vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-23 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: IL

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 theXXXX 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 2025-12-23 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-12-23 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:
I am disputing the accuracy of the following accounts listed under the charged-off section. The balances or account statuses appear to be incorrect. Please review and correct these entries. 

Charged Off Accounts : XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc.
State: CA

Complaint narrative:
I went on vacation and when I got back from vacation on XX/XX/year>, I checked my business bank account and noticed there was a huge charge from REMITLY INC on XX/XX/year> for {$13000.00} that I did not authorize. We have never used Remitly, we do not have an account with them and never heard of it and that amount was huge to us so we called our bank ASAP. They told us that this charge was made using our bank account number and routing number so we filled out a form for an ACH refund and placed a freeze on our account. We also called Remitly to ask them to refund us back since we did not authorize their business to take money from our account and to find out who was responsible for this transaction. After speaking with various people from Remitly they said they couldn't find the transaction and it was our responsibility to reach out to our bank and figure it out. I don't understand how someone is able to use Remilty to scam people so easily and why we small business owners are responsible when we never ever authorized Remilty to take money from our account. The charge from remitly XXXX XXXX : REMITTANCE IDN : XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: DE

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 2025-12-23 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 submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged Off Accounts : No charged off accounts listed for TransUnion. 

Inquiries : XXXXXXXX XXXX XXXXXXXX Date : XX/XX/year>

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 2025-12-23 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: GOLDMAN SACHS BANK USA
State: WI

Complaint narrative:
My Apple credit card was charged {$480.00}. The purchase was made through XXXX, which also will not help with any information since a dispute was filed, on XX/XX/year>. I have tried 4 times to dispute this with Apple since I had not consented to the transaction and it was fraud. The claim that I do not have enough evidence to support my claim. I had contacted them same day the purchase was made when I had noticed it come through on my phone. I spoke with a rep at Apple and they changed my card number and I thought it would be done. I had also let XXXX know originally that there was fraud and they suspended my account so nothing else could happen. Now XXXX  is saying they can not provide any information since I had filed a dispute with Apple and Apple is saying that they dont think I have enough evidence to support this. 

The same day as the XXXX  transaction, I had ordered a pair of sunglasses on XXXX XXXX  with the same card. I have heard of information potentially being able to be leaked through the platform but didnt think it would actually happen. Sadly, it did and I believe they used my information from there to go through XXXX. My Apple Card was also saved on that account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Synovus Bank
State: FL

Complaint narrative:
I am submitting this complaint regarding multiple credit card accounts being reported inaccurately and misleadingly on my consumer credit reports in violation of the Fair Credit Reporting Act ( 15 U.S.C 1681 ET SEQ. ) and the Florida Consumer Collection Practices Act ( Fla. Stat. 559.72 ) The Following Furnishers are reporting charge -off accounts while simultaneously reporting current past-due balances, and in some instances conflicting balances, which is internally inconsistent, inaccurate, and misleading

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This CFPB complaint has been f

iled to request pursuant to FCRA 605B ( 15. U. S. C. 1681c2 ) that you, the Experian
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 : XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$310.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$0.00} XXXX XXXX - Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XXXX, Balance : {$0.00}

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 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
this car ; oan has been paid off and title recived and TRUIST has failed to advse the credit bureaus that he loan is paid in full, TRUIST customer service has been NO ASSISTANCE at all, and does not comprehend what i am asking.

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 2025-12-23 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:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XXXX XX/XX/year> There is a significant usury malpractice with Chase credit cards. You can not pay extra on the principal balance. If you pay additional it is held in escrow only to be disbursed in monthly payments with no monthly billing dates until the escrow is disbursed. This extends my interest cost and extends the term. If I paid {$10000.00}, it surely will be loaned out paying no interest to me and only Chase profit. My current rate is 18.99 %. I am a military veteran, age XXXX and cant get a job. I save some of my social security for extra payments. 

This practice must affect millions of loan customers in many banks. I hope you will address this issue for the good of all unaware Americans.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: IL

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

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 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Someone is using my identity for credit card application. I got an email regarding hard inquiry and i called the bank. They said, all my personal info including my number and SSN and address is used to apply for credit card application. It was done from the Missouri state in XXXX XXXX. 

Please help me with identity protection.

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 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery Associates is reporting late payments on my account XXXX which was charged off. No documentation has been provided proving ownership of this account, to include the amount Portfolio Recovery paid XXXX XXXX for the right to collect on this account. No agreement has been made between Portfolio Recovery and myself to pay this account. I request all late payments be removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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:
RECENTLY I LOOKED INTO SOME WEBSITES THAT SEND EMAILS AND NOTIFY WHEN THINGS REPORT ON MY CREDIT AND I HAVE BEEN NOTHING BUT THANKFUL TO THEM. THEY HAVE GOTTEN ME TO BE MORE CAREFUL REGARDING MY PERSONAL INFORMATION AND THEY TELL ME EVERY SINGLE TIME MY INFO IS FOUND IN SOME STOLEN WEBSITES. I HAVE BEEN FOUND IN SOME OTHER SITE IN THE PAST AND EMAILS ALSO I RECEIVED REGARDING FRAUD INQUIRIES COMING FROM, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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 explained to XXXX that my father and I had the same name and provided the same information to XXXX, Equifax, and TransUnion. I've also asked them to remove all the negative items from my account and received no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: AZ

Complaint narrative:
I have no established ties to these accounts and request their removal within 15 days per USC 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: VA

Complaint narrative:
I am writing to dispute certain entries on my credit report, which I believe to be inaccurate and misleading. Below is a breakdown of the accounts that I am disputing across each bureau : Charged Off Accounts : XXXX XXXX - XXXXXXXX XXXX XXXX XXXX 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 2025-12-23 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:
Charged-Off Accounts in Dispute I dispute the following charged-off accounts as reported by TransUnion : XXXXXXXX XXXX Acct 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 XX/XX/XXXX I request TransUnion verify these accounts directly with the furnishers. Any unverifiable accounts should be removed or corrected.

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 2025-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
This complaint concerns unlawful debt collection and inaccurate credit reporting. I timely requested debt validation from the company under 12 CFR 1006.34 ( b ) ( 5 ). The company has not provided the required validation information, including itemization and verification of the debt. Despite failing to provide validation, the company recently furnished and/or updated a collection tradeline on my consumer credit report on or about XX/XX/year>. Reporting or continuing collection activity while a debt remains unvalidated violates the Fair Debt Collection Practices Act ( FDCPA ) and Regulation F. I have taken the following actions : Submitted a written request for debt validation Disputed the account with the credit reporting agencies Monitored my credit reports for compliance The company has taken the following actions : Failed to provide validation information required by law Reported and/or updated a collection account on my credit report while the debt remains unverified This conduct has caused inaccurate and misleading credit reporting and has resulted in ongoing harm to my credit profile. I am requesting that the company : Provide full debt validation as required under 12 CFR 1006.34 ( b ) ( 5 ) Cease all collection and reporting activity until validation is properly provided Correct or delete the collection tradeline from all consumer reporting agencies if validation can not be produced Provide written confirmation of compliance

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Winklevoss Exchange LLC
State: GA

Complaint narrative:
Gemini offers a {$75.00} referral XXXX  credit for new customers that you refer. I used an electronic link provided by Gemini to refer a new customer XXXX XXXX with phone number XXXX who successfully setup a new account with Gemini. They never paid me the {$75.00} XXXX  reward for the referral.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: CA

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

Company response to consumer: Closed with non-monetary relief