vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Dear TransUnion, I hope this letter finds you well. I am writing to dispute certain items on my credit report in accordance with the Fair Debt Collection Practices Act, specifically under sections 15 U.S. Code 1692 ( c ) and 15 U.S. Code 1692 ( g ).

I have reviewed my credit report and found the following Under 1692 ( c ), I am requesting that you cease reporting these items until you have verified their accuracy, as required by 1692 ( g ). I demand that you respond to this dispute within 72 hours and remove the referenced items from my credit report if they can not be verified.

Please provide me with written confirmation of the outcome of your investigation at your earliest convenience.

Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-09-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CA

Complaint narrative:
On XX/XX/year>, I submitted an electronic request to transition from a XXXX  repayment plan to an XXXX repayment plan. I was placed on an administrative forbearance while the request was processed. I later received a document dated XX/XX/year>. This document advised that my new monthly payment will be {$470.00} and commence XX/XX/year>. The document also identified the principal balances of my XXXX loans, {$78000.00}. However, the second document also dated XX/XX/year> also identified a new monthly payment of {$470.00} but instead of commencing XX/XX/year>, the payments would commence XX/XX/year>. The document also identified the same principal loan amount but unlike the first document, this document indicated that accrued interest ( capitalized and uncapitalized ) would be added to my loan balances, even though my account has been on an administrative forebearance since I last made payments and while my XXXX application was in review. To make matters more confusing, my account currently shows increased loan balances of {$79000.00}. Based on this, it appears interest has been added to my account even though I am current enrolled in PSLF and have been on an administrative forebearance throughout. To make matters more confusing, I received an additional letter dated XX/XX/year> with a change of payment from {$470.00} to {$720.00} due on XX/XX/year>. I am unclear as to why interest has been added and my payments changed and amount and dates.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-08 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: NC

Complaint narrative:
The attached accounts are shown as delinquent. That 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 explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Voluntary repossession
Company: Bridgecrest Acceptance Corporation
State: PA

Complaint narrative:
On XX/XX/XXXX, Bridgecrest initiated an unlawful repossession of my XXXX XXXX XXXX while I and my child were inside the vehicle. Their agent lifted the car into the air with us inside, endangering our safety. I submitted complaints to both Bridgecrest and XXXX in XX/XX/XXXX ( case IDs including XXXX ). Both were marked closed after the companies responded, but neither issue has been resolved. 
As of XX/XX/XXXX, XXXX  continues to report the Bridgecrest account inaccurately. The account reflects both a charge-off ( XXXX XXXX ) and a repossession ( XXXX XXXX ) on the same tradeline. This is duplicative and misleading. In addition, XXXX  and Bridgecrest continue to report a {$20000.00} balance without providing documentation of any post-repossession sale, deficiency calculation, or validation of the debt. 
I disputed the account directly with XXXX. They updated the account only to mark it as consumer disputes account, but no meaningful reinvestigation occurred. Bridgecrest has never provided documentation of the alleged deficiency or auction records. This is a violation of FCRA 611 and 623, as the account remains inaccurate and unverifiable after dispute. 
I am requesting : Deletion or suppression of this tradeline from XXXX  due to continued inaccurate reporting. 
Bridgecrests full validation of the alleged balance, including auction and deficiency records. 
Enforcement of the FCRA requirement for a reasonable investigation, rather than duplicate reporting that harms my credit profile. 
This account is scheduled to remain until XX/XX/XXXX, but the reporting is inaccurate and damaging. I ask CFPB to escalate this complaint and require correction or deletion. This account remains inaccurately reported as both charge-off and repossession, with a disputed deficiency balance not validated. Company failed to provide documentation or a meaningful investigation. This is a continuing violation of FCRA 611 and 623. Please escalate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: FL

Complaint narrative:
I am following up on my prior complaints regarding inaccurate and unverifiable items being reported on my credit file. Despite my earlier submissions, I have not received confirmation of action taken or any update regarding the status of my disputes. As a consumer, I am entitled under FCRA 611 ( a ), 15 U.S.C. 1681i ( a ), to a reasonable reinvestigation and resolution of disputed information. The continued presence of these items is causing ongoing harm to my credit profile and financial opportunities.The accounts and inquiries I am again disputing are as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$490.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 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: FL

Complaint narrative:
I am following up on my prior complaints regarding inaccurate and unverifiable items being reported on my credit file. Despite my earlier submissions, I have not received confirmation of action taken or any update regarding the status of my disputes. As a consumer, I am entitled under FCRA 611 ( a ), 15 U.S.C. 1681i ( a ), to a reasonable reinvestigation and resolution of disputed information. The continued presence of these items is causing ongoing harm to my credit profile and financial opportunities.The accounts and inquiries I am again disputing are as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$490.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-09-08 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: FL

Complaint narrative:
This letter is a follow-up to my earlier dispute concerning several accounts that remain inaccurately reported on my credit file. Despite my previous request, these entries continue to show errors or incomplete details, violating my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, XXXX XXXX XXXX XXXX XXXX XXXX is showing a reported balance of {$970000.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reported with a {$0.00} balance, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reflects {$2600.00}, and XXXX XXXX XXXX * XXXX XXXX XXXX is listed with {$1900.00}. These reports remain inconsistent and unreliable. Under FCRA 607 ( b ), you must ensure maximum possible accuracy; under FCRA 623 ( a ) ( 2 ), furnishers must correct and update inaccurate information ; and under FCRA 611 ( a ), you are required to conduct a reasonable reinvestigation upon notice of dispute. By continuing to report these items inaccurately, you are in violation of these statutory obligations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am writing to request assistance regarding a XXXX payment that I mistakenly sent to the wrong recipient. 

Transaction Details : image.png Date of Transaction : XXXX Amount : {$500.00} Recipient Name : XXXX XXXX Recipient Email/Phone ( used in XXXX ) : XXXX ( XXXX XXXX XXXX Unfortunately, the recipient has not responded to my attempts to contact them, and I fear the funds may not be returned voluntarily. Since this was an error, I kindly request that Chase investigate this transaction and assist in retrieving or reversing the funds if possible.

Please let me know if you require any additional information or documentation from my side to process this request.

Thank you for your prompt attention to this matter. 

Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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 am submitting this complaint to formally request the immediate blocking and deletion of fraudulent accounts appearing on my credit report, which were created using my personal information compromised in the XXXX  data breach. Despite submitting a detailed dispute letter to the credit bureauincluding proof of identity theft, a list of unauthorized accounts, and personal identifiersthey have failed to take appropriate action within the timeframe required by the Fair Credit Reporting Act ( FCRA ) 1681c-2 ( a ). These fraudulent accounts continue to harm my credit profile and violate my rights under federal law. I am asking the CFPB to investigate this matter and compel the bureau to permanently remove the disputed items, provide written confirmation of the actions taken, and ensure full compliance with the FCRA and other applicable consumer protection statutes. This issue poses an ongoing threat to my financial security and demands urgent resolution. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Account Name : XXXX XXXX, Account Number : XXXX, Account Name : XXXX XXXX, Account Number : XXXX, Account Name : XXXX XXXX, Account Number : XXXX, Account Name : XXXX, Account Number : XXXX, Account Name : XXXX XXXX XXXX, Account Number : XXXX, Account Name : XXXX XXXX, Account Number : XXXX, Account Name : XXXX XXXX, Account Number : XXXX, Account Name : XXXX  XXXX, Account Number : XXXX, Account Name : XXXX XXXX, Account Number : 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 2025-09-08 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: AL

Complaint narrative:
My information was compromised in the XX/XX/year> TransUnion 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 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Entrata Inc.
State: GA

Complaint narrative:
I recently applied for assistance with my rent through XXXX  XXXX, but they informed me there are discrepancies with my credit information. They mentioned that my data on TransUnion appears to have been compromised. As a XXXX XXXX facing financial challenges, I would greatly appreciate your help resolving this issue as soon as possible. I need the inaccuracies addressed and removed so that I can better manage my bills and improve my financial situation. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I've tried to contact this company and they have yet to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lockhart, Morris & Montgomery Inc.
State: VA

Complaint narrative:
I was with one of the XXXX XXXX called XXXX XXXX based on XXXX but they operate from XXXX. I was with them for the training and job placement. I got a job from them but i was removed from the job so i stop making a payment. I paid for XXXX  months but didnot made a payment for XXXX and they contacted the LockHart Morris and Mo debt collector to collect the debt. As i did not work further with XXXX XXXX  and not obligated to pay as the XXXX XXXX didnot provide the training which the debt collector is mentioning and if balance is left, i asked them to verify and they told me to dispute which i did but last week i saw a report in my credit. My first expectation is getting accurate payment information and work with me and they didnot provide any further information and just reported in the credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I was effected by the XX/XX/year> Data Breach at Transunion

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am submitting this formal complaint against TransUnion for unlawful reinsertion of a previously deleted fraudulent account into my credit file, in direct violation of the Fair Credit Reporting Act ( FCRA ). The account in XXXX XXXX  XXXX was previously removed following my identity theft dispute, for which I provided a valid FTC Identity Theft Report and supporting documentation. TransUnion has now reinserted this account without notifying me within XXXX business days and without obtaining the required certification from the furnisher, as mandated by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). This constitutes a clear violation of the FCRA and has caused me emotional distress, reputational harm, and unnecessary hardship. TransUnions actions reflect willful noncompliance with the law, entitling me to statutory damages under 15 U.S.C. 1681n ( a ) ( 1 ) ( A ), as well as punitive damages under 1681n ( a ) ( 2 ) for reckless disregard of my rights. I am demanding monetary compensation in the amount of {$1500.00} {$1000.00} in statutory damages and {$500.00} for emotional distress and reputational harm. I also reserve the right to pursue additional punitive damages as permitted by law. This complaint is supported by my formal dispute letter dated XX/XX/XXXX, which is attached and serves as legal notice of TransUnions violation and my demand for immediate corrective action. I am demanding the immediate and permanent deletion of all disputed accounts from my credit report and a complete, transparent record of the reinvestigation process, including the names of the entities that allegedly verified the account, the methods used, and all supporting documentation. I am also seeking monetary damages of {$1500.00} for the hardship caused by TransUnion 's negligence, including emotional distress and the time lost attempting to correct their errors. I do not consent to electronic communication and require that all correspondence be sent via USPS mail. Continued non-compliance will result in further legal action under FCRA 1681n and 1681o. I also reference In light of the XXXX CFPB enforcement action ( CFPB & FTC v. TransUnion ), in which your agency was fined {$23.00} million for systemic reporting failures, I hereby request that my dispute be handled with due diligence and in full compliance with federal law, as precedent for the seriousness of this complaint.

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 2025-09-08 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: AR

Complaint narrative:
I submitted a dispute regarding inaccurate information on my credit report under FCRA 611 ( 15 U.S.C. 1681i ). I provided supporting documentation proving the information was incorrect, yet the credit bureau failed to conduct a reasonable reinvestigation within the XXXX statutory period. Instead, the disputed information remains on my report without any meaningful changes or explanation. This is a direct violation of my right to a timely and thorough reinvestigation. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$500.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: NJ

Complaint narrative:
Tonight I was limited access to my online bank account. I can not login with my password and username. This has happened to me last month and a time before that. For some reason USbank will temporarily disable login access if I am logged into the app and try XXXX. No notification afterwards saying if my account was temporarily disabled login. If this was due to a security concern their should be away to verify if it is 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 2025-09-08 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: MI

Complaint narrative:
XXXX XXXX ( XXXX ) This account was previously closed and has already been removed from other credit bureau reports. However, it is still being reported on my Equifax file as of XX/XX/year>. The reporting is inconsistent across bureaus and should be corrected and removed to ensure accuracy. Please investigate and delete this account from my credit file. 



XXXX XXXX XXXX  ( XXXX ) This account is closed but still reporting on my Equifax file. The XXXX XXXXEquifax portal shows Dispute not available, which prevents me from exercising my right to dispute directly with the bureau. I am requesting that this account be properly investigated and corrected/removed as required under the FCRA. 



XXXX XXXX XXXX XXXX ( XXXX ) This account is closed but still reporting on my Equifax file. It also shows Dispute not available, which blocks me from disputing through the bureau. I am requesting a proper investigation into this accounts accuracy and removal from my file if it is no longer valid. 

I have attached supporting screenshots showing the accounts, their current status, and where dispute options are blocked. Please review and ensure these accounts are accurately reported or removed in compliance with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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:
This is a follow-up to my prior dispute because the same inaccurate and unlawful information remains on my credit file. I first noticed a closed XXXX XXXX account reporting late with a {$380.00} balance, which is misleading and unverifiable. I also found a {$12000.00} charge-off from XXXX XXXX XXXX XXXX no IRS Form 1099-C has ever been issued, its reporting is unlawful. Other charge-offs from XXXXXXXX XXXX XXXX XXXX XXXX XXXX appear obsolete and should have been removed under FCRA 605 ( a ). My report also shows fraudulent collections from XXXX, XXXX, and XXXX, which I have identified as identity theft. I submitted a theft report, yet they remain. Finally, there are unauthorized inquiries from XXXX XXXX XXXX ( XX/XX/XXXX ) and XXXX ( XX/XX/XXXX ) with no permissible purpose. These errors continue to harm me, and I demand a proper reinvestigation and deletion in compliance with the FCRA.

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