vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this complaint because TransUnion has failed to remove fraudulent accounts and hard inquiries from my credit report in clear violation of federal and California law. I submitted an identity theft dispute package on XX/XX/XXXX, including : A valid FTC Identity Theft Report ( # XXXX ) My government-issued ID A signed statement listing the fraudulent accounts and inquiries A formal request to block the fraudulent items under FCRA 1681c-2 ( Section 605B ) TransUnion received this information no later than XX/XX/XXXX, yet they have failed to comply with the required legal timeframes : 4-business-day deadline to block fraudulent information under FCRA 1681c-2 30-calendar-day deadline to complete an investigation under FCRA 1681i Despite multiple certified mailings, phone disputes, and escalation requests, TransUnion has not removed the following : Fraudulent Accounts Still Reporting : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX {$240.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX {$430.00} ( status unclear I request confirmation of removal ) Fraudulent Inquiries Still Reporting : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I spoke with XXXXXXXX, a supervisor in TransUnions Special Handling Department, who stated that all fraudulent information was removed and confirmed this under XXXX XXXX XXXX XXXX. She also promised a corrected report would be sent. That never happened, and the fraudulent data remains on my file.

TransUnion Violations : Federal Law : FCRA 1681c-2 Failure to block identity theft items within 4 business days FCRA 1681i Failure to complete dispute investigation within 30 days FCRA 1681e ( b ) Continuing to report information known to be inaccurate ADA Title III ( 42 U.S.C. 12182 ) Refusal to accommodate my XXXX ( I am XXXX ) XXXX  XXXX : XXXX XXXX XXXX Refusal to correct disputed information Unruh Civil Rights Act ( 51 ) Denial of service due to XXXX Business & Professions Code 17200 Unlawful, deceptive business practices Additionally, TransUnion has blocked access to my online account, refused to allow phone-based dispute resolution despite my XXXX, and ignored multiple certified dispute letters that were received and documented.

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 2025-07-13 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I am disputing inaccurate information on my Experian credit report related to the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I submitted two rounds of disputes through the Experian portal : XXXX XXXX and Self on XX/XX/XXXX and XX/XX/XXXX, and Aspire on XX/XX/XXXX and XX/XX/XXXX. Despite my efforts, the accounts were marked as updated, or verified but the inaccuracies were not corrected or explained. 

Experian was recently sued by the Consumer Financial Protection Bureau ( CFPB ) not only for failing to properly investigate consumer disputes, but also for continuing to report known inaccurate information on peoples credit reports. The lawsuit cites sham investigations, failure to provide proper dispute outcomes, and the willful inclusion of false or misleading data that harms consumers. 

These inaccurate items are personally hurting me and have caused a significant drop in my credit score. This is directly affecting my ability to qualify for credit and maintain financial stability.

I am requesting that the CFPB assist in ensuring Experian conducts a proper and lawful investigation, and that all inaccurate information is corrected or removed in full compliance with the Fair Credit Reporting Act.

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 2025-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: NV

Complaint narrative:
In XX/XX/year>, {$5100.00} was taken from my federal tax refund through the Treasury Offset Program toward a debt originally owed to XXXX and now managed by Transworld Systems. Despite this large payment, Transworld continues to pursue an additional {$3800.00} without providing a full itemized breakdown or validating how this amount was calculated. I formally disputed the debt and requested a ledger showing the original principal, all payments made, interest rates, and fees. To date, they have only acknowledged the offset but failed to provide any supporting documentation, in violation of the FDCPA and FCRA. I believe they are attempting to collect an inaccurate and possibly inflated amount, and I am requesting investigation and correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX Date : XX/XX/XXXXXXXX  Re : Identity Theft Dispute Under FCRA 605B Request to Block Fraudulent Items To Whom It May Concern, I am writing to formally dispute fraudulent and inaccurate information appearing on my credit file. I am a victim of identity theft and a confirmed victim of the XXXXXXXX XXXX XXXX XXXXXXXX, during which my personal information was exposed without my consent. I have included a copy of my FTC Identity Theft Report ( Report # : XXXX ) detailing the affected accounts. 

Pursuant to the Fair Credit Reporting Act ( FCRA ) 605B, I demand that you permanently block the following fraudulent accounts and hard inquiries from my credit report within four ( 4 ) business days of receipt of this notice and accompanying documentation. 



Fraudulent Accounts to Be Removed : XXXX. XXXX XXXX  Account # : XXXX Date Opened : XX/XX/XXXX Fraud Discovered : XX/XX/XXXX Balance : {$2300.00} Status : Open XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Fraud Discovered : XX/XX/XXXX Balance : {$5100.00} Status : Paid, Closed XXXX. DEPT OF EDUCATION/XXXX Account # : XXXX Date Opened : XX/XX/XXXX Fraud Discovered : XX/XX/XXXX Balance : {$8200.00} Status : Open. Deferred, payments begin XX/XX/XXXXXXXX  These entries are the result of identity theft and data breaches. I did not authorize or initiate any of these accounts or inquiries. The continued reporting of this information is damaging, inaccurate, and in violation of federal law. You are obligated under FCRA 605B to take corrective action immediately. 

Enclosed Documentation : Government-issued photo ID Proof of current address FTC Identity Theft Report ( # XXXX ) This signed letter and affidavit Highlighted credit report with disputed items Please confirm in writing once these items have been permanently blocked and removed from my credit file. If you fail to act within the time required, I am prepared to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and Georgia Attorney Generals Office. 

Sincerely, 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 2025-07-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Mortgage Research Center, LLC
State: IL

Complaint narrative:
There are three issues that have emerged : 1 ) I have requested in-Lieu of Foreclosure four times, each time I have been denied. They will not tell me the exact reason why just that there was an issue. I can not resolve the issue to move forward. I can not find a primary representative to speak with to help me. I have a name, XXXX XXXX, a case manager, who I can never her ahold of, it's a first come first serve situation. 
2 ) I reviewed my credit report, which revealed another mortgage company reporting negatively on my account. I recently wrote all three credit breaks disputing this mortgage company. The response started that my mortgage company, XXXX XXXXXXXX XXXX XXXXXXXX sold my mortgage to XXXX XXXX. I have never paid XXXX XXXX a mortgage payment now they are reporting negatively. Additionally, I have never received information about my mortgage being sold. 
3 ) I checked the XXXX site, it shows current servicer and investor information ( owner of the note ) for my home loan. However, I searched using my name, SS #, abd home address and nothing came back.

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 2025-07-13 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lockhart, Morris & Montgomery Inc.
State: SC

Complaint narrative:
This company put a medical collection on my credit reports and I told them XXXX XXXX was not allowed on credit reports as of the new rule in XXXX and researched and even spoke with you guys to verify that this should not have been placed on my reports and I called and spoke with a lady named XXXX and she lied and said this wasn't true and I asked for her last name and she refused to give it to me and said she didn't have to and I asked to speak with a manager and she said there wasn't one avaliable and she would have one call me back and I still haven't gotten that phone call

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: HI

Complaint narrative:
On XXXX XX/XX/year>, I submitted a certified dispute letter to Equifax, received by the bureau on XXXX XX/XX/year>. The dispute outlined specific accounts, included all required identification documentation, and requested investigation in accordance with FCRA 611 and 609. 

Despite this, Equifax failed to respond within the legally mandated 30-day window and did not provide any reinvestigation results until after a CFPB complaint was initiated in XX/XX/year>. That response did not address the content of my original dispute, nor did it resolve the accounts challenged. 

Additionally, when attempting to access or recover my Equifax account through their portal, the system fails to recognize my Social Security Number, and Im unable to verify my identity or log in. This not only obstructs access to my credit file but raises concerns about potential identity discrepancies or data suppression within Equifaxs internal system. 

In the second CFPB response, Equifax once again failed to : 1. Specify what accounts were investigated. 2. Provide any Method of Verification ( MoV ), supporting documentation, or details on how the data furnishers verified the information. 3. Clarify the discrepancies between account charge-off statuses and status updated dates. For example : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These discrepancies indicate either backdated data or stale reporting practices. Equifax did not provide any official debt validation, original account agreements, or itemized billing histories for any of the accountsdespite requests under FCRA and FDCPA guidelines. 

Equifax also dismissed my concerns regarding unauthorized hard inquiries, claiming they are a matter of fact and refusing to remove them despite being tied to disputed or unverifiable accounts. No evidence of my authorization for those inquiries was provided. 

Lastly, their mailed results summary was identical to one sent months earlier, indicating no new investigation took place. It simply restated that the accounts were verified without providing proof, context, or original documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I am disputing a XXXX ( ~ {$450.00} USD ) ATM withdrawal made with my Chase debit card during a trip to XXXX, XXXX. I canceled the transaction after seeing an unfavorable exchange rate, and the ATM ejected my card. I left without receiving any money. 
I have alerts set on my Chase account for any charge over {$120.00}. Moments after leaving the ATM, I received a transaction alert and immediately called my banker from XXXX to dispute the charge. Two days later, the withdrawal was reversed. I believed it was resolved. 
However, Chase later re-applied the charge, stating that the ATM provider confirmed the machine dispensed XXXX bills. The ATM logs they provided : Do not show when I begin my withdraw Do not show my cancellation Do not show card ejection Do not show when the withdraw end Only show the dispense start and end times I offered to take a polygraph to confirm I didnt receive the cash and asked Chase to request video footage, but they refused. Instead, they told me to hire a lawyer or file a police report in XXXX to subpoena the footage an unreasonable burden for a U.S. consumer. 
Chases denial is based solely on incomplete logs without proof I received the funds. I believe this violates Regulation E, and I am requesting CFPB assistance to recover the {$450.00} wrongly withdrawn from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: FL

Complaint narrative:
This account has been charged off and reportedly transferred to another creditor. However, the information being reported on my credit report contains inaccuracies, including ( but not limited to ) :

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 2025-07-13 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: NC

Complaint narrative:
I demand the removal of all fraudulent hard inquiries from my Experian credit report within four days of receipt. I request that you manually process my FCRA 605B deletion request and immediately block all fraudulent inquiries, as required by law. Per FCRA 605B, no further validation from creditors is necessary once proper identity theft documentation has been provided. The fraudulent hard inquiries are : Unauthorized Inquiry XXXX XXXX XXXX XXXX  XXXX Unauthorized Inquiry XXXX XXXX XXXX XXXX XXXXXXXX Unauthorized Inquiry XXXX XXXX XXXXXXXX Unauthorized Inquiry XXXX XXXX XXXXXXXX Unauthorized Inquiry XXXX XXXX XXXX XXXXXXXX Unauthorized Inquiry XXXX XXXX XXXX XXXX XXXX XXXXXXXX Unauthorized Inquiry XXXX XXXX XXXX XXXX XXXX XXXXXXXX Unauthorized Inquiry XXXX XXXX XXXX XXXXXXXX Additionally, I request that you provide the specific reason for reporting these inquiries, in accordance with 15 U.S. Code 1681b - Permissible Purposes of Consumer Reports. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned hard inquiries are the result of identity theft and fraud.

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 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I have had no luck obtaining a copy of my credit report from Equifax and Experian. I was successful getting confirmation on Trans Union. My request were completed on the phone through the credit request portals. I hereby attach a copy of my drivers license confirming my identity. Therefore, I respectfully request a copy of my credit reports to be mailed to my home address. 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 2025-07-13 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: IL

Complaint narrative:
On XX/XX/year>, I was charged {$3100.00} by XXXX as the first of XXXX payments for a long-term reservation ( XXXX nights ) from XX/XX/XXXX to XX/XX/year>, for my internship in XXXXXXXX XXXX. However, when I arrived at the property, it was in unacceptable condition. The bedroom had no working light, the bed was heavily stained, the bathroom was extremely dirty, the network was bad due to the property being in the basement of the building ( something that the host did not communicate ), and the kitchen supplies were unusable. To manage the situation, I had to purchase an air mattress, cleaning supplies, and kitchenware. 

I reported these issues to both the host and XXXX. The host said he could not help, while XXXX offered a partial refund instead of addressing the full extent of the problems. 

Desperate, I accepted their partial refund of {$1800.00}, which included {$1400.00} for unused nights and an additional {$380.00}. However, I left the property early on XX/XX/year>, and did not stay for the full 30 days I had paid for. I then booked another XXXX for the remainder of my internship. 

On XX/XX/year>, I filed a dispute with Capital One for the remaining {$1200.00} that had not been refunded. Despite providing photos, videos, refund documentation, XXXXXXXX XXXX XXXX XXXX XXXX, and a written complaint, Capital One closed the dispute. They stated that because I accepted a partial refund, they could not proceed further, even though my acceptance was made under financial pressure rather than satisfaction with the resolution. The policy clearly allows for full refunds depending on the severity of the issue, and in my case, I left early and incurred additional costs as a result. 

I am requesting that the CFPB help ensure this dispute is properly reviewed and that I receive the remaining refund for a service that was never fully delivered.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
On XXXX XXXX USAA sent me a letter that they were closing my account citing Were committed to keeping you informed about the status of your account. After careful evaluation, were writing to inform you that were exercising our right to no longer do banking business with you per our XXXX XXXX. Were electing to close the my accounts accounts. This was a day after I disputed charges from XXXX.XXXX. Also on that day XXXX  issued refunds for all the disputes. I received every refund except a charge for {$24.00}. On that day I had XXXX deposit one was my husbands paycheck. The other was XXXX XXXX for my XXXX children a day later I received another XXXX XXXX payment which they have kept. I asked the reason why they close the accounts and they refuse to give me a reason stating that it was their right to close any account for any reason I asked for my money to be refunded and at that time I was told that until the disputes that were open, were closed. They were not gon na release my funds. I went to XXXX, who is a customer advocate, and I was told once the dispute was closed that they would release my funds immediately the dispute was closed on Friday, XX/XX/XXXX and I was told a check was mailed out to me that day the next day, a representative told me that they were keeping the money for a full XXXX  days and wouldnt release my money even though theyre the disputes are closed. When I asked for transcripts of all communication since the closure, I was told that I would have to have them subpoenaed.

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