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

Complaint narrative:
Dear XXXX XXXX XXXX, My name is XXXX XXXX XXXX, and I am writing regarding a charge-off account in the amount of {$35000.00} from XXXX XXXX XXXX XXXX that was previously reported on my XXXX secondary credit report. 

I formally disputed this account with XXXX. As a result of their investigation, which was completed on XX/XX/year>, XXXX permanently deleted the account from my file due to its inability to be verified. 

This deletion confirms that XXXX XXXX XXXX XXXX and any associated data furnishers failed to provide verifiable and accurate information as required under the law. Therefore, Experian, Equifax, and TransUnion are legally obligated to take the same action and remove this unverifiable entry from my credit reports immediately. 

Under 15 U.S. Code 1681i of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to delete any information that can not be verified within 30 days of a dispute. Further, continued reporting of unverifiable or inaccurate information after notice of its deletion by another nationwide CRA may constitute willful noncompliance and negligence under 15 U.S. Code 1681n and 1681o, exposing the agencies to civil liability. 

If this unverifiable account is not removed within 30 days or less, I reserve the right to take further legal action, including filing complaints with the Consumer Financial Protection Bureau, my State Attorney General, and pursuing civil litigation for willful noncompliance, emotional distress, and damages pursuant to the FCRA. 

Please consider this formal notice to remove the XXXX XXXX XXXX XXXX account immediately and confirm deletion in writing. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX 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 : 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 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 XXXXXX/XX/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 2025-06-06 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 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am submitting this complaint because a consumer reporting agency has failed to fulfill its obligations under the Fair Credit Reporting Act ( FCRA ). After disputing inaccurate information on my credit report, I submitted a formal requestpursuant to 15 U.S.C. 1681i ( a ) ( 7 ) and 1681e ( b ) seeking a clear explanation of the reinvestigation process. Specifically, I asked for details regarding the steps taken to verify the disputed information, the name, address, and telephone number of the data furnisher, and any documentation used to justify the continued reporting of the item. 

To date, the agency has not provided any of the requested information. This lack of disclosure violates the FCRAs requirements for transparency and accountability and raises serious concerns about the accuracy and integrity of the reinvestigation process. The agencys failure to comply may constitute willful or negligent violations under 15 U.S.C. 1681n and 1681o and may subject it to civil liability.

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 2025-06-06 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: VA

Complaint narrative:
Dear Lendmark Customer Support, I am writing to formally dispute the inaccurate information currently being reported on my credit profile regarding my auto loan account with Lendmark.

My vehicle was recently totaled, and the insurance company issued a payment of over {$6000.00} to satisfy the remaining balance. This payment has already been processed and cleared. Despite this, my account is still being reported as 120+ days delinquent, which is both inaccurate and damaging to my credit report.

When contacted, your representative responded unprofessionally and claimed that Lendmark didnt see the payment. This is unacceptable and raises serious concerns about the accuracy and compliance of your reporting practices. Continued reporting of a paid-off debt as delinquent may be a violation of the Fair Credit Reporting Act ( FCRA ), which requires that creditors furnish only accurate and complete information.

I am requesting that you : 1. Immediately update the account to reflect the paid status and remove all delinquency notations.

2. Provide written confirmation that this correction has been submitted to all three major credit bureaus.

3. If this can not be corrected, the account must be removed entirely from my credit report due to your failure to accurately and timely update the account.

Please treat this matter as urgent. I expect confirmation of receipt and a timeline for resolution within 7 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-06-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: TransferWise Ltd
State: NV

Complaint narrative:
My Wise business account under the company name XXXX XXXX XXXX XXXX was closed without prior notice. The funds remaining in the account are being held without any clear explanation or timeline for their return. 

I submitted an appeal weeks ago and contacted their support and complaints team, but I have not received any justification for the account closure or the fund retention. 

This situation is affecting my business operations, and I believe it violates U.S. consumer financial protection laws, especially under the Electronic Fund Transfer Act ( EFTA ).

I am requesting that Wise immediately return the remaining balance or provide a legal reason for withholding it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I came into a Chase branch on XXXX XXXX XXXX XXXX XXXX  ) to pay off my mortgage I was asked to come back on XXXXXX/XX/XXXX to complete the process and scheduled an appointment. 

I met with a banker and was then directed to the teller counter. The branch was having issues and after a period I was told everything was set. 

I had expressed concerns about fees and the type of checking account I have to the banker who then took me back to the office and changed my account type After paying off my mortgage, I was then charged an additional month payment. I contacted the branch and called chase mortgage services The branch XXXX, XXXX XXXX, had looked into the matter and let me know chase would refund me within XXXX hours ( left voicemail on XX/XX/XXXXXXXX  ) I called on XX/XX/XXXX and spoke with the branch again, XXXX, and was told this would be corrected by overnight processing As of the writing of this complaint, I am still owed an entire month mortgage payment which was taken out by Chase ( over {$3900.00} )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I have reached out on numerous occasions over the past few weeks to find out why, with perfect credit, no late pays/disputes or credit inquiries my credit score dropped for XXXX to XXXX. I ended up having to send them a letter and I got an email back say information on my dispute is online. Well guess what- it isn't and when I called THAT phone number, back to the same basic auto attendant. 

Report Number XXXX Date Generated XX/XX/year> Your dispute results are currently not available online XXXX It is impossible to reach a human to discuss an issue, even though their web site says " call this number to speak with someone ''. Well, apparently that " someone '' is a very basic auto attendant and I get caught on a loop.

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 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-06-06 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 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: FL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 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: NJ

Complaint narrative:
Hi my name is XXXX XXXX XX/XX/year>. I had got my credit checked the other day & saw I have a inquiry regarding a XXXX  XXXX credit card. I tried to resolve this a while ago & thought it was fixed. It is still on my credit report. I have no acknowledgement of this account being open & would like it taken off my credit reports. I called & spoke to a representative who said i will be receiving documents in the mail to fill out regarding the account being open fraudulently but i never received them. Again, it does not belong to me nor did i have any knowledge or give authorization of somebody opening it.

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 2025-06-06 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-06-06 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: TX

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 







Incorrect Address - 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 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am a victim of a car purchase related fraud case. I purchased a XXXX XXXX XXXX XXXX XXXX XXXX. I was never able to register this car with the XXXX because the company had no title for it. This car is unable to legally be driven due to lack of up to date tags. The company closed not too long after the purchase and the company owner fled to XXXX after swindling many consumers. This incident has affected my credit significantly and after several disputes this account remains open with the bank XXXX. I am trying eagerly to get this removed from my report. This incident has been reported to the police department of XXXX XXXX who has now escalated it to XXXX  There are several XXXX XXXX XXXX involved in this case.

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 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-06-06 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: TX

Complaint narrative:
I am not affiliated with these creditors and did not authorize this inquiry. I request its prompt removal from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 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: MI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: MS

Complaint narrative:
My XXXX  account was frozen without explanation on XX/XX/scrub> 2025. I had {$160.00} in the account, including a refund from XXXX, which rightfully belongs to me. I contacted XXXX  multiple times through chat support and asked for clarification, but they would not explain the reason for the freeze and said they couldnt help me. I requested that they either unfreeze the account or allow me to withdraw my funds, but they refused both. 

I am the legal owner of the account and these funds, and I am requesting assistance in recovering the {$160.00} that is being held unfairly. This money includes a verified refund, not a disputed transaction or payment issue. I am requesting XXXX  either allow me to withdraw the funds or transfer them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: AL

Complaint narrative:
My mortgage servicer placed me on multiple XXXX forbearance and/or loan modification plans due to pandemic-related hardship. Under the CARES Act ( Section XXXX ) and guidance from the Consumer Financial Protection Bureau ( CFPB ), mortgage servicers were required to report accounts as current if they were current at the time of forbearance, or to maintain the same status they had when the accommodation started. Despite this, my mortgage company continues to report late payments on my credit report, negatively affecting my credit score. 

The Fair Credit Reporting Act ( FCRA ) also requires that furnishers of credit information report accurate and complete information to credit reporting agencies. By incorrectly reporting my account as delinquent during the forbearance periods, my mortgage company has violated these requirements. 

I have contacted the servicer multiple times requesting correction of these inaccurate late payment entries, but they have failed to resolve the issue. I am requesting that the servicer update my credit report to accurately reflect that no late payments occurred during any of the XXXX forbearance or modification periods, in compliance with the CARES Act and the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
My mortgage servicer placed me on multiple XXXX forbearance and/or loan modification plans due to pandemic-related hardship. Under the CARES Act ( Section XXXX ) and guidance from the Consumer Financial Protection Bureau ( CFPB ), mortgage servicers were required to report accounts as current if they were current at the time of forbearance, or to maintain the same status they had when the accommodation started. Despite this, my mortgage company continues to report late payments on my credit report, negatively affecting my credit score. 

The Fair Credit Reporting Act ( FCRA ) also requires that furnishers of credit information report accurate and complete information to credit reporting agencies. By incorrectly reporting my account as delinquent during the forbearance periods, my mortgage company has violated these requirements. 

I have contacted the servicer multiple times requesting correction of these inaccurate late payment entries, but they have failed to resolve the issue. I am requesting that the servicer update my credit report to accurately reflect that no late payments occurred during any of the XXXX forbearance or modification periods, in compliance with the CARES Act and the FCRA.

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