vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-23 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: TX

Complaint narrative:
My name is XXXX XXXX, my Social Security Number is XXXX, my Date of Birth is XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an account opened with XXXX  on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX  an account opened with XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX A loan account opened with XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX  A credit card account opened with XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX An account opened with XXXX on XX/XX/XXXX account number XXXX XXXX XXXX XXXX XXXX  A loan account opened with XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. 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 consumer credit accounts, collections, and 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 non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP
State: OH

Complaint narrative:
RE CARD XXXX US Bank sent me a promotion to open a Business Credit Card and RECEIVE A PROMOTIONAL bonus after spending {$6000.00}. I earned that bonus last billing cycle and they issued it and then removed it so I can not redeem it. I have contacted US Bank many times in XXXX and XXXX regarding disappearing rewards money but they never addressed that issue. I am under the impression this is done on purpose to attract people and make them spend money and not receive a bonus. There are other issues as well, credit line issues are made extremely low not to allow to meet spend bonus requirements. ALso, making payments is very difficult to website/app set up with two separate logins and bills moving fr5om account to the other.

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 2025-07-23 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: SC

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I submitted formal disputes to all three major credit bureaus TransUnion, Experian, and Equifax regarding inaccurate, outdated, or unverifiable information appearing on my credit report. I provided detailed explanations and supporting documentation. However, despite the 30-day requirement under the Fair Credit Reporting Act ( FCRA ) Section 611 [ 15 U.S. Code 1681i ], the credit bureaus failed to correct or remove the inaccurate data.

This violates my rights under the FCRA, including : Section 1681i failure to conduct a reasonable reinvestigation within the required timeframe Section 1681e ( b ) failure to maintain maximum possible accuracy in my consumer file I am requesting that the Consumer Financial Protection Bureau step in to ensure these credit reporting agencies comply with federal law and remove the inaccurate and unverifiable information from my credit report.

I am attaching copies of my previous dispute letters and any supporting documents for your reference.

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 2025-07-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I submitted formal disputes to all three major credit bureaus TransUnion, Experian, and Equifax regarding inaccurate, outdated, or unverifiable information appearing on my credit report. I provided detailed explanations and supporting documentation. However, despite the 30-day requirement under the Fair Credit Reporting Act ( FCRA ) Section 611 [ 15 U.S. Code 1681i ], the credit bureaus failed to correct or remove the inaccurate data.

This violates my rights under the FCRA, including : Section 1681i failure to conduct a reasonable reinvestigation within the required timeframe Section 1681e ( b ) failure to maintain maximum possible accuracy in my consumer file I am requesting that the Consumer Financial Protection Bureau step in to ensure these credit reporting agencies comply with federal law and remove the inaccurate and unverifiable information from my credit report.

I am attaching copies of my previous dispute letters and any supporting documents for your reference.

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 2025-07-23 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: FL

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
I needed a car and I went to the dealer. Out of nowhere, they told me not to put any money down and that they would approve me. When I went to sign, they didn't give me the paperwork in XXXX, everything was in XXXX. I never realized that the interest was 29 % and that's abuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: IL

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit report all of which I did not initiate, authorize, or recognize. I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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:
I am a verified XXXX XXXX XXXX XXXX  and submitted my required documentation to Equifax under Section 605C of the Fair Credit Reporting Act ( FCRA ) and 12 CFR 1022.142. This law requires Equifax to block all adverse credit information resulting from trafficking within 4 business days of receiving proper documentation. Despite providing my Self-Attestation form and supporting materials multiple times, Equifax continues to mishandle my submission by treating it as a basic dispute and stating it will take 25 to 30 days to " investigate. '' This violates federal law, which clearly states blocking must occur within 4 business days, not after an extended dispute process. I have resubmitted my documents multiple times, made it clear this is a 605C submission, and cited the proper regulation, yet Equifax continues to mishandle my case. Equifax 's failure to properly process my trafficking-related claim has caused ongoing harm to my credit and violates my rights under FCRA 605C .

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 2025-07-23 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: TN

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXXDebt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-07-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company
State: PA

Complaint narrative:
My mortgage was recently sold from XXXX XXXX to Freedom Mortgage Company in XX/XX/year>. 

I set up my new autopay with Freedom the same way it had been working before : Biweekly payments to draw down the principal more quickly than with just monthly payments. My goal is to reduce the amount of interest that I will ultimately pay over the course of the mortgage. Its not about my personal budget/ spreading the cost over the month. Im trying to reduce my burden of interest. 

Today ( XX/XX/XXXX ) I received my first monthly statement from Freedom and was very upset to see how they are applying the mid-month payment. They have received my first biweekly payment but rather than applying it to my account, theyve held it in an unapplied funds account until they receive the remaining balance for the month. 

Upon this realization, I called them, and their representative said thats just how they do it and theres no way for them to apply a partial payment to the account as soon as its received. 

I think this is absolutely a lie and is absurd. My biweekly payment included an extra {$20.00} for principal and THAT was applied to the account mid-month. 

Freedom actually offers TWO different ways to make a partial payment : twice a month /semi-monthly, and biweekly. In other words theyre giving consumers the means to set up a partial payment because they know many of us are interested in the idea of adding an extra payment in a year with a biweekly approach and/or drawing down the principal more quickly. BUT theyre not actually enabling us to do that, because theyre holding our money in limbo without depositing it in the account.

Further, Im missing out on the opportunity to earn interest on that partial payment money. 

I paid that money to Freedom with the understanding that it would be immediately applied to my account. Its fraudulent that theyre holding it and not doing what they agreed to do as the holder of my mortgage.

Please help resolve this. The company is predatory and acting in a fraudulent manner.

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 2025-07-23 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: OH

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-07-23 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: NJ

Complaint narrative:
I kindly request that you investigate this matter and correct the status of my account to reflect the timely payment. I would appreciate your confirmation once this issue has been resolved. The imposition of this charge is not only incorrect but also a violation of our agreement. Please review your records regarding this payment. I have enclosed copies of documents and attached the report to verify that the payment was processed before the due date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: CA

Complaint narrative:
Let me be absolutely clear : this complaint is legitimate and requires your immediate attention. My credit report contains inaccurate information that fails to meet the legal requirement of maximum possible accuracy under the Fair Credit Reporting Act ( FCRA ). These errors are causing serious and ongoing harm to my financial well-being, and their continued presence is unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: TX

Complaint narrative:
This is my second request disputing unauthorized and fraudulent inquiries on my credit report. The credit reporting agency reporting inquiries are factual but no validation. 

Details of Unauthorized Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX EQUIFAX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Chime Financial Inc
State: VA

Complaint narrative:
Chime bank put a missed chime credit builder secured credit card payment on my credit report and said I owed money but it is impossible to owe them money when I have to use my own money for the secured card and then I disputed it with credit karma and my dispute was approved but they still keep updating it and I have contacted them on many occasions and nothing has been done

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SSN : XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX To : LVNV Funding LLC XXXX. XXXX XXXX XXXXXXXX XXXX  XXXX RE : FORMAL DISPUTE & DEMAND FOR VALIDATION OF ALLEGED ACCOUNT # XXXX {$820.00} To Whom It May Concern, This letter is being sent as a formal dispute and demand for complete legal validation of the above-referenced account currently being reported and/or collected by LVNV Funding / LVNV Funding LLC in my name . 

I, XXXX XXXX XXXX, do not acknowledge this alleged debt and request immediate cessation of all collection efforts and credit reporting until full validation is provided as required by law. 

You are bound by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Uniform Commercial Code ( UCC ) 1-308 and 3-501 to provide the following documentation : The Original Signed Contract or Promissory Note bearing my wet signature. No digital reproductions, applications, or system-generated documents are acceptable. 
A Binding Agreement that outlines the terms, conditions, and full breakdown of the alleged balance of {$820.00}. 
A Full Transactional Flow Sheet showing all charges, interest, fees, payments, and account activity from inception to present. 
Proof of Assignment from the original creditor to LVNV Funding LLC, including a legal bill of sale or transfer agreement, and full chain of custody. 
Proof that this debt is not past the Statute of Limitations for collection in Illinois, including documentation showing the last activity date and basis of claim. 
Proof that LVNV Funding LLC is properly licensed and legally authorized to collect debts in Illinois, including license number and issuing agency. 
The name, department, and direct contact information of the individual who verified this debt with any credit reporting agency. 
A sworn affidavit or written statement confirming that you did not use e-OSCAR or any other automated system to verify this account, as such methods violate the FCRA 's standard for a lawful reinvestigation. 
If you can not provide all of the above, you are in direct violation of federal law and must : Immediately remove this account from XXXX, XXXX, and XXXX  Cease all further collection efforts or communication Failure to comply within 15 calendar days from receipt of this letter will result in : Formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Illinois Attorney Generals Office Legal action to pursue statutory damages for each violation of the FDCPA, FCRA, and UCC Under UCC 1-308, I reserve all rights without prejudice. This letter serves as your final legal notice. 

Sincerely, XXXX XXXX XXXX XXXX : XXXX DOB : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX GA XXXX ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief