vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-10 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: NY

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

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 2025-09-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: APPLE FINANCIAL HOLDINGS, INC.
State: NY

Complaint narrative:
I visited apple Bank on XX/XX/year>XXXX  and couldn't get access to my cash.they told me to come back with an updated ID. I explained to them that I was in the XXXX  for a few years. I had to learn how to walk and talk again and I needed my currency for my rehabilitation. All the dmv 's are by appointment only. I showed them an expired ID by 1 and social security card and birth certificate and still nothing. My bills are piling up and I don't want to become Homeless.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XX/XX/year>, Chime issued me a refund from my XXXX XXXX account. As of XX/XX/year>, I still have not received these funds. I have contacted Chime multiple times. On their most recent reply, a representative stated that they are still waiting for an update and that my funds remain awaiting approval before being transferred to my checking account. 

This explanation is unacceptable because : The funds have been pending for nearly three months.

Chime has not provided a clear reason for the delay. 
No timeline or resolution has been offered. 

This prolonged withholding of my money has caused financial hardship. I am requesting that Chime immediately process my refund and deposit the funds into my account or reissue them without further delay. 



Ticket number XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/year>, I mailed Equifax a dispute letter regarding inaccurate and misleading information on my credit report. Specifically, I disputed the late payment notation on my XXXX  XXXX account and other reporting errors, and I enclosed copies of my government-issued ID, Social Security card , and proof of address to verify my identity Under the Fair Credit Reporting Act ( FCRA ), a consumer reporting agency must conduct a reasonable reinvestigation of disputed items and provide results within XXXX  days. To date, Equifax has not responded to my dispute or provided investigation results. This failure violates my rights under the FCRA. 

The inaccurate reporting continues to harm me by misrepresenting my payment history and lowering my creditworthiness. My XXXX  XXXX account is active with a consistent history of on-time payments, and the negative remark of a late payment is not accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: IA

Complaint narrative:
I am disputing a charge of {$370.00} from XXXX that appeared on my Discover card statement. I do not believe this charge is valid. 

I filed a dispute with Discover and provided documentation to support my claim. Discover reviewed the information and closed the dispute, saying the documents were either already considered or insufficient. They have reposted the charge to my account and told me the matter is resolved. 

I believe this dispute was not handled fairly. I have no additional documentation beyond what I already submitted, but I maintain that this charge should not be my responsibility. I am requesting that Discover re-investigate this charge and provide a full explanation or reversal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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 a victim of identity theft. I recently discovered that I was listed as part of the Transunion data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in XXXX business days.

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 2025-09-10 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: NJ

Complaint narrative:
NO LAWFUL REINVESTIGATION SECOND VIOLATION If this account is not deleted, I reserve my right to pursue damages under FCRA 616617. 

I disputed the reporting of a XXXX XXXXXXXX XXXX XXXX XXXXccount with Experian. On XX/XX/year>, Experian marked the account as verified, no change. This is inaccurate and misleading because the account is reported very differently across Experian, XXXX, and XXXX. There are major inconsistencies in payment history, balance reporting, closed dates, and derogatory events. 
Experian failed to provide a proper reinvestigation or Method of Verification, as required by law. These errors are harming my credit score and misrepresenting my creditworthiness. I have attached exhibits showing XXXX specific errors, along with XXXX update email.

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 2025-09-10 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 2025-09-10 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions XXXX regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions XXXX continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-09-10 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: TN

Complaint narrative:
I am filing a complaint against TransUnion for violations of the Fair Credit Reporting Act ( FCRA ) related to failure to maintain accurate reporting, and failure to properly protect my personal information after a confirmed data breach. 

On XX/XX/2025, I received an official notice from TransUnion confirming that my Social Security Number and Date of Birth were compromised in a cyber incident ( breach notice attached ). This increases the risk of identity-related inaccuracies on my credit file. Despite this, TransUnion has continued to mishandle my consumer report. 



XXXX. Not Deleting Account ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, {$2300.00} ) This collection was previously deleted from my XXXX  report XX/XX/2025. 
TransUnion is continuing to report this account despite my certified dispute and the collectors failure to validate under FDCPA XXXX ( b ). 

XXXX. XXXX XXXX XXXX  XXXX XXXX Charged-Off Account ( Acct ending in XXXX ) The XXXX account is coded as charged-off/closed but continues to show an active Past Due balance of {$2700.00}. 

XXXX XXXX reporting standards require that closed charge-offs be reported with a Past Due amount of {$0.00}.

My direct dispute under FCRA 623 ( a ) ( 8 ) and disputes to all three bureaus were ignored, leaving the inaccurate tradeline intact. 

XXXX. Failure to Safeguard Consumer Information The TransUnion data breach notice dated XX/XX/2025 confirms that my SSN and DOB were exposed. 

Continuing to report disputed and unverifiable accounts after admitting to a data breach shows a failure to reasonably ensure the accuracy and integrity of my consumer file, in violation of FCRA 607 ( b ).

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 2025-09-10 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: MI

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

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 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
On XX/XX/XXXX, I purchased a used XXXX XXXX XXXXXXXX XXXX  ( XXXX miles ) from XXXX, a subsidiary of XXXX XXXX in XXXXXXXX XXXX, and financed the vehicle through XXXX XXXX. 

The retail installment sales contract shows : Vehicle price : {$26000.00} Down payment : {$15000.00} Add-on charge : {$4000.00} for a XXXX XXXX XXXX and XXXX  Insurance bundle. 

I was told this {$4000.00} charge guaranteed I had XXXX  coverage in the event the car was totaled. 

In XX/XX/XXXX, the car was involved in an accident and declared a total loss. At that point, the remaining loan balance should have been resolved through the XXXX coverage I had been charged for. 

Instead, XXXX XXXX continued billing me on the deficiency balance. I continued making payments through XXXX, including a lump-sum payment, until XXXX ultimately XXXX a charge-off against me for the unpaid balance. 

When I contacted XXXX XXXX, they confirmed they have no record of me, my XXXX, or any contract under my name. This proves that the {$4000.00} charge was fraudulentI was charged for XXXX and warranty coverage that never existed. 

This situation demonstrates : XXXX. Dealer fraud by XXXX XXXX  : They misrepresented and sold me a nonexistent XXXX/warranty product. 
XXXX. Negligence by XXXX XXXX : They financed this fraudulent {$4000.00} charge without verifying that the coverage existed. 
XXXX. As a direct result, I was left responsible for a deficiency balance that XXXX coverage should have resolved. 
XXXX. XXXX then reported a charge-off to the credit bureaus, causing severe credit damage. 

I have suffered the following harm : Loss of {$4000.00} for a product that never existed. 
Loss of my {$15000.00} down payment into a fraudulent contract. 
Ongoing credit damage from a false charge-off that never should have occurred. 

I acted in good faith by making a large down payment and continuing to make payments after the accident, fully relying on the XXXX coverage that was supposed to protect me. Instead, I was misled by the dealer, and XXXX failure to conduct due diligence allowed this fraud to pass through to me as the consumer. 

This is a clear case of fraudulent misrepresentation and negligence, and it has caused me significant financial and credit harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
My credit card bill was paid in full a long time ago and my account was closed. I want to reopen my credit card account so that I can begin building my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: CA

Complaint narrative:
XXXX account is showing on my Credit report and it is NOT my account nor is my social security on it. Impacting a interest rate needs to be deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is an XXXX  account that I NEVER XXXX  have called and spoke to ALL XXXX  Bureaus and ALL stated my Name not on Account so they cant help 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 2025-09-10 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: CA

Complaint narrative:
XXXX account is showing on my Credit report and it is NOT my account nor is my social security on it. Impacting a interest rate needs to be deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is an XXXX  account that I NEVER had\n\nI have called and spoke to ALL XXXX  Bureaus and ALL stated my Name not on Account so they cant help 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 2025-09-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Northstar Location Services, LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, pa XXXX XX/XX/year> XXXX XXXX XXXX XXXX ( For XXXX XXXX XXXXXXXX ) Northstar Location Services, XXXX XXXX XXXXXXXX XXXX XXXX Re : Account No. [ XXXX ] Formal Dispute and Cease Harassment To Whom It May Concern, I am formally disputing the validity of the alleged debt referenced above. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., you are hereby notified of the following : Harassment Prohibited 15 U.S.C. 1692dYour repeated calls, threats, or other conduct designed to annoy, abuse, or harass me violate 1692d. This includes, but is not limited to, excessive phone calls, hostile tone, and any suggestion of legal action that you are not both authorized and intending to pursue. Let me be clear : such conduct is unlawful and will not be tolerated. 
Validation Required 15 U.S.C. 1692g ( b ) Until you provide proper verification of the alleged debt including the original creditors name, itemized accounting, and legal proof that you have the right to collect you must immediately cease all collection efforts. 
Cease Harassment & ContactI demand that you stop contacting me by phone entirely. Any further communication must be in writing only, sent to the mailing address listed above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Service Bureau, Inc.
State: FL

Complaint narrative:
I am writing to formally dispute the accuracy and validity of the accounts reported by XXXX XXXX XXXX, listed as : Account XXXX XXXXXXXX {$260.00} Account XXXX XXXXXXXX {$410.00} These accounts are allegedly connected to services from XXXXXXXX XXXX 

I do not recognize these debts and hereby dispute their validity. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I am requesting that you provide proper validation of both accounts. Until you do so, you must cease all collection activity, including reporting or verifying these accounts with any credit reporting agencies. 

To comply with federal law, please provide ALL of the following for each account : The name and address of the original creditor. 
A copy of the signed contract or agreement bearing my signature that allegedly created this obligation. 
A full itemized statement of charges and payments to show how the balance was calculated. 
Proof that XXXX XXXX XXXX is legally authorized to collect on behalf of the alleged creditor. 
Documentation that verifies the account is accurate and truly belongs to me. 

Be advised that under the FDCPA, you may not pursue collection or report these accounts as valid until full validation is provided. If the alleged debt cant be validated or verified, then you must immediately cease collection and delete any reports furnished to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My ( Equifax ) credit report information has disappeared from my credit file. This is inaccurate and incomplete reporting, which prevents me from having a full and fair credit profile. I am entitled under the Fair Credit Reporting Act ( FCRA ) to have access to accurate and complete credit information from all XXXX  major credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: GA

Complaint narrative:
These accounts are being reported under my name without my authorization or knowledge. I have never opened, managed, or approved these accounts. This is unacceptable, as it creates inaccurate and misleading information about my financial history. I take my credit profile extremely seriously, and the presence of these unauthorized accounts is highly concerning.

Company response to consumer: Closed with non-monetary relief