vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-28 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: ME

Complaint narrative:
I am writing to dispute inaccurate and derogatory information being reported on my TransUnion credit file. The following accounts contain reporting errors that are unfairly lowering my credit score.

Pursuant to the Fair Credit Reporting Act ( FCRA ) 609 and 611, I am requesting that these items be investigated, verified, and corrected or deleted within 30 days. 
XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Account Opened : XX/XX/XXXX Reported Status : Charge-off / Profit and Loss Write-off ( Closed XX/XX/XXXX ) Dispute Reason : I dispute this charge-off status as inaccurate. I was not properly notified of the charge-off, and the account may have been misreported as a profit and loss write-off in error. I request full verification from XXXX XXXX XXXX, including documentation showing the debt was charged-off and that they had legal right to report it as such.

If verification can not be produced, please delete this account entirely or update it to Paid as Agreed/ Closed in Good Standing. 
XXXX XXXX XXXX Creditor : XXXX XXXX XXXX Account Opened : XX/XX/XXXX Reported Status : 90119  Days Late, Credit Line Suspended ( Balance : {$1200.00} / Limit : {$1000.00} ) Dispute Reason : This account shows late payments and a suspended line, but I was not properly notified of any delinquency or suspension. The account should not reflect late payment history unless verified by original billing records. I request investigation and deletion or correction of this negative reporting if XXXX can not validate it under FCRA 611 ( a ). 
XXXX XXXX XXXX Creditor : XXXXXXXX XXXX XXXX XXXX  Account Opened : XX/XX/XXXX Reported Status : 90119 Days Late, {$48.00} Past Due Balance Dispute Reason : I dispute the reported delinquency and past-due balance. I have reason to believe this reporting is inaccurate or the payment was received but not applied. Please verify all billing and payment records from XXXX XXXX. If the furnisher can not substantiate the late payments, remove the derogatory marks or delete this account. 
XXXX XXXX XXXX  Creditor : XXXX XXXX XXXX  ( XXXXXXXX XXXX XXXX ) Account Opened : XX/XX/XXXX Reported Status : 114 % Utilization / Derogatory Dispute Reason : This account is incorrectly listed as derogatory, despite being current with 100 % on-time payment history. Please verify this accounts status and update it to reflect Pays as Agreed. Also confirm that the balance and limit were reported accurately as of XX/XX/XXXX. 
Requested Resolution Please initiate an investigation for each account and delete or correct any unverifiable or inaccurate information. I request written confirmation of the results within 30 days of receipt of this letter.

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 2025-10-28 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: CA

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-10-28 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: FL

Complaint narrative:
Im filing this complaint because my credit report continues to show outdated personal information, even though Ive been disputing it for quite some time. Ive submitted multiple documents, including a recent Proof of Address, to verify my current information during the dispute process, yet the incorrect details are still being reported.

The outdated information still showing on my credit report includes : Outdated address : XXXX XXXX XXXX, FL XXXX Outdated Employer : XXXX XXXX  Date Updated : XX/XX/year> This information is no longer valid and does not reflect my current situation. Despite several disputes and document submissions, the credit bureau has not updated my report to reflect the most recent and accurate data.

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 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center.

regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-10-28 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: AL

Complaint narrative:
Pursuant to the Fair Credit Reporting Act, I request a full reinvestigation of the following inaccurate or incomplete information currently shown in my Equifax file dated XX/XX/2025. 
1. Balance Inconsistencies My Equifax report shows total balances of {$550000.00}, materially inconsistent with the same accounts as reported by XXXX  ( {$95000.00} ) and XXXX  ( {$380000.00} ). Violation : 15 U.S.C. 1681e ( b ) duty to assure maximum possible accuracy.

Requested Remedy : Reverify all balances with furnishers and correct or delete unverifiable entries.

2. Personal Identifiers Remove outdated or inconsistent identifiers to prevent mixed-file risk : Variations of name ( XXXX XXXX , missing suffix ) Outdated addresses ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Retain only : XXXX XXXX XXXX XXXX XXXX AL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: CA

Complaint narrative:
These are inaccurate items. They show as late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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:
These accounts are being fraudulently reported under my name without my explicit authorization or knowledge, and I have never authorized, managed, or consented to them in any capacity. This is absolutely intolerable and a blatant infringement on my rights, as it injects false and damaging information into my financial history. I regard my credit profile with the utmost seriousness, and the existence of these unauthorized accounts has inflicted severe distress and potential long-term harm. I require instant, transparent clarification on how these accounts materialized and who is accountable for reporting them.

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 2025-10-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation
State: LA

Complaint narrative:
One Main - Paid off $ ) n balance and I went and paid it in full it was added to my tax returns in which that added like income. so I paid after I was affected by this XXXX  Data Breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Mortgage — USDA mortgage
Issue: Trouble during payment process — Payment process
Company: Movement Mortgage LLC
State: VT

Complaint narrative:
On XX/XX/XXXX my next bill was due to movement mortgage on XX/XX/XXXX and i attempted to pay that bill putting my account three months ahead has I'm allowed per the terms of the loan. The payment was not processed properly and instead was applied to the principal making my next payment still due XX/XX/XXXX which it should have moved one month out to XX/XX/XXXX making my account exactly three months ahead as in allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: MO

Complaint narrative:
On Saturday, XX/XX/XXXX, I received a notification that my Robinhood trading account was restricted. The requested that I send a front and back photo of my ID, a selfie, and bank statements from my two checking accounts.

I felt that this was strange, and unexpected considering I had already verified my identity at the time of account opening, and have been trading on their platform for many years. I still promptly provided them with the requested information.

I then reached out to someone via their live chat support, and was told that I needed to speak with someone over the phone. I requested a phone call and did not receive one. Shortly after, I received an email from someone saying that I would hear something in 4 days to which I responded asking for a phone call or some explanation for this restriction. I received another email with the exact same wording as the first email. Later that evening, I received another email saying the restriction was removed, but it never was.

I spoke with someone again via their live chat, and was told the literal exact same thing. I have since received several of the exact same emails, just with a different agent name. 
Today, XX/XX/XXXX, I finally received a phone call saying that I would hear something in 4 days, and de

spite me telling the agent that it had already been 4 days, he told me there was nothing he could do and proceeded to hang up on me. Their customer service team is beyond terrible, and just copy and paste generic responses with no real answers. Robinhood will not allow me to move any money out of my account, will not allow me to place any trades, and has completely frozen my account. I was planning to move money out for rent and bills this week, but am unable to now. Robinhood has failed to provide me with any explanation as to why all of the sudden I am restricted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
I am writing to formally express my concerns regarding sales handling and disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Dispute uses chime numerous times and reporting discrepancies, my financial institution and chime failed to investigate my claims adequately.They informed me that unfeasible. The CFPBs findings indicate that chime has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Ocwen Financial Corporation
State: CO

Complaint narrative:
My mortgage loan with PHH mortgage was placed into default in XX/XX/year>, due to un-employment hardship. I applied for a mortgage assistance plan a couple of times but am unable to get them to understand what I am requesting. They keep denying a modification saying my loan is not-eligible for the programs. I have not specifically asked for a modification but rather simply a forbearance or deferment of the outstanding payments to be placed at the end of the loan. My business has improved an I am now able to continue making the monthly payments but it is too far behind and I'm required to pay the entire late balance of 4-5 months, which I am unable to do. However, there is ample equity in the home that would allow for the late payments to be moved to the end of the loan, the current equity is approximately {$750000.00} with an estimated value of {>= $1,000,000}. I would much prefer to keep the house and continue making the regular monthly payments than to have to sell right now to keep PHH from foreclosing. Market conditions for selling a home in my area are not favorable right now as well as the winter/holiday season also being the slowest of the year.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Sequium Asset Solutions, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2025 paid collection peoples that I should not had to pay for XXXX return policy say it was closed out at XXXX. How can you know they didnt stop the line number when I have business account the same day started correctly the lady at XXXX never activated a business account. It had no service but it had 2 numbers on 1 line. It was closed though XXXX XXXX XXXX and said return to XXXX same 1 hour after deactivation process, The phone serial was verified returned to warehouse the representative said they was going clear this up cause the phone they have in warehouse.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: AL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U. S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-28 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: AL

Complaint narrative:
I am writing to formally dispute the accuracy and completeness of certain information appearing in my Experian credit file dated XX/XX/2025. This is my official notice under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), requesting a reasonable reinvestigation and correction or deletion of the following items.

XXXX. Dept. of Education / XXXX Account # XXXX Issue : Reported Dispute resolvedconsumer disagrees. 
Violation : Misleading and incomplete status violates 1681e ( b ) and 1681s-2 ( b ).

Requested Remedy : Conduct a documented reinvestigation ; if the furnisher can not provide verified proof, delete this remark and any related derogatory indicators. 
XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXX Issue : Still showing Customer disputed accountreported by subscriber. 
Violation : Continued reporting of a resolved dispute is inaccurate per 1681s-2 ( b ).

Requested Remedy : Verify current status and remove disputed notation unless the dispute is active. 
XXXX. Balance Inconsistencies Experian lists total balances of {$380000.00}, inconsistent with XXXX  ( {$95000.00} ) and XXXX  ( {$550000.00} ).

Violation : 1681e ( b ) failure to ensure maximum possible accuracy.

Requested Remedy : Correct all discrepancies or remove unverifiable data. 
XXXX. Personal Identifiers

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 2025-10-28 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: FL

Complaint narrative:
I am writing to dispute inaccurate and unverifiable information appearing in my Experian credit file. Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) you are required to conduct a reasonable reinvestigation of any disputed item, and under 1681e ( b ) you must maintain the maximum possible accuracy of my credit data.

The following accounts are in error : XXXX. XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Reported as Charge-off / Collection.

o Balance of {$5900.00} exceeds credit limit of {$5000.00}.

o Dates of last activity and payment conflict across bureaus ( XXXX XXXX XXXX ).

o I request deletion or full verification because this tradeline appears inaccurate and incomplete under 1681e ( b ). 
XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX XXXX XXXX XXXX XXXX XXXX Reported as Collection.

o No proof of validation or chain of title provided.

o Please verify all details or delete this tradeline pursuant to 1681s-2 ( b ) and the FDCPA 1692g validation requirement.

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 2025-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: OR

Complaint narrative:
I was charged {$30.00} at XXXX on XX/XX/year> and cash app held my balance until it updated to the correct amount of {$30.00} at XXXX. At XXXXXXXX XXXX the charge updated to {$60.00} on cash apps end. I called XXXX and they gave me a receipt showing proof that the only transaction on their end is {$30.00}. ( see attachment ) I was double charged by cash app for gas at XXXX and they denied my appeal and said it is their final decision. Cash app owes me {$30.00}. The supervisors only email you decisions and will not overturn the appeal even with my receipt showing proof of the actual fuel amount.

Company response to consumer: Closed with explanation