vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-10 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:
Discovering a late payment on my account is both unexpected and concerning, considering my track record of punctual payments. This discrepancy is causing unnecessary worry, and I urge you to update my records to reflect the correct 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 non-monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I assert that the erroneous late payment remarks on my accounts violate 15 USC 1666. I have consistently paid on time, and any discrepancies in this reporting are both unfair and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: TX

Complaint narrative:
I opened a square payment processing account for my business XXXX XXXX and it was running smoothly for a 2-3 weeks. Suddenly square closed my account without letting me being able to withdraw my sales amount. I verified the account and they reopened it after full review. and again the system closed it after a few weeks. According to their terms and service, but they need to show proof why and how they can just hold a small hard-working business 's money never to return without a humane explanation. Just AI responding to my emails and queries all the time. 

I would like to have my business 's income back to the business because for a small business, money will always be scarce and moving to work hard and make a living. This completely disrupted my inventory purchasing capacity, sales, profit and my living. 
I would like a compensation for that on top of my original sales too please. 


Regards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: Chime Financial Inc
State: MO

Complaint narrative:
On XX/XX/year>, I had over 20 purchase attempts on my checking account with chime financial by XXXX XXXX. I did not make or authorize. In addition my account was flagged and I was notified of possible fraud. Three of the transactions processed before I could close my card. In addition on XX/XX/XXXX I had disputed a charge for an elite inquiries charge in my account also not authorized or known by me. Total loss was {$360.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I previously disputed the reporting of a bankruptcy on my credit file. The details of the item are as follows : Type of Bankruptcy : XXXX XXXX Filing Date : XX/XX/2016 United States Bankruptcy XXXX XXXX XXXX Maryland Bankruptcy XXXX. # XXXX In my dispute letter, I requested that you verify this record directly with the reporting court, as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Instead, you continued to report this bankruptcy without providing proper documentation or proof of verification. 

Please note the following : Courts do not furnish bankruptcy records to credit reporting agencies. Therefore, any reporting must be directly verified by you with the court. 

Under the FCRA, you are required to conduct a reasonable reinvestigation and provide the method of verification. Simply stating that the record has been verified without supplying documentation is not compliant. 

By failing to properly verify and continuing to report this item, you violate the FCRA. 

I hereby demand : Immediate deletion of this unverified bankruptcy record from my credit file. 
Written confirmation that the record has been removed. 

If this matter is not resolved within the legally required time frame, I will escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ) and the Attorney General of my state for further investigation and enforcement action. 

Thank you for your immediate attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Mortgage — Conventional home 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: US MORTGAGE CORPORATION
State: NJ

Complaint narrative:
- I applied for a mortgage with US Mortgage Corporation XXXX XXXX, NY ). 
- An appraisal was ordered and I paid for. 
- Due to an errors caused by the lender, they came with a last minute requirement that can't be satisfied and my loan could not be fully approved. 
- I then applied with a new lender that approved my loan without that requirement- We requested US Mortgage Corporation to transfer the appraisal, and they said it will be done by the end of the day XX/XX/2025 - The appraisal transfer is not done yet and they keep ignoring our emails, calls and texts - Closing is in 2 days, and their refusal is causing unnecessary delays, added costs, and risks my home purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I discovered a charge-off account on my credit report that I believe is inaccurate and incomplete. Since noticing this, I have submitted multiple formal disputes to both the creditor/furnisher and the credit reporting agencies, requesting a thorough investigation and validation of the debt. Despite these repeated efforts, the creditor has failed to provide any substantive verification, such as the original signed contract, detailed payment history, or evidence that the debt is valid and belongs to me. 
Instead, I have only received generic or stall responses that do not address the specific issues I raised. The inaccurate charge-off status, incorrect balances, and inconsistent reporting continue to appear on my credit report, which is negatively impacting my credit score and financial opportunities. This ongoing failure to investigate and correct the errors violates my rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and related consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SinglePoint GI
State: OK

Complaint narrative:
XXXX XXXX XXXX has reported an account that is past the statue of limitations to my credit report. This account past the statue of limitations and the company has not attempted to contact me by written mail..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
I am formally requesting the removal of this inaccurate account from my credit report, as I did not authorize its creation or use. Enclosed are the necessary documents to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-09-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally disputing fraudulent accounts that appear on my credit file. These accounts do not belong to me and were never authorized in any form. Their inclusion is misleading, harmful, and undermines the accuracy and fairness of my credit report. The continued reporting of these accounts imposes an undue burden, creates false obligations, and damages my reputation and financial credibility. Allowing these entries to remain is unacceptable and must be rectified immediately.

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 2025-09-10 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: IL

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: NV

Complaint narrative:
On XX/XX/year>, I sent a certified letter to TransUnion regarding multiple inaccurate items on my credit report. The letter was delivered on XX/XX/year>, at XXXX XXXX in XXXX, PA, per XXXX Tracking # XXXX. This correspondence requested prompt investigation and correction or deletion of the following accounts : XXXX XXXX XXXX  - {$0.00} ( ACCOUNT # XXXX ) After receiving no response or update regarding the investigation within the time required by law, I sent a second letter on XX/XX/year>, reiterating my dispute and again requesting prompt resolution. To date, I have received no response from TransUnion.

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 2025-09-10 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I discovered a charge-off account on my credit report that I believe is inaccurate and incomplete. Since noticing this, I have submitted multiple formal disputes to both the creditor/furnisher and the credit reporting agencies, requesting a thorough investigation and validation of the debt. Despite these repeated efforts, the creditor has failed to provide any substantive verification, such as the original signed contract, detailed payment history, or evidence that the debt is valid and belongs to me.

Instead, I have only received generic or stall responses that do not address the specific issues I raised. The inaccurate charge-off status, incorrect balances, and inconsistent reporting continue to appear on my credit report, which is negatively impacting my credit score and financial opportunities. This ongoing failure to investigate and correct the errors violates my rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and related consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: IL

Complaint narrative:
I AM ASKING FOR THE PERMANENT REMOVAL OF THE FRAUDULENT HARD INQUIRIES SHOWN ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE INQUIRIES, AND THEY WERE MADE WITHOUT MY KNOWLEDGE, WHICH IS A VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. TO SUPPORT MY REQUEST, I HAVE ATTACHED DOCUMENTS, INCLUDING AN FTC IDENTITY THEFT REPORT. I KINDLY REQUEST THAT THESE UNAUTHORIZED INQUIRIES BE DELETED IMMEDIATELY TO AVOID FURTHER DAMAGE TO MY CREDIT. IF THIS ISSUE IS NOT RESOLVED, I XXXX BE FORCED TO TAKE FURTHER ACTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: ID

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: GA

Complaint narrative:
Statement of Complaint : I am requesting that the LexisNexis, XXXX, and XXXX update my personal information to reflect my correct and current details. 

Correct Information : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX For verification, I have attached copies of my identification, Social Security card, and lease agreement. 

The Fair Credit Reporting Act ( FCRA ) requires that consumer reporting agencies maintain and report accurate information. My records must be updated promptly to ensure compliance with federal law and to prevent any negative impact on my credit profile. 

Requested Resolution : Update my name and address as listed above. 

Provide written confirmation once the changes have been made. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Reporting illegally and inaccurately information on my credit 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 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Larry H. Miller Group of Companies
State: IL

Complaint narrative:
I Requested status forgiveness during Covid19 hardship ... '' The delinquent payment shown on my credit report ( XX/XX/XXXX thru XX/XX/XXXX was a result of my job loss due to COVID-19. The CARES Act, which was signed into law on XX/XX/XXXX, and ended XX/XX/XXXX amended the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisis under these circumstances. Please update this information ALL to PAID/AGREED for the following time period. .. XX/XX/XXXX thru XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
Around mid XXXX to early XXXX, I requested that this company send me every piece of paperwork I signed since they were happy to take the debt from the car dealership. Anything that would also bind me with their debt collection agency and I received nothing but some registration placard that was the Department of Motor Vehicle. I have no signature paperwork in regards to the vehicle. This company just calls and sends collections notices, and bombard me with emails. I've even been sent mail basically saying, " give us something and we'll cancel the debt at a max of {$300.00}. '' They have also canceled the debt under bad debt collection/bankruptcy for about 6 months, and then began to report it again. The credit bureaus has a lengthy amount of people complaining about the malpractices of Santander financial.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am formally disputing the late payment that has been inaccurately reported on my credit report. My records confirm consistent, timely payments, and this entry is clearly erroneous. Its continued presence misrepresents my payment history and unjustly harms my creditworthiness.

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 2025-09-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Pawn loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC
State: GA

Complaint narrative:
Received a XXXX $ loan from title max and was told to make monthly payments never in the original office visit was I told i would be paying the interest only I made all payments on the loan and once the loan got close to the payoff I checked the balance to make the final payoff and noticed the loan was still at the original amount of XXXX $ XXXX contacted title max and was told I only made the minimum payment and was paying the interest only at this time I have paid almost XXXX $ on this loan and still have a balance of XXXX $ I stop paying the loan and refused to surrender the vehicle or make another payment due to the loan already being paid completely back plus interest the loan is currently I. Bankruptcy that I can no longer pay and will be closing soon meaning the car will be back up for repossession I should have received the title back for the car due to me paying back my original amount almost twice

Company response to consumer: Closed with explanation