vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
To whom it may concern : These negative items in my credit profile can't be true! They must have been misplace or inaccurate. I'm disputing these claims and demanding that any info about me being less than perfect just disappear from now on!! ! The claims that this information in my report is negative, untrue or incorrect are unsubstantiated. To date I have not received any physical proof to back up these allegations Your report contains several deviations from mandatory reporting standards. As such, the data in your documents can not be accurate and complete! I hereby challenge you to provide proof that it is right for you make these allegations about meDocument that you have complied with the reporting requirements, and report without any deviations. 
Per 15 U.S.C 1681e 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 relatesAlso per 12 CFR Part 1022 ( Regulation V ) requires furnishers to : A - Furnish information about accounts or other relationships with a consumer that has integrity. B - Furnish information about accounts or other relationships with a consumer that is accurate. C - Conduct reasonable investigations of consumer disputesIt is crucial to remember that any mistakes in reporting can make the information less accurate. This has significant implications for both federally regulated reports and Metro 2 compliance standards, as CRRG states Any deviations from these standards jeopardize data integrity. " With that said, I found some mistakes and inaccuracies in your report. This is why you need to investigate the validity of these inaccurate items so they can be replaced with more accurate ones or delete them altogetherYou have a duty to ensure that my rights are being protected, and if you continue reporting claims which are not perfect then it shows carelessness. I don't think it's fair for you to report on me in a way that is unethical and doesnt meet the standards of certified reporting.The following claims about me were not reported correctly and do not meet federal requirements. I am challenging these claims and asking for proof that the proper reporting standards were followed. 
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX acct # : XXXX XXXX XXXX XXXX XXXX acct # : XXXX XXXX XXXX XXXX acct # : XXXX XXXX XXXX XXXX acct # : XXXXXXXX XXXX XXXX, XXXX acct # : 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 2025-09-30 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center. 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. 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 2025-09-30 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: NY

Complaint narrative:
I did not authorize or provide any consent for these companies to access my credit report, and I believe that this Negative Account XXXX Account Number XXXX and these inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and these addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX are the result of identity theft or fraudulent activity and are incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: LAKEVIEW LOAN SERVICING, LLC
State: RI

Complaint narrative:
During the pandemic my husband had loss of income so we went through the deferral program with our mortgage company. Our loan combat is Lakeview Mortgage/LoanCare. 

We deferred XXXX payments. We were told this would roll into the end of the loan. This was in XX/XX/year>. 

We recently tried to apply for a home equity line of credit and we are being denied because the mortgage company decided to make this a balloon payment and not roll this into our loan at the end as they promised. No where in our document/deferral agreement does it indicate that this would happen and that they would also place a 2nd lien on the house. 

They are now trying to take advantage of us by forcing us into a re-finance, and it would be at a significantly higher rate of interest.

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 2025-09-30 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: CA

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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: NY

Complaint narrative:
I am filing this complaint against Equifax regarding an unauthorized tradeline : XXXX XXXX XXXX XXXX XXXX, account ending in XXXX. This account does not belong to me, I never authorized it, and I do not recognize it. 

Equifax is violating 15 U.S.C. 1681e ( b ) by reporting inaccurate information and 1681i ( a ) by failing to conduct a reasonable reinvestigation. In Younger v. Equifax ( 11th Cir. XXXX ), the court held Equifax liable for failing to ensure accuracy in disputed accounts. In Huff v. Equifax ( E.D. Pa. XXXX ), the court confirmed Equifaxs responsibility for unreasonable reinvestigations. These cases show Equifax is accountable for the same violations here.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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: MD

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-09-30 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: DISCOVER BANK
State: TX

Complaint narrative:
-- - Submit to : CFPB Consumer Complaint Portal Your Information : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, TX XXXX Email : XXXX Phone : XXXX Company : Discover Bank / Discover Financial Services Account : Ending XXXX Type of Complaint : Credit Reporting / Identity Theft / Failure to Block Inaccurate Reporting -- - Complaint Narrative : On XX/XX/year> at XXXXXXXX XXXX  XXXX, I spoke with a representative from Discovers Executive Office regarding a disputed account ending XXXX. During the call : 1. Discover admitted the account was valid solely because a payment was made, but also admitted they could not verify my mothers maiden name, confirming that the account identifiers were compromised. 


XXXX. Despite my prior submissions including a sworn Identity Theft Affidavit and an FTC Identity Theft Report ( # XXXX ) Discover has failed to block or correct the fraudulent/inaccurate reporting. 


3. This constitutes repeated violations of the Fair Credit Reporting Act ( FCRA ) : 605B ( 15 U.S.C. 1681c-2 ) : Failure to block fraudulent/identity theft information within 4 business days of proper documentation.

623 ( 15 U.S.C. 1681s-2 ) : Continuing to furnish information after knowing it is inaccurate and failing to properly verify identifiers. 




Additionally, I have documented XXXX active CFPB complaints against Discover and all relevant credit reporting agencies, reflecting a clear pattern of non-compliance. 

Discovers continued reporting of this compromised account is causing credit reporting inaccuracies, harm to my credit profile, and undue stress. I am requesting the CFPB investigate this matter and compel Discover to : 1. Immediately block all inaccurate/fraudulent reporting related to the account.

2. Confirm in writing that all reporting has been corrected.

3. Take all necessary steps to ensure compliance with FCRA 605B and 623.

Attached are supporting documents : Identity Theft Affidavit FTC Report Screenshot ( # XXXX ) CFPB Complaint Screenshot ( XXXX open complaints ) Exhibit C Discover Admission Call ( XX/XX/year> @ XXXX XXXX XXXX ) This complaint seeks enforcement action against Discover for failing to fulfill legal obligations, repeated non-compliance, and mishandling of identity theft reporting. 

Sincerely, XXXX XXXX XXXX --

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Synovus Bank
State: VA

Complaint narrative:
Good evening. I would like to dispute/file a complaint against First Latitude secured credit card. They not only took {$200.00} out of my XXXX XXXX account on XXXX XXXX, but they also took {$200.00} out of my XXXX XXXX account on XXXX XXXX. I was advised that I would receive a refund within XXXX to XXXX hours. I did not receive that refund to my XXXX XXXX account. In fact, they told me that XXXX XXXX denied the refund to my card, so they were going to send me a check. They told me the check would take 3 to 5 days. Now I'm being told it would take 30 to 60 days. For my XXXX XXXX payment, they told me that it would go back immediately because I did not complete the application because I had to wait a certain time frame to reapply. Being that the application was never completed they should have never drafted my account. I was told that it was voided. And then it changed to 24 to 48 hours. And now they're telling me that it would take 30 to 60 days to get my money back. Also, I have XXXX  reviews in regards to First Latitude. And all the reviews said that it's a scam and that they don't refund deposits or they don't refund any of your money. I originally tried to apply for a First Latitude card to try to build my credit. I was advised to do this by someone who was helping me fix my credit. But ultimately, I withdrew my application because they were asking for me to mail them a copy of my Social Security card and I was not comfortable providing that information especially since there is no credit check. They were supposed to refund me and I am still waiting. I requested an email stating a refund was sent but the representative told me they could not provide that to me. I have tried to dispute with XXXX XXXX  as well with no resolution because they don't understand.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-30 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: AZ

Complaint narrative:
I am formally disputing the reporting of an unauthorized hard inquiry appearing on my Experian credit file. This inquiry is fraudulent, unauthorized, and violates my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b and 1681i.

Under the FCRA, a consumer reporting agency may only furnish a consumer report to entities with a permissible purpose and with the consumers direct consent. I did not authorize, apply for credit with, or grant any permission for the listed company to access my credit file. Because no permissible purpose exists, this inquiry is inaccurate and unlawfully reported.

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 2025-09-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
I am making a complaint with OneMain Financial because I took out a loan with them in XXXX of 2022 for {$9200.00} and have made payments to them for XXXX years. The payment we agreed upon was {$260.00} for 5 years. We have paid them almost every month & we still owe them almost {$8000.00}. Explain that? These payments were made online. So I started researching and looking at the statements and found that 90 % of my payments were going to interest. Less than {$5.00} of almost every payment ( out of {$260.00} ) was going towards the principal. Just this year, I've noticed that the principal payments are fluctuating at different higher amounts. It's like they apply to the principal whatever feels good at the time. 

I would like them to be investigated & they correct our account so that the proper amounts are actually going towards principal and interest because I feel like they are somehow legally robbing me and its beginning to feel as if they are predatory lenders. I hope that this can be resolved for thousands of consumers. 

When I called OneMain about this and asked for an Amortization schedule so I could see what they are supposed to be applying towards principal and interest every month ; they refused to send me one and told me that the ONLY way to make payments towards the principal is to call them & tell them over the phone that I would like the payments to be made toward the principal. I find this out NOW after paying them over {$7500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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 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 TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-09-30 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: IL

Complaint narrative:
I checked my recent credit report and noticed multiple accounts that do not belong to me reporting fraudulent under my name. Im request immediate delete of these accounts

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 2025-09-30 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-09-30 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: OK

Complaint narrative:
Im beyond frustrated with the continued presence of false, damaging information on my Equifax credit report. These aren't minor oversights or accidental typosthey are substantial and harmful misrepresentations that continue to sabotage my financial progress and personal stability. Ive gone through the formal dispute process in good faith, hoping the issues would be corrected responsibly, only to be met with silence and negligence. The failure to properly investigate and resolve these errors has left me feeling ignored, disrespected, and financially punished for mistakes I did not make. As a consumer, I have a legal right under the Fair Credit Reporting Act to a credit file that is completely accurate and substantiated by real, verifiable documentation. It is not my job to chase down proofIve done my part. 
If Equifax can not produce direct and unquestionable evidence to support the continued reporting of these entries, then it is obligated by federal law to delete them immediately. This isnt a requestits a demand for compliance. If you continue to ignore my concerns, I will treat this as a willful violation of my rights and take further action to hold you accountable. My creditworthiness is not something I take lightly, and you should not either.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I filed a dispute on XX/XX/year> with an American Express credit card for 2 charges from a moving company ( XX/XX/year> {$2100.00} which was the initial deposit and XX/XX/year> for {$1200.00} a second deposit pre move date.. 

The reason for my dispute is that a moving company called XXXX XXXX refuse to refund my credit card. 
I called and scheduled moving services to move my furniture from XXXX  to XXXX  scheduled on XX/XX/year>. 
It is my understanding that this company is currently under investigation by the State of XXXX  and I can understand why. 

This is a classic case of bait and switch where the day before the move I was asked to provide a complete list of all items to be moved along with photos, which I provided and based on this information I was provided an updated quote the day before the move which I agreed to and accepted. 

The amount quoted and agreed upon was {$6800.00} however, when the movers finally arrived at XXXX where they were scheduled for XXXX XXXX, they looked at the items and wanted to charge me an additional XXXX for a total of over {$12000.00}, At this time i attempted to contact XXXX several times within a XXXX minute period and no one answered nor called me back. 
I was beyond upset as clearly these people are attempting to take advantage of a single woman at XXXX XXXX  figuring that I would agree to anything to get my things from XXXX  to XXXX. I told these crooks to get off of my property before I call the Police and file a report, Now I am faced with this company XXXX XXXX refusing to refund my deposit and when I filed a dispute with my credit card they stated that I never cancelled the services with XXXX. 
I had no reason to cancel prior to the move date as I had accepted the initial quote the day prior to the scheduled move. I am now out {$3400.00} plus I had to rent a XXXX  and pay people to load all and drive the truck to XXXX  myself and almost killed myself in the process. 
Please help me in this matter as I was directed to your department for assistance. 
I have also filed a complaint with the XXXX  Attorney General 's office.

Company response to consumer: Closed with explanation