hardship, possible misapplied payments, and failure to provide statements ), the reported late payments are misleading at best. 

FCRA Duty to Investigate and Correct Under 15 U.S.C. 1681s-2 ( a ) ( 2 ) and 1681i ( Section 611 ), both XXXXXXXX XXXX and the credit reporting agencies have a legal obligation to promptly investigate disputes and remove information that is incomplete, unverifiable, or inaccurate within 30 days. 

Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1666 Creditors must send accurate, timely billing statements and ensure payments are applied correctly. If XXXX XXXX failed to send or process statements, any resulting late reporting is invalid. 

Consumer Financial Protection Act, 12 U.S.C. 5531 Reporting derogatory information under these circumstances is an unfair and deceptive practice ( XXXX ) that harms my credit standing without justification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
unauthorized charges on my account XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: MI

Complaint narrative:
They violated my rights as a consumer under 15 USC 1681B. I need these items blocked and removed from my credit report. 

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 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 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 2025-09-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I get direct deposit from SSI and last month there was a fraudulent transfered made .I called them everyday until today .they keep telling me to dispute the trans action but keep denying.it I have even applied it XXXX of these employees ohh well you have helped

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. they didn't follow the proper XXXX validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately. This account it almost XXXX XXXX XXXX & its stopping me from getting another apartment under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: TX

Complaint narrative:
This late payment report is invalid, considering my consistent payments. Please revise my record.

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 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

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 2025-09-03 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:
I'm a victim of Identity Theft and inaccurate information being reported by Experian and XXXX XXXX XXXX Account XXXX. This same XXXX  account was deleted from my Experian credit report XXXX. XXXX Experian and XXXX XXXX is in violation of 15 USC 1681 ( q ) and 15 USC 1692 ( e ). Fraudulent and inaccurate Information under false pretenses and False or misleading information by debt collector. Aggravated identity Under 18 USC 1018A is a crime which Experian and XXXX XXXX is wrongfully obtained and is using my identity that involves fraud and false, deceptive misleading representation in connection to collection of debt. Please delete this account immediately.

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 2025-09-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX XXXX XXXX, XXXX, XXXX. This CFPB complaint has been filed to request, pursuant to FRCA 605b ( 15 U.S.C. 1681c-2 ), that you, the XXXX  credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have attached a list of the hard inquiries in question, as well as a copy of the consumer 's FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appear on my consumer credit report, maintained by you was not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer card accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-09-03 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: FL

Complaint narrative:
Dear Sir or Madam, I am filing this complaint against XXXX XXXX XXXX regarding inaccurate and unresolved credit reporting. 

Creditor : XXXX XXXX XXXX Account Number : XXXX Vehicle : XXXX XXXXXXXX XXXX XXXX, XXXX XXXX I fully acknowledge that this account had late payments in the past. However, the account has since been paid in full and closed, and should no longer report as currently XXXX days late. Despite multiple disputes through the credit bureaus, this error has not been corrected. 

This is not simply an outdated reporting issue. XXXX underwriting systems are XXXX and read reports line by line. A tradeline showing current XXXX days late even on a closed, paid account automatically triggers negative decisions in automated systems such as XXXX XXXX and XXXX. This is no longer a matter of human review but a technical block caused by inaccurate data reporting. 

I am urgently requesting the CFPBs assistance in requiring XXXX XXXX XXXX to : XXXX. Correct the tradeline to accurately reflect the account as paid in full, closed, {$0.00} balance. 


XXXX. Remove the inaccurate current XXXX  days late status. 


XXXX. Ensure this correction is reported to all three credit bureaus. 



This error is directly harming my ability to qualify for a mortgage, and time is critical. Thank you for your immediate 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