vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-17 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: GA

Complaint narrative:
am filing a formal complaint regarding inaccurate and unverifiable information being reported on my credit report by TransUnion. Specifically, the accounts reported by XXXX XXXX, a rental tradeline, and a secured credit card contain discrepancies related to dates, balances, and/or the accuracy of account reporting. 

Under 15 U.S.C. 1681i ( a ), I have the right to dispute inaccurate or incomplete information and to have the credit reporting agency investigate and delete any unverifiable data. These accounts are impacting my ability to obtain credit and housing, and I believe they are not being reported in compliance with the Fair Credit Reporting Act. 

I have previously disputed these accounts directly and have not received sufficient validation or documentation to justify their continued reporting. As a result, I am now requesting the Consumer Financial Protection Bureau to intervene. 

Please investigate this matter and ensure all inaccurate or unverifiable data is removed or corrected as required by law. I am also requesting all supporting documentation, including original source validation, that substantiates the reporting of these accounts.

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 2025-07-17 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX To : TransUnion Consumer Solutions , XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services LLC, XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian Dispute Department, XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate and Misleading Reporting XXXX XXXX  XXXX/Home Loan Account # XXXXXXXX XXXX XXXX XXXX XXXX I am writing to formally dispute the reporting of the following account appearing on my credit reports with your agency : Creditor : XXXXXXXX XXXX XXXXXXXX ( or XXXX XXXX ) Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Type : Home Loan Status : 90 Days Late Opened : XX/XX/XXXX Condition : Closed Balance : {$0.00} Date Reported : XX/XX/XXXX Count of Late Payments : 6 This account is inaccurately and unfairly reported on my credit file for the following reasons : * Why This Should Be Removed Account is Closed and Paid Off Yet Still Showing Late The account is reported as Closed, with a {$0.00} balance, {$0.00} past due, and no ongoing responsibility. However, the status still shows 90 Days Late, and 6 late payments remain on record despite the account being settled and no longer delinquent. Continuing to show the account as late despite being closed and settled is misleading and does not reflect my current credit standing.

* High Balance Misreporting Between Bureaus I also noticed significant inconsistencies in how the high balance is reported across bureaus : * TransUnion and Equifax report a high balance of {$320000.00}.

Experian reports a high balance of {$0.00}.

This discrepancy indicates that at least one bureau is reporting incorrect information and suggests that the data from the furnisher is unreliable.

* FCRA : Accurate and Complete Reporting Required Under the Fair Credit Reporting Act ( FCRA ), all information reported on a consumers credit file must be accurate, complete, and not misleading. Reporting a {$0.00} balance, {$0.00} past due, yet keeping the derogatory 90 Days Late and 6 late payments active misrepresents the account and harms my creditworthiness unnecessarily.

* Account Was Resolved Years Ago Unfair Damage to Credit Profile The account was opened in XXXX  and has since been closed, yet derogatory remarks continue to weigh on my report nearly a decade later. This does not fairly reflect my current financial responsibility or payment behavior.

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 2025-07-17 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX To : TransUnion Consumer Solutions , XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services LLC, XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian Dispute Department, XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate and Misleading Reporting XXXX XXXX  XXXX/Home Loan Account # XXXXXXXX XXXX XXXX XXXX XXXX I am writing to formally dispute the reporting of the following account appearing on my credit reports with your agency : Creditor : XXXXXXXX XXXX XXXXXXXX ( or XXXX XXXX ) Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Type : Home Loan Status : 90 Days Late Opened : XX/XX/XXXX Condition : Closed Balance : {$0.00} Date Reported : XX/XX/XXXX Count of Late Payments : 6 This account is inaccurately and unfairly reported on my credit file for the following reasons : * Why This Should Be Removed Account is Closed and Paid Off Yet Still Showing Late The account is reported as Closed, with a {$0.00} balance, {$0.00} past due, and no ongoing responsibility. However, the status still shows 90 Days Late, and 6 late payments remain on record despite the account being settled and no longer delinquent. Continuing to show the account as late despite being closed and settled is misleading and does not reflect my current credit standing.

* High Balance Misreporting Between Bureaus I also noticed significant inconsistencies in how the high balance is reported across bureaus : * TransUnion and Equifax report a high balance of {$320000.00}.

Experian reports a high balance of {$0.00}.

This discrepancy indicates that at least one bureau is reporting incorrect information and suggests that the data from the furnisher is unreliable.

* FCRA : Accurate and Complete Reporting Required Under the Fair Credit Reporting Act ( FCRA ), all information reported on a consumers credit file must be accurate, complete, and not misleading. Reporting a {$0.00} balance, {$0.00} past due, yet keeping the derogatory 90 Days Late and 6 late payments active misrepresents the account and harms my creditworthiness unnecessarily.

* Account Was Resolved Years Ago Unfair Damage to Credit Profile The account was opened in XXXX  and has since been closed, yet derogatory remarks continue to weigh on my report nearly a decade later. This does not fairly reflect my current financial responsibility or payment behavior.

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 2025-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit 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 XXXX XXXX XXXX CA XXXX ACCOUNTS : XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$260.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2700.00} INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/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 2025-07-17 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: PA

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Transunion data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in XXXX business days.

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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX opened in XXXX2025 XXXX XXXX XXXX XXXX opened in XXXX.2025 XXXX XXXX XXXX XXXX opened in XXXX.2025

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 2025-07-17 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number XXXX [ XXXX ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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:
This is a formal complaint against Equifax for the illegal reinsertion of a previously deleted fraudulent account on my credit report, in violation of federal and state laws, including but not limited to : FCRA 605B ( 15 U.S.C. 1681c-2 ) 611 ( a ) ( 5 ) ( B ), 623 ( a ) ( 3 ), 611 ( d ), and 607 ( b ) State-level consumer protection laws governing fraud, privacy, credit reporting, and deceptive business practices Violations of Federal Law ( FCRA ) : FCRA 605B ( 15 U.S.C. 1681c-2 ) : The identity theft-related account was not blocked within four business days of receipt of my valid Identity Theft Report issued by the FTC ( FTC report number : 186897166 ).

FCRA 611 ( a ) ( 5 ) ( B ) : A previously deleted account was reinserted without the proper certification from the data furnisher.

FCRA 623 ( a ) ( 3 ) : The account information was not updated or corrected after being disputed.

FCRA 611 ( d ) : I was not notified in writing within five business days of the accounts reinsertion. 

FCRA 607 ( b ) : The maximum possible accuracy of the reported information was not ensured.

FCRA 604 15 U.S.C. 1681b : The account was reported and reinserted without any permissible purpose under the law, as I never authorized nor gave consent for my information to be used or shared. This violation further aggravates the fraudulent and unauthorized nature of the reporting. 

Violations of State Law : In addition to federal violations, these actions infringe upon state consumer protection laws, which vary by jurisdiction, but generally include : Unfair and Deceptive Acts and Practices ( UDAP ) laws under state consumer protection statutes State-level identity theft protection laws that require proper response to fraud claims and govern how credit information must be reported State privacy laws prohibiting unauthorized use or disclosure of personal information Negligent or intentionally false representation during credit reporting and reinsertion processes Small claims court provisions allowing me to seek compensation for : Financial damages Harm to my reputation Emotional distress Statutory penalties Example ( for Florida residents XXXX : Violations of Floridas Deceptive and Unfair Trade Practices Act ( XXXX ) and Floridas Identity Theft Protection Act, which mirror federal protections but provide a private right of action with statutory penalties and recovery of legal fees. 

Damages suffered : Sudden drop in my credit score Denial of a mortgage prequalification Financial burden and reputational damage Hours upon hours spent correcting an illegal report where the credit bureau never properly assists Emotional distress from prolonged exposure to fraud and denial of financial instruments Persistence of false data despite having filed a certified formal dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was issued a rental car as part of an insurance claim. The car was supposed to be paid for by my insurance company ( XXXX ), but of course, the rental car company ( XXXX ) wanted a credit card on file and {$100.00} dollar " deposit ''. I gave them my Chase card and explicit instructions not to charge it anymore without telling me. Because this made me nervous, I also called Chase customer service and told them not to authorize any further charges from XXXX without calling me first, as a precaution. I do not know the exact date but this took place in early XX/XX/year>, and I know Chase has a record of the call. The rep I spoke to assured me that blocking such charges was something they could do and would. I rested assured that this step had been taken while XXXX dragged out my claim for months, necessitating the continued use of the car. I did not hear anything further from Chase until XX/XX/year> when I got a text message from the fraud department saying my card had been declined for a charge of {$430.00}. The charge was only declined because the card was maxed out. They had ALREADY authorized {$1900.00}. I immediately returned the car, even though I still had an open claim with XXXX, and began the complaint/ resolution/ arbitration process with Chase. After spending untold hours on the phone across multiple weeks, trying to speak to someone who could actually understand and help me, including physically going in to several Chase branches, I just gave up. They keep telling me they did a " fraud investigation '' and since I actually rented a car the charges are legit. What they don't seem to want to understand is they misled me about preventing those charges, told me inaccurate information, and I was XXXX clear that I did not want this card charged BEFORE the fact and they did it anyway. While three companies let me down in this scenario, I feel the buck should stop with Chase. While nobody from their internal resolutions team can ever seem bothered to call me back, now the account has gone to collections and I get calls about 3 times a day to collect the bogus bill. I had excellent credit before all this. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: IA

Complaint narrative:
I have an account with XXXX XXXX XXXX, and XXXX uses TransUnion 's credit score services to calculate credit scores. I have been receiving alerts from XXXX that I have a delinquent account with XXXX XXXX XXXX that TransUnion had been reporting since XXXX of this year. However, I have never created an account with them and after contacting XXXX XXXX XXXX, they confirmed this when they told me that they do not have any accounts that are under my name or information. So I called TransUnion to tell them that the information they have on me is incorrect. But, for some strange reason the delinquent account is nowhere on my credit report with TransUnion, and yet it is still being reported as mine and is being factored into my credit score. TransUnion has been very uncooperative and told me that they can not do anything to fix this.

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 2025-07-17 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:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

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 2025-07-17 00:00:00
Product: Prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I have lost one of my {$3000.00} gift cards, last 4 digits XXXX, after getting breakdown of charges noticed there are over {$1200.00} unauthorized charges on it. American express gift cards rejected my complain and i appealed it, They send me a replacement card. after spending the replacement card, i activated another # XXXX gift card, last 4 digit XXXX, i realized they that American express has blocked that card as well. called them and they verbally told me that the replacement card they had sent me months ago was a replacement for new card XXXX as well??

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA

Complaint narrative:
Hi, I received the bill from XXXX of XXXX XXXX for the property I own. The payment due date is XX/XX/year> and today is XX/XX/year>. I called Pennymac and asked them XXXX simple questions. 
XXXX. Did you receive the bill? 
Pennymac response is, they did not receive the bill XXXX. When do you plan to make the payment? 
As bill itself is not received, how would they make the payment on time Concern from me as consumer : It's a grey area. Pennymac didn't provide any good response. I don't know if the payment will be made on time. On talking to XXXX XXXX XXXX XXXX XXXX, they confirmed that they sent the bill to Pennymac. Also the Mortgage Co is listed as XXXX. As they have other layers or third parties involved, may be there is no communication or coordination. Bottom line is they can not respond to the above XXXX questions. My worry is what if the payment is not done by due date. Whatever comes after this fact becomes my responsibitlity. For example they may say that this is a supplemental bill that they don't cover. This could be a different bill etc? There is no clarity on how customer would know if this is a bill to be paid from escrow vs customer pay directly?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
I am being required to pay my mortgage with certified funds because of returned ACH autodraft payments due to timing. I did not receive clear or timely notice that this would trigger a penalty, and I have attempted multiple times to make payment using alternative methods. 

I am trying to pay in good faith, but XXXX XXXX ( on behalf of Sofi Mortgage  ) is refusing to provide wiring instuructions or an overnight address and will not allow me to make payment by phone, online, or other same day options. 

Their refusal to offer a workable solution has caused a late mortgage payment to be reported on my credit as well as accumulating late fees all while I have offered and have actively been trying to make the payment. I believe this is unreasonable and punitive and I am asking that they allow me to make my payment immediately via wire transfer, phone, or overnight delivery. 

Further, as I was unaware that the result of returned payments would be revocation of access to make payments online when I have never paid after the 15th previously ( and still would not have to date had this not occurred ) I would request my access to make online payments under my account be reinstated. 

Thank you for your time and I appreciate your assistance. 

XXXX XXXX

Company response to consumer: Closed with explanation