vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-07 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:
Under the FDCPA and FCRA, verification is not just a name matchit is a sworn affidavit or certified statement of truth. Per 15 U.S.C. 1681n, your continued reporting without proper verification is willful noncompliance.

I demand proof of delivery of the initial dunning letter within 14 days of placing this account on my credit report, including a certified mail tracking number. If you can not provide this, you must delete this tradeline immediately and cease all collection activity, including reporting. 

I never had an account with XXXX XXXX, and you are neither the original creditor nor a valid assignee. Debt buyers are not creditors under the law. 

This account is still within the federal debt validation window, per XXXX Failure to comply will result in further action to seek justice for the harm caused.

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 2025-08-07 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:
I am writing to dispute fraudulent information I have found on my credit report, pursuant to 15 U.S.C. 1681c-2, and to request that such information be blocked or removed immediately. I am enclosing a copy of my FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ) as evidence of my claim.

Pursuant to 15 U.S.C. 1681c-2, when a consumer files a report of identity theft, credit reporting agencies are required to block any information identified by the consumer as being the product of such theft within four ( 4 ) business days.

The following information on my credit report is the result of identity theft and must be frozen : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Pursuant to 15 U.S.C. 1681c-2, I respectfully request that this account be immediately frozen from my credit report. This freeze must remain in effect for a period of one year, after which I may request an extension. During this time, no information may be reported.

I have contacted EXPERIAN multiple times to report these accounts, but I have not received a clear or definitive solution to help me resolve this situation. This situation is severely impacting me, as I am trying to purchase a new home for my children and obtain financial tools to support my financial growth. Having these negative accounts on my credit report has blocked all my opportunities and is causing me personal and financial harm. These accounts have already been removed and were not verified by other credit bureaus, so I don't understand why this agency continues to claim these accounts belong to me.

I have requested copies of the contracts related to these accounts from the reporting company, and after more than 60 days, I have not received a response. I respectfully request that you help me by removing these accounts immediately.

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 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

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

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$6000.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$16000.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$6000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Gatestone & Co. International Inc.
State: KS

Complaint narrative:
Gatestone & Co. International Inc. a debt collector used the mail, to mail false unverified documents containing personal Identifying information for which they have no consent to have, and it is a crime to reproduce that information and use it in an unverified manner for gain of profit.

This would fall under the False Claims Act, where minimum fines start at : False Claims $ XXXX {$28000.00} False Statements $ XXXX {$28000.00} Anti-Kickback $ XXXX {$28000.00} in addition to Treble damages. 

It also falls under Identity Theft KS XXXX {$1000.00} fine for each use. 
Name : {$1000.00} x 2 = {$2000.00} Address : {$1000.00} x 2 = {$2000.00} Account Numbers {$1000.00} Unless you produce a signed consent form and a contract with a wet signature between XXXX XXXX  XXXX and XXXX XXXX and XXXX XXXX, within 10 days, then you are responsible for all the fee 's above totaling $ XXXX {$90000.00} plus my time to respond to your frivolous false claim of {$10000.00}. Damages of Treble {$30000.00} and is all documented now. Thank you I know Gatestone & Co. International Inc. can not produce these forms because I have asked XXXX XXXX to produce any of these forms, under Conditional Acceptance letters Certified Mailed to XXXX XXXX  XXXX and they can not produce them because they do not have them and now Gatestone has involved itself in the FALSE CLAIMS ACT, by not verifying and asking for these documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CL Holdings LLC
State: TX

Complaint narrative:
There is A lots of different things thats on my credit. That is not mine. Also I am XXXX XXXX person in XXXX XXXX There is A charge on my credit thats from XXXX XXXX. XXXX XXXX That was in my sons name. I only stayed there during my times of illness. It is almost {$10.00}. I cant remember the exact price. I think like {$9800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: CA

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 ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX  ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: NEW YORK COMMUNITY BANCORP INC
State: CT

Complaint narrative:
On XX/XX/year>, I was involved in a car accident that was severe. I submitted a request for forbearance, which was initially denied ; however, my appeal was accepted, and I subsequently entered into forbearance. The loan servicing company, XXXX, recorded my account as having missed payments during the forbearance period. Even after the completion of this period, the credit bureaus continue to reflect these missed payments inaccurately. The company XXXX has not provided the credit bureau with accurate information regarding my payment status.

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 2025-08-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: OH

Complaint narrative:
I took out the loan in XXXX with XXXX  and I dont have an issue with a reasonable payment. Before my XXXX payment, I changed the due to the XXXX of each month. XXXX 's payment of {$500.00} came out XX/XX/XXXX. I thought that was a high payment, but doable. I was told the payment would go down some each month. On XX/XX/XXXX, I checked the website and discovered that {$680.00} was about to be debited the next day. I immediately called them at XXXX and had an expedited message for a supervisor to call me. I wasn't prepared for that high payment the next day. I was getting prepared to pay them XXXX on the XXXX. I called them again on XX/XX/XXXX at XXXX, after XXXX was debited causing my account to be overdrawn. Again I asked to speak to a supervisor. I called again on XX/XX/XXXX at XXXX and again at XXXX. Somewhere in here I began reading reviews on XXXX. About XXXX reviews, mostly bad. This is when I discovered things such as money debited before the due date and astronomical statement fees, ( as well as many other bad practices ), and this would be computer generated statement fees! So I look at my statement on the XXXX  website and discover a statement fee of {$390.00}! What? That's more than my car payment! At this point I feel a bit of a scam happening! I also had auto pay turned off and told them to make my due date the XXXX of the month. Yesterday, XX/XX/XXXX, I checked to make sure that they could not automatically debit my account which has been turned off, but the due day still said the XXXX. I changed it to the XXXX myself! I called them at XXXX to ensure that auto debit was turned off. Also I still have not received a call from a supervisor! Apparently, they did send an email but I was not looking for an email and didn't see it. The representative tried to get a supervisor on the phone because I let her know I was gathering info for a class action law suit. Nobody was available, of course. I let her know that I want a phone call, not an email. My statement fee this month is {$380.00}, still more than my car payment. I plan to make a payment but I am not paying that high statement fee! As of today, XX/XX/XXXX at XXXX, I still have not received a phone call. Thank you for your consideration!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: NC

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-08-07 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:
These accounts are falsely associated with me and must be removed within 15 days in compliance with USC 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : Account Name : THE XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Hard Inquiries : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: NY

Complaint narrative:
I was involved in an accident In XXXX of XXXX. After coming to a stop for a school bus, Another vehicle hit me from the rear. My insurance adjuster declared my vehicle as totaled. The XXXXXXXX XXXX XXXX I was driving was taken by the insurance company and paid off the balance owed. In fact, I received a check for overpayment. recently after checking my credit report through Transunion i notice that the creditor had place a remark that my vehicle was 60 days in late payments which not true at all. Please investigate and remove this false statement from my credit report. 

Thank you.

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 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is a follow-up to my complaint filed on XX/XX/year>, regarding fraudulent and inaccurate accounts being reported by Experian. 

Experian responded by claiming they conducted a reinvestigation and verified the accuracy of the disputed accounts. However, they failed to provide specific documentation from the furnishers, nor did they address the material inconsistencies in the way these accounts are being reported across the three major credit bureaus ( proof attached in previous submissions ). 

Most importantly, more than 60 days have passed since my original dispute. 
According to FCRA 611 ( a ) ( 1 ) ( A ) : If the completeness or accuracy of any item of information contained in a consumers file is disputed by the consumer and the consumer notifies the agency directly, the agency shall conduct a reasonable reinvestigation within 30 days of receiving the notice.

Per the law, if Experian can not verify the information within the allowed timeframe, they are required to delete the item from my file. No valid documentation was provided, and the discrepancies remain unresolved.

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 2025-08-07 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: TX

Complaint narrative:
These items came in without prior notification and might be unsanctioned. Review the attached, please.

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 2025-08-07 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: NC

Complaint narrative:
Ive recently discovered several late payment notations on my credit report that are completely false, and I want to make it clear that I will not tolerate these inaccuracies being used to misjudge my financial character. These harmful entries are dragging down my credit score, affecting my access to opportunities, and putting unnecessary strain on my mental and emotional health. Some of these alleged late payments were in fact made on time, while others may stem from clerical mistakes or internal processing delays that were never communicated to me.

The Fair Credit Reporting Act requires that every piece of data on a consumer report be factually accurate and verifiable by original documentation. That means if these late payment entries can not be backed up with real, dated billing statements or signed agreements, they should not be reported at all. I am demanding that these entries be immediately corrected or removed, depending on what the documentation proves. If the credit reporting agencies or furnishers continue to ignore this matter, I will interpret that as a willful and deliberate violation of federal lawand respond accordingly. I deserve better, and I will fight until this is made right.

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 2025-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CHARLES SCHWAB CORPORATION, THE
State: IN

Complaint narrative:
I opened a checking account with XXXX after my XXXX  XXXX account was moved to their platform. XXXX closed my checking account on XX/XX/year>, with a remaining balance of {$520.00}. 

According to my official XXXX XXXX  statement, this money was withdrawn by the bank at the time of closure. However, I never received a check, ACH deposit, or payout of any kind. 

I have contacted XXXX multiple times and escalated to their support and client advocacy teams, and they have provided no answers or transaction trace. 

I am formally requesting the CFPB to investigate where my {$520.00} went, and to force XXXX to provide documentation and release of funds. This issue has been unresolved for over 7 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: NC

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: OPTUM BANK, INC.
State: NY

Complaint narrative:
The company Optum Financial ( specifically the branch that offers XXXX XXXX  ) sent a letter about a month ago stating that they were going to not accept certain credit cards ( XXXX ) and were going to start charging ridiculous fees to process XXXX cards ( {$20.00} simply to process the payment ). The only form of payment that wouldnt attract the {$20.00} processing fee was an ACH payment directly from a bank account. As you know such payments are not as protected under federal consumer law as credit card payments. Reluctantly I logged on about 2 to 3 weeks prior to the next payment and updated my recurring payment information to remove the credit card and permit the direct debiting of my checking account. On XX/XX/XXXX ( deadline for the payment ) I received an email telling me that my credit card was declined. I promptly went online and resubmitted the information to permit the direct debiting to make the payment and was charged a {$20.00} fee for the one time processing of my debit account. This can not be reasonably related to the costs the bank incorrect. Moreover, it wasnt my fault the payment didnt processOptums website apparently failed to capture the info I gave them directly debiting. I explained this to the bank but they basically told me too bad. The fee is unfair to begin with, unreasonable in relation to costs, and not my fault the website didnt capture the payment details. It is unfair to charge such large fees for payments other than direct debiting. And unfair to charge a one time processing fee for a direct debiting of {$20.00}.

Company response to consumer: Closed with explanation