vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-16 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX  XXXX, Account # XXXXXXXX XXXX, has violated my rights. 

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 according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
Im trying to short sale my home to avoid foreclosure. They are saying they can not extend another request for mortgage assistance in the same billing cycle. The previous Shortsale was denied they stated the documents were not in on time this is false! The documents were in on time we were go in g back and forth with the net to lender the potential buyer has now agreed to raise their offer for the net lender requested so in this case the previous Shortsale sale short have not been denied they should have gave additional time for the buyer to submit a counter offer. This foreclosure would bring harm on me as I am 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 2025-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: U.S. BANCORP
State: FL

Complaint narrative:
I attempted to make a payment on my car loan and was unexpectedly notified that my account had been blocked due to recurring NSF ( non-sufficient funds ). I was never given any prior warning or notice that my account would be blocked or that I would no longer be able to use my debit card.

When I contacted U.S. Bank to resolve the issue and make a payment, I was told that I could not use my account for six months and that my only payment option would be through XXXX XXXX, which is inconvenient, costly, and not what I agreed to when opening my account. 

To make matters worse, customer service could not even locate my account in the system during multiple calls, preventing me from speaking to someone who could actually help. I now have only 3 days left to make a required car loan payment, and U.S. Banks mishandling is putting my credit at risk, despite my readiness and ability to pay. 

This action appears to have been taken without proper notice, and the refusal to provide alternative direct payment methods is causing financial harm. I am requesting assistance Reinstating basic access to my account and debit card to make my payment. Investigating the lack of due notice. Reviewing the fairness of a six-month restriction for an account I am actively trying to resolve.

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 2025-05-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: NC

Complaint narrative:
On XX/XX/scrub> 2025, my card information was compromised and transfers began to happen on my account without my consent. The person who took from me to close to {$4000.00} out of my chime, XXXX  and XXXX XXXX accounts, I have reached out to all XXXX credit institution. And they keep telling me that my dispute is denied because they don't see anything wrong with the transactions. Even though I explain to them that the person took my money and put it on the XXXX XXXX card to make it look like. I was the one doing a transfers to them. Send to purchase XXXX and use that to XXXX my wages. I even have a police report that I will also attach to this documentation as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: TX

Complaint narrative:
I am an active-duty XXXX XXXX XXXX XXXX Due to military-related responsibilities, including relocation and loss of access to my accounts, two late payments were reported by XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX. 
I filed formal disputes under the Fair Credit Reporting Act ( FCRA ) using both standard and escalated dispute methods. I also froze secondary bureaus ( XXXX, XXXX, XXXX, etc. ) to block unverifiable third-party validation. 
Despite this, XXXX verified the late payments without producing any documentation or explanation of their investigation, which violates FCRA Sections 607 and 611. 
I am requesting immediate deletion of these late payments due to insufficient investigation and the verified hardship caused by my military service.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am an active-duty XXXX XXXX XXXX XXXX Due to military-related responsibilities, including relocation and loss of access to my accounts, XXXX late payments were reported by XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX. 
I filed formal disputes under the Fair Credit Reporting Act ( FCRA ) using both standard and escalated dispute methods. I also froze secondary bureaus ( XXXX, XXXX, XXXX, etc. ) to block unverifiable third-party validation. 
Despite this, XXXX verified the late payments without producing any documentation or explanation of their investigation, which violates FCRA Sections 607 and 611. 
I am requesting immediate deletion of these late payments due to insufficient investigation and the verified hardship caused by my military service.

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 2025-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: AZ

Complaint narrative:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: FL

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission.

Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit.

Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when
my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-05-16 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: FL

Complaint narrative:
Under the FDCPA and FCRA, verification is not just a name matchit is a sworn affidavit or certified statement of truth. Per 15 U.S.C. 1681n, your continued reporting without proper verification is willful noncompliance. 

I demand proof of delivery of the initial dunning letter within 14 days of placing this account on my credit report, including a certified mail tracking number. If you can not provide this, you must delete this tradeline immediately and cease all collection activity, including reporting. 

I never had an account with XXXX XXXX, and you are neither the original creditor nor a valid assignee. Debt buyers are not creditors under the law. 

This account is still within the federal debt validation window, per XXXX. Failure to comply will result in further action to seek justice for the harm caused.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: CITIBANK, N.A.
State: SC

Complaint narrative:
I Filed a dispute on XXXX denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company XXXX. They alleged company of accepting unreliable information, failure to notify consumers dispute results. This aligns well with my situtaion. XXXX has not attempted to remove, nor correct any information. Im sure requesting this derogatory remark be removed or corrected immediately as its affecting my chances of getting any loan services. XXXX  violated my rights as a consumer, as well as federal laws.

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 2025-05-16 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: SC

Complaint narrative:
I Filed a dispute on Experian denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company experian. They alleged company of accepting unreliable information, failure to notify consumers dispute results. This aligns well with my situtaion. Experian has not attempted to remove, nor correct any information. Im sure requesting this derogatory remark be removed or corrected immediately as its affecting my chances of getting any loan services. Experian violated my rights as a consumer, as well as federal laws.

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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
This is a follow-up complaint regarding the inaccurate reporting of late payments for two accounts on my TransUnion, XXXX and XXXX credit reports. Specifically, the accounts in question are XXXX XXXX ( Account Number : XXXX ), reported as late on XX/XX/year> with a past due balance of {$0.00}, and XXXX  ( Account Number : XXXX ), reported as late on XX/XX/year>. Despite previous disputes, these entries continue to inaccurately reflect past due balances, which is misleading and harmful to my credit profile. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, the credit bureaus are required to maintain maximum possible accuracy in consumer credit reports. Allowing these accounts to remain inaccurately reported as past due, despite having XXXX balances, directly violates this obligation and undermines my rights as a consumer. This negligence not only misrepresents my financial reliability but also exposes me to unfair credit decisions and potential financial loss, as such inaccurate data can significantly impact my creditworthiness, leading to higher interest rates and less favorable financial terms. 

This ongoing failure to correct these inaccuracies, despite multiple attempts to resolve the issue, demonstrates a clear disregard for the accuracy and integrity of my credit information. The continued presence of these errors highlights a systemic issue in the data verification processes used by the bureaus, raising serious concerns about their compliance with federal regulations designed to protect consumers from such unfair practices.

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 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Hello I am writing to dispute this account from my credit here is the account, number XXXX XXXX XXXXXXXX I ask them to send me the full contract that i sign of the dept that they report on my credit and they fail to do so. also if you look on the account that they report on my credit everything is wrong and they lie and said that the account was accurate this company violat my rights an add fals report on my credit please remove it immediately thank you.

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 2025-05-17 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: NC

Complaint narrative:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I mistakenly sent XXXX XXXX XXXX XXXXXXXX XXXX, a token on the XXXX XXXX, to my XXXX-generated XXXX wallet XXXX. Although the funds show as successfully sent on the blockchain, XXXX  does not support XXXX and the transaction is now unrecoverable from my end. 

XXXX  support disconnected from multiple chats when I tried to ask about this or request assistance. I asked if it was possible to recover tokens mistakenly sent to a wallet they control, but no help was offered, and no escalation path was given.

Im requesting that XXXX  acknowledge the issue, confirm whether token recovery is possible, and provide a clear written policy on how they handle unsupported token deposits. 

As a customer, I had no visibility that this address would not support standard tokens on the XXXX XXXX, and XXXX  does not give users access to their own wallets or private keys. 

I would appreciate a response and any effort to help recover my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I am filling a complaint against Sychrony Bank ( Amazon XXXX XXXX ) regarding a {$28.00} interest charge that I believe was improperly applied. 

I initiated the payment of my full balance : {$1400.00} on XX/XX/year> but because of their processing time the payment was posted on XX/XX/year>. The payment was attempted to be paid before the due date of XX/XX/XXXX. Because of the processing time being XXXX hours, they waived the late fee of {$40.00} but did not dismiss the interest that was posted XX/XX/year>. An interest based on the amount paid off before the end of the billing cycle. 

I spoke with an agent who acknowledged the payment processing time, acknowledged the payment was attempted to be paid on or before the XXXX but refused to process the removal of the interest and when I called, I received the same agent who argued 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 monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SOFI TECHNOLOGIES, INC.
State: CO

Complaint narrative:
XXXX purchased my student loan from XXXX on XX/XX/year>. I've been making all my payments of {$180.00} a month, but my balance is {$23000.00} with Sofi, and my payments are not showing on my credit report. My score went down XXXX points. 

I called them three times to ask why my account balance and payments do not appear on my report, and they made some poor excuses. We have all the accounts transferred over, and they will report my account to the credit bureau, which is unacceptable. 

What if I want to go with another loan company, my credit report does not show I have an account with Sofi, and they are not giving me credit for my on-time payments. 

I have financed loans for decades, and when your loan is transferred to another company for refinancing, it shows up on the credit bureau quickly. When I called customer service, she said my late payment would show up, not my on-time payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CNG FINANCIAL CORPORATION
State: SC

Complaint narrative:
I Filed a dispute on XXXX  denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company XXXX They alleged company of accepting unreliable information, failure to notify consumers dispute results. This aligns well with my situtaion. XXXX has not attempted to remove, nor correct any information. Im sure requesting this derogatory remark be removed or corrected immediately as its affecting my chances of getting any loan services. XXXX  violated my rights as a consumer, as well as federal laws.

Company response to consumer: Closed with explanation