vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
On XX/XX/year>, I tried to create an online account on the MyEquifax website. The system required a verification step, and I was subsequently sent a physical letter containing a PIN. 

When I received the letter and entered the provided PIN on the website, I received an error message instructing me to call the customer care team. 

On XX/XX/XXXX, I called and spoke with a representative named XXXX. He initiated a mobile document verification process, which required me to use my phone 's camera to scan the front and back of my driver 's license and take a photo of myself. After I completed this process, the representative informed me that the verification had failed. 

I asked for the specific reason why both the PIN verification and the mobile ID scan were unsuccessful. The representative was unable to provide any explanation, stating only that the system reported it as " failed. '' The only solution offered was for me to mail physical copies of my sensitive documents, including my driver 's license and Social Security card, to a XXXX XXXXXXXX. I stated that I was not comfortable sending this sensitive information through the mail, especially without a clear reason why two separate digital verification methods had already failed. This process seems insecure and unreasonable. 

Following the call, I also sent an email to Equifax customer care on the same date detailing this entire experience, and I have not received a response. I am currently locked out of my ability to create and access my online Equifax account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company
State: OH

Complaint narrative:
On XX/XX/year> at XXXX XXXX XXXX  I submitted and authorized my XX/XX/year> mortgage payment via Freedom Mortgages online portal. I received a confirmation email dated XX/XX/year>, proving receipt that day. Despite this, Freedom posted the payment as XX/XX/year> due to a XXXX XXXX  cutoff policy. 

Under 12 C.F.R. 1026.36 ( c ) ( 1 ) ( Regulation Z ), mortgage servicers must credit a payment as of the date of receipt, even if received on a weekend or holiday. Freedoms reliance on an internal cutoff policy conflicts with federal law. By miscrediting my payment, they reported me 30 days delinquent for XX/XX/year>, which is inaccurate. 

I also relied on guidance from a Freedom representative on XX/XX/year> ( XXXX XXXX XXXX  ), who told me to pay only the regular mortgage amount to remain current. 

This misapplication and misreporting has damaged my credit standing.

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 2025-09-29 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: LA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$810.00} XXXX XXXX - Account Number : XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-29 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: Experian Information Solutions 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 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 2025-09-29 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:
Dear Experian 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 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

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 2025-09-29 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: NJ

Complaint narrative:
I am writing to advise that I am a victim of trafficking. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$2300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$3200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$9900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1000.00}

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 2025-09-29 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: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally dispute an entry being reported on my credit report by XXXX XXXX. I recently reviewed my credit report and found that XXXX XXXX  is reporting a charged-off account under my name. I am requesting the CFPBs assistance in investigating and resolving this issue. 
Key Details : Creditor Name : XXXX XXXX  Type of Dispute : Charged-Off Account Account Number : Unknown not provided in credit report Amount : {$770.00} Issue : I do not have the account number for this charged-off debt being reported. 
I have not received a Form 1099-C or any notice of cancellation of debt income related to this charge-off.

I believe this account may have been reported inaccurately, and I request that it be investigated for accuracy and proper documentation. 
If XXXX XXXX  has indeed charged off this account and forgiven the debt, a 1099-C should have been issued. The absence of this form raises questions about the status and legality of the reporting. 
Requested Action : I request that XXXX XXXX  provide proper verification and documentation of this alleged debt, including : Full account number The original signed agreement or contract Dates of delinquency and charge-off Any 1099-C filing or tax reporting related to the debt If they can not verify or substantiate the validity and current status of this debt, I request that : This account be deleted from all credit bureaus reporting it. 
I receive written confirmation of the deletion or correction. 
This account is negatively affecting my credit profile and, without proper documentation or tax reporting, should not continue to be reported. 
I appreciate your assistance in reviewing this matter and facilitating a resolution. Please let me know if you need any additional documentation from 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 2025-09-29 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: Experian Information Solutions Inc.
State: FL

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 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 2025-09-29 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: AK

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor 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 explanation
Consumer complaint received 2025-09-29 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: CA

Complaint narrative:
I am filing this complaint against Chime because they withdrew funds from my account without my authorization. These funds were meant to pay my rent. I am a XXXX XXXX XXXX XXXX and my niece had sent me money to cover rent. Instead of allowing me to use these funds, Chime deducted money for repayment, fees, and a XXXX XXXX transfer that I never approved. 


Transaction Details ( XX/XX/year> at XXXX PM ) : MyPay Repayment : {$240.00} MyPay Instant Advance Fees : {$20.00} Transfer to XXXX XXXX XXXX {$49.00} These transactions were taken immediately when money was deposited into my account. 


Why This is Improper : I did not authorize these transactions.

Chimes XXXX XXXX program should only draw from direct deposit income, not when someone else pays me. 
The withdrawals took my rent money without notice or consent, leaving me financially vulnerable. 

Harm and Inconvenience : I am at risk of not being able to pay rent and facing housing insecurity. 
As a XXXX person living on XXXX XXXX  I can not afford to lose funds like this. 
This has caused serious emotional distress and financial hardship. 

I will also be filing a complaint with the FDIC regarding Chimes mishandling of my account, since this raises regulatory compliance issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: MI

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

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 2025-09-29 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 writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that trafficking. 
ACCOUNTS : 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 {$0.00} XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$1900.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$970.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$460.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$7300.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$1300.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$1700.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$5000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} INQUIRIES XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/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 2025-09-29 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: PA

Complaint narrative:
I checked my credit just last week and discovered that their was a XX/XX/XXXXXXXX BANK XXXX. Supposedly opened on XX/XX/year> and close don XX/XX/year>. This is now charged off and still on my credit. I dont know what this is and would like it deleted from EQUIFAX reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 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:
On XX/XX/year>2025 I sent a letter regarding inaccurate and unknown things on my credit report to this day over XX/XX/XXXX days later, I have not received a response yet. 
I feel like Im being taken advantage of and being ignored for my disputes. 
Section XXXX ( a ), it is plainly stated that a failure to investigate these items within XX/XX/XXXX days gives a reason to immediately remove those items from my credit report. It has beenXX/XX/XXXXdays so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and they have got into the hands of the wrong person.

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 2025-09-29 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: IL

Complaint narrative:
I have reviewed my credit report and found these unverified items. Please remove or block these items

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am writing to formally dispute the handling of my credit card payment ( {$240.00} ) made on XX/XX/XXXX 2025. The funds were withdrawn from my bank account on XX/XX/XXXX 2025, yet the payment was not credited to my Venmo Credit Card account until XX/XX/XXXX days later. 
Under the Credit CARD Act of XXXX and Regulation XX/XX/XXXX ( Truth in Lending Act ), card issuers are required to credit a payment as of the date it is received, provided it is made by the designated cutoff time. A delay of XX/XX/XXXX days is not consistent with these requirements. 

Because of the delayed posting, my credit report shows a late payment and less " available credit. '' I demand that you immediately correct this with all credit bureaus and provide written confirmation. In addition, I request financial compensation for the harm caused by this reporting error.

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 2025-09-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/year> To : Hunter Warfield XXXX XXXX XXXX XXXX XXXX, FL XXXX ________________________________________ Subject : Formal Dispute and Request for Investigation and Deletion of Unverifiable Information Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXXi To Whom It May Concern, I am writing to formally dispute and request an investigation into certain information contained within my credit report. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXXi, I am requesting that your office initiate an immediate reinvestigation into all accounts that are inaccurate, incomplete, outdated, or otherwise unverifiable. 
I am not required to identify each specific item in dispute under the law, and I am choosing not to do so. It is your legal duty as a consumer reporting agency to ensure that all information furnished in consumer reports is accurate and verifiable. If any account can not be fully verified with appropriate documentation from the data furnisher within XX/XX/XXXX days, you are required by law to promptly delete it from my credit file. 
Please ensure this investigation includes contacting the original creditors and any third-party debt collectors associated with the accounts appearing on my credit report. 

Please send me the results of your reinvestigation and an updated copy of my credit report showing any corrections or deletions made as a result of this process. 
Failure to comply with your obligations under the FCRA may result in complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the State Attorney Generals Office, as well as private legal action for willful noncompliance. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief