vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-15 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: NC

Complaint narrative:
TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  credit reporting agency, 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 XXXXXXXX XXXX XXXXXXXX NC XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$710.00}

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 non-monetary relief
Consumer complaint received 2025-06-15 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: LA

Complaint narrative:
I am submitting this formal complaint against the three major credit bureausExperian, TransUnion, and Equifaxas well as XXXX XXXX XXXX for violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Despite submitting multiple disputes concerning inaccurate or unverified information on my credit reports, these agencies continue to respond with a generic statement that the accounts in question have been verified. I believe this is a deceptive and unfair practice, as no documentation or explanation has been provided to substantiate this verification, in direct violation of my rights under FCRA and FDCPA. 

Specifically, I am disputing the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting the following under 15 U.S. Code 1681i ( FCRA ) and 15 U.S. Code 1692g ( FDCPA ) : A detailed method of verification used to confirm these accounts.

Copies of billing statements or receipts showing I was notified at least 21 days before the bill 's due date, as required under fair billing practices. 

If these can not be produced, I am requesting immediate deletion of these accounts from all credit bureaus. 

Additionally, regarding XXXX XXXX XXXX : I do not recognize this account, nor did I give consent for them to contact me. 

I have not received a court order authorizing them to collect any debt on my behalf. 

I am demanding full validation of the debt, including : A copy of the original signed agreement. 

A breakdown of the alleged debt. 

Their license to collect debt in the state of Louisiana.

If this information is not provided, the account must be deleted immediately.

Requested Remedies : Immediate deletion of all unverifiable and unauthorized accounts listed above. 

Monetary compensation for each violation committed by Experian, TransUnion, Equifax, and XXXX XXXX XXXX under the FCRA and FDCPA.

Assurance that these agencies and collectors will adhere to federal credit and debt collection laws going forward. 

I expect a prompt investigation into this matter and a resolution in accordance with federal laws. Please notify me upon receipt and provide updates on the status of this complaint. 

Sincerely, 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 2025-06-15 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: LA

Complaint narrative:
I am submitting this formal complaint against the three major credit bureausExperian, TransUnion, and Equifaxas well as XXXX XXXX XXXX for violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Despite submitting multiple disputes concerning inaccurate or unverified information on my credit reports, these agencies continue to respond with a generic statement that the accounts in question have been verified. I believe this is a deceptive and unfair practice, as no documentation or explanation has been provided to substantiate this verification, in direct violation of my rights under FCRA and FDCPA. 

Specifically, I am disputing the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting the following under 15 U.S. Code 1681i ( FCRA ) and 15 U.S. Code 1692g ( FDCPA ) : A detailed method of verification used to confirm these accounts.

Copies of billing statements or receipts showing I was notified at least 21 days before the bill 's due date, as required under fair billing practices. 

If these can not be produced, I am requesting immediate deletion of these accounts from all credit bureaus. 

Additionally, regarding XXXX XXXX XXXX : I do not recognize this account, nor did I give consent for them to contact me. 

I have not received a court order authorizing them to collect any debt on my behalf. 

I am demanding full validation of the debt, including : A copy of the original signed agreement. 

A breakdown of the alleged debt. 

Their license to collect debt in the state of Louisiana.

If this information is not provided, the account must be deleted immediately.

Requested Remedies : Immediate deletion of all unverifiable and unauthorized accounts listed above. 

Monetary compensation for each violation committed by Experian, TransUnion, Equifax, and XXXX XXXX XXXX under the FCRA and FDCPA.

Assurance that these agencies and collectors will adhere to federal credit and debt collection laws going forward. 

I expect a prompt investigation into this matter and a resolution in accordance with federal laws. Please notify me upon receipt and provide updates on the status of this complaint. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 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: FL

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 XXXX : [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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 CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX credit reporting agency, 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 CA XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXate Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$3300.00} XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$4000.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$3400.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$6400.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$2400.00} INQUIRIES : XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 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:
TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2025-06-15 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: GA

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

1681c-2 ) that you, the Experian credit reporting agency, 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 XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX ACCOUNTS : XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2400.00} XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3900.00} XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$9800.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/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 2025-06-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company
State: AR

Complaint narrative:
I am filing this complaint against Freedom Mortgage due to ongoing billing and escrow mismanagement. My original mortgage payment was {$1400.00}. Without clear explanation, it was later raised to {$1500.00}. According to a recent escrow analysis, my new monthly payment starting XX/XX/year>, should be {$1400.00} due to a minor escrow shortage of {$69.00}, which I agreed to spread over XXXX months. 

However, despite making an overpayment of {$1600.00} on XX/XX/XXXX, XXXX over the required amountmy account still shows a payment due of {$1500.00} and includes a late fee of {$380.00}. This is inaccurate, as I paid early and in full. Freedom Mortgage even waived a previous late charge but has not resolved the issue. My payment history and statements show no missed or late payments, yet their system has not updated to reflect the correct balance and adjusted escrow payment. 

I have repeatedly attempted to resolve this through their online portal, but the system continues to show outdated or incorrect information. This ongoing issue is causing me XXXX XXXX XXXX XXXX I am requesting that CFPB assist in having my account corrected, the late fee removed, my overpayment properly applied, and a written explanation provided.

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 2025-06-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
I want to appeal the suspension of my account. This was the only area from the app I could stay an appeal. Every other option did not work or was not available as stated. I did not violate any terms and have not been notified what was violated

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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: PA

Complaint narrative:
I discovered an unauthorized and inaccurate collection account on my credit report from TRANSUNION associated with XXXX XXXX XXXX, XXXX, account number XXXX. This account does not belong to me, and I have no knowledge of its origin. I formally disputed this account with the credit bureau, requesting verification and removal based on my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 623 ( 15 U.S.C. 1681s-2 ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Sections 809 ( 15 U.S.C. 1692g ) and 807 ( 15 U.S.C. 1692e ).

Despite my formal dispute and request for a thorough investigation, TRANSUNION, has continued to report this account without verifying its accuracy or providing me with documentation supporting its validity. This violates my rights under the FCRA, as credit bureaus are required to conduct a reasonable investigation and must not report inaccurate or unverifiable information. Notably, failure to comply with these requirements has been underscored by precedents such as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

This inaccurate information is damaging my credit score and affecting my financial standing. I believe that the credit bureaus failure to properly investigate and respond to my dispute is a direct violation of the FCRA, causing me unnecessary harm.

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 2025-06-15 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
My wife was called by the Card Company and asked if she made charges to her card at XXXX of {$100.00}, 3 times on the same date. She told them NO and asked them to turn off the card. 
We also found charges for {$81.00}, {$100.00}, {$76.00}, {$81.00}, and XXXX XXXX for {$240.00} the Card services asked her if she lost her card, she told them no she was looking at her card. She asked me if I had my card I told her Yes they said the will cancel the cards and issue new ones and reverse the charges. I then latter discovered the Card I had was are Chase travel card, and not the card in question The Chase Freedom card. My wife was then called by Chase and told they were putting all the charges back on the card due to her having her card? This makes no sense being, I do not know what happened to my card. The card is suppose to have 0 Fraud Liability.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mid-Atlantic Finance Co., Inc.
State: SC

Complaint narrative:
I request that Mid Atlantic Finance provide documented proof of a signed loan agreement between me and their company specifically. If they can not provide this, I am requesting that the account be permanently deleted from all credit reporting agencies in compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681b and 1681e ( b ) ).

Additionally, I never received a legally required repossession notice before the vehicle was taken. If Mid Atlantic Finance can not provide proof that proper repossession procedures and legal notifications were followed, including timely written notice, this further supports deletion of the account due to unfair and improper handling. 

If the account is to remain, all reporting must be accurate, verifiable, and consistent across all three major credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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: TX

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} INQUIRIES : XXXXXXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2025-06-15 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I sent the following letter - I am writing to formally dispute certain charges listed on my credit report, as they do not belong to me. I believe my personal information may have been compromised due to a data breach, resulting in fraudulent activity.

These accounts and charges were opened or incurred without my knowledge or consent. I am requesting that these items be investigated and removed from my credit report as soon as possible.

Please consider this a formal notice of identity theft. I have filed a report with the Federal Trade Commission ( FTC ) and am in the process of taking additional protective steps, including placing a fraud alert and credit freeze on my file.

Attached are copies of any relevant documentation supporting my claim. 

There are items that do not belong to me from 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 2025-06-15 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: BANCO POPULAR DE PUERTO RICO
State: TX

Complaint narrative:
I sent the following letter - I am writing to formally dispute certain charges listed on my credit report, as they do not belong to me. I believe my personal information may have been compromised due to a data breach, resulting in fraudulent activity.

These accounts and charges were opened or incurred without my knowledge or consent. I am requesting that these items be investigated and removed from my credit report as soon as possible.

Please consider this a formal notice of identity theft. I have filed a report with the Federal Trade Commission ( FTC ) and am in the process of taking additional protective steps, including placing a fraud alert and credit freeze on my file.

Attached are copies of any relevant documentation supporting my claim. 

There are items that do not belong to me from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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: TX

Complaint narrative:
I am a victim XXXX XXXX The information listed below, which appears on my credit report, is the result of that 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 XXXXXX/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 non-monetary relief