vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-09 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: LA

Complaint narrative:
XXXX and XXXX has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX and XXXX alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX  and XXXX  has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX and XXXX inaction violates federal law and my rights as a consumer.

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 2025-06-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: UT

Complaint narrative:
sold my debt to XXXX XXXX XXXX which has done nothing- have stated that I am XXXX using a captioning phone on all calls- still do nothing said go online for information- they have blocked my access. this problem has been on going since XX/XX/2XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: OLD NATIONAL BANCORP
State: KY

Complaint narrative:
On Friday XX/XX/XXXX I took a check to Old National bank and cashed it from a company that owed me money. On XXXX I received another check so I deposited it in the ATM. A week before this same company wrote a check that I deposited thru the ATM as well. This particular transaction was posted to my account did XXXX days. Well not only did XXXX XXXX allow the stop payment to go thru and take the money out of my account then but today XX/XX/year> they do it AGAIN! This company owed me this money and the bank is just at will taking money out of account.

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 2025-06-09 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion 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 NY XXXX ACCOUNTS : INQUIRIES : XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-06-10 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: MO

Complaint narrative:
i've recently recieved a copy of my credit report and noticed several inaccuracies and unauthorized accounts information reporting to my credit report these remarks have been detrimental to my life and credit health.

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 2025-06-09 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: CA

Complaint narrative:
I am writing to formally demand your agency 's compliance with the Fair Credit Reporting Act ( FCRA ) in connection with the ongoing mishandling of my credit file. Despite multiple dispute attempts, you have failed to remove fraudulent accounts that do not belong to me and continue to report unverifiable information. 

This conduct is in direct violation of federal law and my consumer rights. The following accounts listed below were opened fraudulently as a result of identity theft. I have submitted several dispute letters requesting their removal, yet you have responded with vague and non-substantive explanations that do not meet the legal standards required under the FCRA.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are legally obligated to perform a meaningful investigation upon receipt of a consumer dispute. Your continued reliance on form responses without providing original validation of the debts in question constitutes noncompliance.

Moreover, 15 U.S.C. 1681e ( b ) mandates that consumer reporting agencies ensure the highest possible level of accuracy in reporting. Your agencys failure to take corrective action demonstrates a reckless disregard of these obligations.

You are hereby given 30 days from the date of this letter to provide the following : 1. Full and original verification documents from the creditors proving the validity of the account in questionnot generic responses ; 2. A comprehensive outline of the investigation performed, detailing each step taken ; 3. The names, job titles, and contact details of the individuals responsible for reviewing and responding to my dispute ; 4. Written confirmation that all unverifiable information has been permanently deleted from my credit file pursuant to 15 U.S.C. 1681i ( a ) ( 5 ).

If you fail to respond adequately within the timeframe stated, I will pursue immediate legal action. This includes filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the California State Attorney General. I will also proceed with litigation under 15 U.S.C. 1681n for willful noncompliance, which allows for the recovery of statutory damages, punitive damages, attorney fees, and costs.

These accounts are fraudulent, and I have already received confirmation from the relevant banks that they should not be associated with my credit profile. Please review and remove these accounts immediately, and provide supporting verification if you continue to report them : XXXX XXXX # XXXX, XXXXXXXX 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 2025-06-09 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.

Complaint narrative:
I've been through a nightmare ever since i was a victim of identity theft, i found some accounts and elements on my credit report that dont belong to me. This situation has been taking over my health and peace since i have not been able to get rid of all these items and i dont know what else to do. These are the items mentioned : XXXX XXXX XXXX XXXX XXXX, account number XXXX - mortgage - opened on XXXX. XXXX XXXX - XXXX loan - opened on XXXX. XXXX XXXX XXXX XXXX XXXX, account number XXXX - mortgage - opened on XXXX. XXXX XXXX XXXX XXXX XXXX, account number XXXX - mortgage - opened on XXXX. INQUIRIES : EQUIFAX MORTGAGE SERVI, Inquired on XX/XX/XXXX. EQUIFAX MORTGAGE SERVI, inquired on XX/XX/XXXX. EQUIFAX MORTGAGE SERVI, inquired on XXXX XXXX, XXXX. XXXX XXXX XXXX inquired on XX/XX/XXXX. EQUIFAX MORTGAGE XXXX, inquired on XX/XX/XXXX. EQUIFAX MORTGAGE XXXX, inquired on XX/XX/XXXX. XXXX XXXX, inquired on XX/XX/XXXX. XXXX XXXX, inquired on XX/XX/XXXX. XXXX XXXX, inquired on XXXX XXXX, XXXX. XXXX XXXXXXXX XXXX, inquired on XX/XX/XXXX. XXXX - XXXX, inquired on XX/XX/XXXX. XXXX - XXXX, inquired on XX/XX/XXXX. XXXX, inquired on XX/XX/XXXX. XXXX - XXXX, inquired on XX/XX/XXXX. XXXX - XXXX, inquired on XX/XX/XXXX. XXXX - XXXX, inquired on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to formally dispute the inaccurate and outdated information in my Experian credit profile. My credit file has not been updated since XX/XX/XXXX, and I was informed that this is allegedly due to the removal of my address from your records. 
This claim is both concerning and inaccurate. I have maintained an active address, and there is no lawful reason my credit file should have ceased updating entirely. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), Experian is legally obligated to follow reasonable procedures to ensure the maximum possible accuracy of the information contained in consumer reports. By failing to maintain or update my profile due to an internal issue with address verification, you are effectively violating this provision.

Additionally, per 15 U.S.C. 1681i, I have the right to dispute incomplete or inaccurate information, and you are required to conduct a reasonable reinvestigation within 30 days of receipt of this letter. 
The absence of updated reporting on my credit profile can negatively impact my creditworthiness, loan approvals, and other financial opportunities. There have also been similar legal cases where credit reporting agencies faced lawsuits for failure to timely update and accurately report credit information, such as : Dixon v. Experian Information Solutions , Inc., 2019 where the court held Experian liable for failing to correct and update inaccurate address and reporting data, resulting in financial harm to the consumer.

I am requesting that you immediately : 1. Reinvestigate and update my online credit file to reflect current and accurate data.

2. Reinstate my valid address so that my file can be maintained properly.

3. Provide a written explanation of what steps have been taken and when my profile will reflect current information.

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 2025-06-09 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: NC

Complaint narrative:
I purchased a mattress from XXXX which I returned. The merchant accepted my return. However, the merchant did not issue a refund. I made a chargeback with Capital One, and the merchant lied and said that I did not return the merchandise. Capital One refuses to acknowledge my evidence that the merchant is lying and recharged my credit card. Now the merchant has been caught in a lie, they are recanting but are now blaming Capital One for their inability to issue a refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-09 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-06-09 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:
This is my fourth request for details of the procedure you followed when XXXX sent you a several request for these accounts that I found fraudulent, but you didn\'t look into them all. You know, I researched the legislation and my consumer rights, and the Fair Credit Reporting Act states that a consumer has the right to ask for an explanation of the process used to determine the accuracy and completeness of disputed information. Additionally, it specifies that the credit bureau must respond to the consumer\ 's request for a report of such investigations within 15 days. Where is it? 
XXXX  - XXXX - How are you reporting late payments if I am protected by the Cares Act - Please Update to Never Late

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ZWICKER & ASSOCIATES
State: FL

Complaint narrative:
Debt collection agency did not served the paper to me, There were sign by another person and they did not notify me of a garnishment coming my way or gave me a chance to negotiated/ fix this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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:
Let me be clear : this is wrong. It is your responsibility under the Fair Credit Reporting Act to ensure that all data reported about me is accurate, verifiable, and complete. Im asking you to do exactly that verify this information. And if you can not 100 % confirm, with documentation, that this information rightfully belongs to me and was reported with my consent, then you are obligated to delete it from my credit report entirely.

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 2025-06-09 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Several companies have accessed my credit report without authorization, directly damaging my credit and score. Your representative previously assured me these inquiries would be removed, yet they remain. This failure to act is unacceptable and strongly indicates potential identity theft. I am suffering ongoing financial and emotional harm. I demand an immediate investigation and the prompt removal of all unauthorized inquiries from my report.

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 2025-06-09 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:
My credit profile is inaccurate which is not fair to me. Please investegate thus and fix it. I'm really XXXX XXXX XXXX of these XXXX. Should there be any updates on my inquiries, I'm gon na go to court

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 2025-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Novo Platform Inc.
State: FL

Complaint narrative:
I am filing this complaint against Novo Bank and XXXX XXXX XXXX for their failure to honor Mastercards XXXX Liability policy regarding unauthorized transactions made on my XXXX business debit card. Despite following all required procedures, XXXX has denied my dispute without providing evidence, failed to issue provisional credit, and blocked access to fraud and dispute resolution teams. 

Details of the Unauthorized Transactions : - My XXXX business debit card, issued by XXXX XXXX XXXX, was stolen from my vehicle. 
- Novo detected suspicious activity and contacted me, at which point I confirmed the theft and unauthorized transactions on XX/XX/year> ( Ticket # XXXX ). 
- Novo required me to wait for the transactions to settle before filing a disputean unnecessary delay imposed by internal policy.

- I followed Novos instructions and filed the dispute as soon as allowed.

- Novo denied the dispute without providing investigation findings or supporting documentation.

- Novo has blocked direct access to fraud and dispute resolution teams.

Violation of Mastercards XXXX Liability Policy for XXXX XXXX XXXX : As this business debit card was issued pursuant to a license by XXXX XXXX, Novo and XXXX XXXX Savings are required to adhere to Mastercards XXXX Liability policy, which protects business account holders in the event of unauthorized transactions reported promptly. 

Under this policy, I am not liable for unauthorized transactions because : - My business debit card was stolen, and I reported the theft immediately. 
- The transactions were unauthorized and card-present. 
- I was not negligent in handling my card. 

Novo is required to honor this policy unless it can prove the transactions were authorized.

Novo is a fintech company, not a bank, so it doesn't issue debit cards directly. The actual bank that issues the debit cards is XXXX XXXX, XXXX. Novo partners with XXXX XXXX XXXX, XXXX, for deposit account services.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Account # XXXX I am unaware of this debt and did not authorize this. I've never had a contract with this debt collector for any debt. If you believe you sent proper notification, please provide " Certified Mail '' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Credit card — Store credit 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: CITIBANK, N.A.
State: NY

Complaint narrative:
In XX/XX/year>, my Macys credit card ( issued by XXXX XXXX  ) was reported as 30 days late. This was the only late payment in over 12 years of perfect payment history across all of my credit accounts. 

The payment was made immediately after I was notified of the delinquency, and my account has remained in excellent standing ever since. Ive made multiple goodwill requests directly to XXXX XXXX  asking for a courtesy removal of this late mark due to my otherwise flawless record and long-standing loyalty, but all requests have been denied without proper consideration. 

I am not disputing the accuracy of the late payment but requesting that the company make a goodwill adjustment as a fair and reasonable courtesy based on my history. This one-time issue is severely damaging my credit profile despite being an isolated and corrected event. 

I respectfully ask the CFPB to assist in encouraging XXXX XXXX  to re-evaluate this XXXX  request in good faith.

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 2025-06-09 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:
This CFPB complaint is filed pursuant to FCRA XXXX XXXX ( XXXX U.S.C. XXXX ), requesting that the TransUnion credit reporting agency XXXX XXXX following fraudulent accounts from my consumer credit file within XXXX business days : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX These accounts were not authorized by me and are the result of identity theft. I did not apply for, initiate, or benefit from any of the above accounts. I have attached a copy of my consumer credit report showing the fraudulent entries, along with a valid FTC Identity Theft Report XXXX  ( private case number ) to support my identity theft claim.

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 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXXPlease remove the following items from my credit reportXXXXADDRESSESXXXX 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 XXXXACCOUNT:-XXXX XXXX XXXX XXXX XXXX XXXX XXXX  had not checked my credit report in a long time. I went to the bank and was informed of these items. I don't know who could have done this. This is identity theft and a nightmare."

Company response to consumer: Closed with non-monetary relief