vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-18 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: FL

Complaint narrative:
Urgent Dispute Regarding Incorrect Credit Reporting on Student Loans I am writing to formally dispute an inaccurate report on my credit regarding my XXXX XXXX  with the Department of Education. I monitor my credit through XXXX XXXX weekly, and cross reference with my Equifax, XXXX and XXXX report. My accounts were consistently listed as on-time with terms met. However, I was recently shocked to find that a * * 90-day past due amount * * had been reported for * * four * * of my Department of Education loans , despite my payment history showing otherwise.

This reporting is entirely * * false and misleading * *, as there were no prior indications of late payments at * * 30 or 60 days * * only an abrupt 90-day delinquency. Such an error has caused significant damage to my credit score, affecting my financial standing and future opportunities. 

I depend on XXXX XXXX to keep me updated on my accounts, and this situation is both unacceptable, not just financially harmful, but life altering.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Urgent Dispute Regarding Incorrect Credit Reporting on XXXX XXXX I am writing to formally dispute an inaccurate report on my credit regarding my XXXX XXXX with the Department of Education. I monitor my credit through XXXX XXXX weekly, and cross reference with my XXXX  Experian and XXXX report. My accounts were consistently listed as on-time with terms met. However, I was recently shocked to find that a * * 90-day past due amount * * had been reported for * * four * * of my Department of Education loans , despite my payment history showing otherwise.

This reporting is entirely * * false and misleading * *, as there were no prior indications of late payments at * * 30 or 60 days * * only an abrupt 90-day delinquency. Such an error has caused significant damage to my credit score, affecting my financial standing and future opportunities. 

I depend on XXXX XXXX to keep me updated on my accounts, and this situation is both unacceptable, not just financially harmful, but life altering.

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 2025-05-18 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: TN

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 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, has violated my rights .

15 U.S.C. 1681 Section 602 A, states I have the rights to privacy.

15 U.S.C. 1681 Section 604 A section 2, states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( A ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions and crimes which antedates the report by 7 years.

15 U.S.C. 1681s-2 ( 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 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: TN

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 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, has violated my rights .

15 U.S.C. 1681 Section 602 A, states I have the rights to privacy.

15 U.S.C. 1681 Section 604 A section 2, states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( A ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions and crimes which antedates the report by 7 years.

15 U.S.C. 1681s-2 ( 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.

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 2025-05-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: GA

Complaint narrative:
I don't know if I'm eligible for this complaint, and it's alright if I'm not. I want to let someone know how Vanderbilt Mortgage Finance Inc. treated me, and I lost my home and land in XXXX. I went and picked out a mobile home from XXXX XXXX in XXXX, NC. In XXXX of XXXX, my girls and I purchased our first home. I bought some land in XXXX, and in XXXX, XXXX XXXX set up our house on our land, and we moved in. In XXXX, I missed a payment of {$710.00}. I think my payment was at the time, and I called Vanderbilt Mortgage customer service to try to work out a way to make my payment ( I got my Certified Nurse Assistants Licence in XXXX, and I was paid bi-weekly ) and be on time with the rest of my payments. 
The gentleman I spoke to asked, " If I can't make my {$710.00} for the month I was asking, how would I make my payment for the next month and the remaining months? '' I replied and let him know that I got paid bi-weekly, I could pay half the first week I was paid, and the rest the last week I was paid. He informed me that I would need to pay the whole balance. I asked if there was any way that I could refinance, and I was told I didn't have enough escrow. I asked him if I could speak to a manager/supervisor, and he told me he was the manager. I hung up the phone feeling defeated and hurt. I called back, thinking I would get someone else, and he answered my call again, and it was like he was taunting me. I never got a chance to talk to anyone else because he would answer the phone every time I called on different days. I was so upset that I told him that I would get the money and stay at my house. Needless to say, in XXXX, my house went into foreclosure. I couldn't get help from the social service ( food stamps ) because I made too much. I was in my XXXX back then, and I'm XXXX now. This experience, I'm still renting. I don't live in North Carolina anymore, but am still a renter. Thank you for listening.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am now formally requesting detailed proof of the previous investigation regarding the XXXX XXXX on my report. Specifically, I ask that you provide : The method of investigation used The names, business addresses, and phone numbers of any parties contacted Documentation relied upon to verify the reported late payments Proof that this account was actually late on the disputed dates If this information can not be provided within 15 days, I request that the account be corrected to reflect PAID/NEVER LATE and that a copy of my updated credit report be sent to me. 

Thank you for your prompt 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
Consumer complaint received 2025-05-18 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 submitting a batch of formal disputes. These disputes are being submitted to TransUnion in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681c2, 15 U.S. Code 1666b, 15 U.S. Code 1601, and 15 U.S. Code 1602 ( p ). The disputes pertain to items currently appearing on my credit report that are either the result of identity theft or inaccurate, incomplete, or misleading as defined under federal law.

Each dispute has been documented in its own detailed letter, including analysis of the reported account, specific legal references, and required action items. I am not requesting correction I am demanding deletion based on the governing statutes. 

Included in this submission you will find the following : - Individual dispute letters for each inaccurate or fraudulent tradeline - Supporting identity documentation ( e.g., ID, proof of address, FTC report ) I request that you confirm deletion of the disputed accounts within 5 business days. If you fail to act within the timeline prescribed by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: SC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 non-monetary relief
Consumer complaint received 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 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: OH

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 XXXXXXXX XXXX IN XXXX and XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I paid through PayPal. PayPal assures costumers that they protect buyers. Whenever I had problems buying online, PayPal never help. Sometimes my packages marked as delivered but they are not. USPS costumer service is always not helpful. They scanned " delivered '' without any proves. It means I will never get a refund if there is nothing in my mailbox nor in my mail room. They close cases without investigation, costumer losing money. Nobody cares.Costumer is unprotected. It happens with me several times. XXXX, XXXX, PayPal never refund if USPS theft or misplaced happens

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Business Factors
State: NV

Complaint narrative:
I have recently learned there is a debt collection on my credit report that is from a hospital visit where they never attempted to collect my insurance information ( I wasnt cognitive enough to give that information ) therefore never billed my insurance, I had no knowledge of them billing me until I saw it on my credit report so now they are claiming its to late to fix

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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 writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Chime Financial Inc
State: GA

Complaint narrative:
Today has been a hard day for me I have seen with chime for a few years and would always swear by how awesome Chime is. So I was extremely disappointed to find that I was charged multiple times by a merchant and never received to funds back in my account when the money was released by the merchant back to me upon calling chime and informing them some money was put back but after further investigation into my account I see where this was dome multiple times and the bank kept the money I have screen shots to show where chime altered my account statements wiping the over charged transactions completely out of my account I wanted to reach out before I contacted my lawyer and try and get to the bottom of this situation. The attached doesn't not have all transactions or bank statements that have been altered I know that this is deeply illegal and know that I am not the only one experiencing this type of tragedy I do expect this wrong to be right. 
Chime went back to my bank statements overnight and removed all the double charges from prior dates that I had already screenshot to call back about on today. I have the screenshot and time stamps and would like to forward more evidence if need be.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: CA

Complaint narrative:
I requested a re-investigation of the account # XXXX on XXXX XXXX, 2025. It is now XXXX XXXX 2025 and you had more than 30 days to complete this re-investigation. In accordance with the Fair credit act public law 91-506, title IV section 611 subsection A-D, i asked you to provide the names and business addresses of individuals with whom you contacted to verify this information is correct so I could follow up with them. I have not received this information and you have passed the thirty day limit to reach a conclusion of your investigation. I request that this account be removed immediately from my credit report. I did not submit any additional information so there was no reason for you to take more than the required thirty days. 15 usc 1681i... I did not send in any additional information, so you did not have the right to additional time.

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 2025-05-18 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: CITIBANK, N.A.
State: NE

Complaint narrative:
While under cease and desist order citibank sold my debit to a debt collection agency will out my permission! Therefore my debit no longer owed! I want these 2 debits removed from my credit reports immediately!! Now Citibank has add charge offs. To my credit reports. And still talking to everyone about my debit. XXXX XXXX Cedit Card Account ending in : XXXX! And XXXX XXXX Credit Card Account ending in : XXXX! Citibank will not go by the law. XXXX XXXX XXXX the last 4 of my SS #!

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 2025-05-18 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: LA

Complaint narrative:
XXXX and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX  and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX  and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: NY

Complaint narrative:
I am filing a formal complaint regarding an unauthorized transfer of {$5000.00} from my Chime Bank account to a XXXX account on XXXX XXXX XXXX. I did not authorize this transaction, and I believe it constitutes fraudulent activity that Chime Bank has failed to resolve adequately. I talked to a representative of Chime on XX/XX/XXXX the day of the transactions on phone and through their chat service but they said there was nothing they could do until the transaction was settled so I can file a dispute. I also told XXXX but they are requesting card numbers that I have never used, I cancelled my physical debit cards and froze my online cards and changed their numbers.

Company response to consumer: Closed with explanation