vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of XXXX Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
The inclusion of this late payment is incorrect, as I have always paid on time. I kindly ask for its immediate removal and for my account to be properly updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NY

Complaint narrative:
I am trying to obtain clear information related to my student loans. I need clear confirmation on the below : XXXX. Interest rate reduction if enrolled in auto pay. I have been enrolled in auto pay for the past XXXX months, however I don't believe I am receiving the interest rate reduction, even though I meet all eligibility criteria. I have reached out to Mohela customer service through the portal about this, but have not received a clear response ( either details on how I can confirm I'm receiving it or a clear explanation if I'm not, in fact eligible. ) XXXX. I am working to Public Student Loan Forgiveness. I see in my XXXX XXXX account that certain payments made between XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  were marked as ineligible due to forbearance. I want a clear explanation as to why those payments are not eligible due to forbearance when payments in XXXX and XX/XX/year> were eligible. ( I believe I was still in a SAVE-related forbearance during those months ). I also have tried to get confirmation that the specific forbearance I was placed in is eligible for the buy back program. XXXX XXXX  has told me that I need to reach out to my service to confirm this, but Mohela, my servicer has told me that I need to reach out to Federal XXXX XXXX. I can not seem to get a clear answer that individuals sound sure not. This is very important, as if those XXXX months are not in fact eligible via the buy back program, that will affect my decision to continue pursuing PSLF.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am submitting this complaint to dispute several inaccurate and incomplete items on my credit report across the XXXX major credit bureaus : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and TransUnion ( XXXX ). Below are the details of the accounts in dispute, which I believe are not reported accurately according to the Fair Credit Reporting Act ( FCRA ). 

CHARGED OFF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$13000.00} Inquiries XXXX XXXX XXXX XXXX XXXX No inquiries to dispute at this time. 

XXXX XXXX XXXX XXXX : No inquiries to dispute at this time. 

TransUnion XXXX XXXX XXXX  : No inquiries to dispute at this time.

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 2025-12-15 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: 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 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 ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency. 
FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information. 
TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period. 
Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

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 2025-12-15 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: NJ

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, XXXX XXXX XXXX  credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-12-15 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: AZ

Complaint narrative:
I am formally withdrawing the dispute I previously submitted regarding this account. After reviewing my submission, I realized that I provided incorrect information and did not notice the error at the time the dispute was filed. Because the dispute was submitted in error, I am requesting that it be withdrawn and closed. Please confirm in writing that the dispute has been officially canceled and no further action is being taken based on the incorrect information previously submitted.

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 2025-12-15 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: TX

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I ordered a dress from a seller on XXXX that was custom-made to my measurements ; however, the seller did not make the dress correctly. I requested a refund, but the seller denied it. He then offered to fix the dress only if I shipped it back to XXXX, XXXX. 

I was unable to ship the dress from California to XXXX because USPS, XXXX, and XXXX advised me that international packages to that destination often get lost and recommended against shipping it. I relayed this information to the seller, but he refused to offer either a partial or full refund. 

Before disputing the charge, and in good faith, I offered to stop in XXXX to have the dress hemmed and fixed in person, as I was already traveling to XXXX. The seller agreed and said he would help. Before stopping by, I texted him to confirm that he would be at the shop, but he ignored my messages. I still went to the shop, knocked on the door, and waited for approximately XXXX minutes, but no one opened. After I left, the seller messaged me claiming there was an issue with his phone. 

Upon returning home, I disputed the charge with Capital One, and they pushed my dispute forward in XX/XX/year>. In XXXX, Capital One requested additional documentation, but I did not see this request in the mobile banking app. As a result, they closed my case and denied my dispute. 

I contacted Capital One and asked if the case could be reopened, as I had substantial evidence. They allowed me to reopen the dispute but later rejected it again. When I spoke with a manager, I was told that I was past the dispute deadline, which is why the claim was denied. I questioned why the dispute was opened and allowed to proceed in the first place if I was already outside the timeline, but they were unable to provide a clear answer. 

I was then told the dispute was denied due to insufficient proof. I asked whether Capital One had contacted XXXX or the merchant, as XXXX could confirm that the seller had deleted his entire XXXX store and could no longer be contacted. Capital One stated that they did not reach out to the merchant because they did not need to. However, their policies state that if the merchant does not respond, the dispute should be resolved in my favor. This was not done. 

I also contacted XXXX directly. XXXX informed me that they would have been able to assist, but I was outside of their claim timeline because I had been waiting for Capital Ones dispute process to conclude. XXXX advised me that the credit card company should have handled the issue. 

I am reaching out for help because this situation feels extremely unfair. This was my wedding dress, and I was unable to wear it. I had to spend additional money to purchase another dress. The total cost of the dress was {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-12-15 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information.

Reporting unverifiable or inaccurate data is a violationoffederallaw.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Improper use of my social security number, which resulted in fraudulent inquiries on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I HAVE NEVER BEEN LATE ON THE ACCOUNTS LISTED AS DELINQUENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: AR

Complaint narrative:
I am filing this complaint because XXXX XXXX  / Equifax XXXX XXXX ] has willfully ignored its duties under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Despite my disputes, the bureau failed to conduct a proper reinvestigation within 30 days, did not delete unverifiable information, and has not provided results. This violates 1681i and 1681e ( b ). Courts have made it clear that consumers can not be left with inaccurate credit reports : in XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), the court held inaccuracies must be corrected whether factual or legal ; in XXXX ( XXXX ), the Supreme Court reaffirmed broad FCRA liability ; and in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX paid {$23.00} XXXX after mishandling consumer disputes. Because of these violations, my credit profile is inaccurate, my access to fair credit has been harmed, and my financial reputation has been damaged. 

Accounts to Be Deleted : CHARGE OFF : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to dispute the following items on my credit report, which I believe to be inaccurate and not in compliance with the Fair Credit Reporting Act ( FCRA ). Below, I have outlined the details for each bureau where the discrepancies have occurred. 

Charged Off Accounts Account Name : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries Account Name : XXXX XXXX  Date of Inquiry : XX/XX/XXXX Late Payment Entries Account Name : XXXX 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 2025-12-15 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX Date : XXXX XXXX Via Certified Mail Return Receipt Requested XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, Sc XXXX XXXX : Cease and Desist Communication 15 U.S.C. 1692c To Whom It May Concern, I am writing to formally notify you that, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), you are hereby directed to cease and desist all communication with me immediately regarding the alleged debt referenced below : Original Creditor : XXXX  XXXX Under 15 U.S.C. 1692c ( c ), once a consumer notifies a debt collector in writing that they refuse to pay a debt or that they wish the debt collector to cease further communication, the debt collector must cease all communications, except as permitted by law. 
Accordingly : 1. You are instructed to cease all forms of communication with me, including but not limited to phone calls, letters, emails, text messages, or third-party contact.

2. You may only contact me to : * Confirm that you will comply with this request ; or * Notify me of specific legal action you intend to take, if any, as allowed under the statute.

Any further communication from you beyond what is expressly permitted by 15 U.S.C. 1692c ( c ) will constitute a knowing and willful violation of federal law and may result in legal action. Such violations may expose you to civil liability, including statutory damages, actual damages, attorneys fees, and court costs pursuant to 15 U.S.C. 1692k. 
This letter is not an acknowledgment of the debt, nor is it a refusal or agreement to pay. It is solely a lawful request to cease communication. 
Govern yourself accordingly. 
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 explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland Credit Management is reporting a collection account on my consumer credit report that it claims to have purchased from the original creditor. 

I disputed the accuracy and ownership of this account with the consumer reporting agencies in XXXX and again in XXXX. Despite these disputes, Midland verified the account without providing documentation demonstrating assignment of the debt, chain of title, or an itemized accounting of the amount reported. 

The account shows no payment activity or balance changes, yet continues to be reported as an active collection. This indicates automated verification rather than a reasonable investigation as required by the Fair Credit Reporting Act. 

Midlands continued reporting of this unverified debt has resulted in ongoing damage to my credit. 

I am requesting the deletion of this account from all consumer credit reports due to failure to substantiate accuracy and legal ownership.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I deposited my check into my navy federal checking account on XX/XX/year> in the amount of XXXX they never let me get any funds they instantly reported the check as fraud and the check came from my employer I sent them over confirmation from my owner, receipts from my employer bank institution confirming navy federal took the funds. I submitted XXXX appeals and they still will not unrestricted my account or release none of my funds to me when it is already said the check was never returned and the check is not fraud. I went into the branch and gave an appeal with a new check from same account and same employer and they still havent released my funds XXXX weeks later.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief