vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-29 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: MD

Complaint narrative:
I submitted a formal dispute to the credit bureau, including all documentation required under federal lawnamely, a valid Identity Theft Report, proof of identity, and a written request pursuant to FCRA 605Brequesting the timely removal of fraudulent information from my credit report. Despite full compliance with these statutory obligations, the bureau failed to block the disputed information within the four-business-day timeframe mandated by law. I respectfully urge the CFPB to investigate this clear violation of the Fair Credit Reporting Act and to take appropriate enforcement action to ensure the permanent removal of the fraudulent data. For your review, I have enclosed copies of my dispute letter and all supporting documentation.

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 2025-07-29 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: MD

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 2025-07-29 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: MD

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 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 2025-07-29 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: GA

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: GA

Complaint narrative:
I have disputed this account multiple times as inaccurate and in violation of FCRA 623,15 U.S. Code 1681s-2 ( a ) ( 2 ) : Duty to Correct and Update Information, 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) : Reporting Inaccurate Information and XXXX XXXX  reporting guidelines . 

The furnisher has failed to provide verification, continues to report incomplete or misleading data, and has ignored reasonable investigation timelines.

Due to this, I have filed a lawsuit in XXXX XXXX XXXX XXXX case # XXXX  I am requesting an immediate deletion of the tradeline. Please see attached lawsuit documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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 is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : 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 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 2025-07-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: UNITED AUTO ACCEPTANCE
State: IA

Complaint narrative:
I contact the company and stated for information. They denied to provide information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: IL

Complaint narrative:
Dear XXXX XXXX XXXX, This letter serves as a formal cease and desist notice regarding any and all communications you or your agency initiated or may attempt to initiate concerning any alleged debts associated with my name and credit report.

Under 15 U.S.C. 1692 c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), once a consumer notifies a debt collector to show verifiable proof that you have legal right to collect debt and refuse to show proof request to cease further communication I must emphasize that, under FDCPA Section 809 ( b ) collection activity is prohibited until the debt is duly validated. The court ruling Boatley v. Diem Corporation ( No.Civ03-0762, D.C. Ariz. 2004 ) confirms that reporting a collection account constitutes collection activity.

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 2025-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Fraud was detected on the account. Claim was denied even though all transactions were unauthorized.

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 monetary relief
Consumer complaint received 2025-07-29 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: FL

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: MO

Complaint narrative:
Lakeview ( Mr. Cooper ) servicing agency is in default of Insurance payment from our Escrow account. Several calls from XXXX XXXX XXXX XXXX XXXX and several calls from myself have resulted in a default on our insurance coverage. NEED HELP IMMEDIATELY I was hung up on twice on friday XX/XX/XXXX, the due date for the insurance payment!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Abra

Complaint narrative:
Hi, I would like to report Abra app ( XXXX XXXX XXXX  ), I have a existing holding in their app which earn interest by staking my coins and they call it Abra Boost, but recently I noticed that their staking now are not giving any earning or interest from your staked coins, so I reach out to them to clarify what happen but this time there is no response from their end. I also try to withdraw my staking coins from their app - Abra app but currently withdrawal and temporarily unavailable and it is been more 2 weeks now and log another ticket about the withdrawal but same as my first query there is no response from their support. I even reach out to their local subsidiary ( XXXX XXXX XXXX XXXX ) here in the XXXX but unfortunately the address of their company here is no longer correct because when I inquire to the building there is no such company that are renting in their building, I even reach out to our local SEC ( Security and Exchange Commission ) and got their latest address but the company is not found in their new address. So I decided to reach out to you to report Abra company from their wrong practice to their application users like me. I can provide transaction history as evidence and other screenshot as evidence on my claims.

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 2025-07-29 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: CA

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2025-07-29 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: LendKey Technologies, Inc.
State: DE

Complaint narrative:
When I originally called in to sign up forbearance in XXXX of XXXX the representative at Lendkey told me there was no limit on forbearance. There is also no information on my loan home page about an amount of months you can forebear. When I went to reapply my forbearance request in XX/XX/XXXX I was denied saying I had exhausted forbearance and my loans would be between $ XXXX a month, I let them know I couldnt afford it and was told theres nothing further could do. I have been making payments each month but am behind 3 months today. I get constant letters threatening to send me to collections and in those letters I am told to contact lendkey for payment arrangement, and when I call to see if they have any payment arrangements or assistance I am told no. And to try to pay what is due. 

my rate continues to rise each month after they mark it as the maximum rate it could be. This has ruined my credit and now I can not refinance

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: SC

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : 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 non-monetary relief
Consumer complaint received 2025-07-29 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: Aldous & Associates, PLLC
State: NY

Complaint narrative:
I am formally filing a complaint with ALDOUS Original creditor XXXX XXXX regarding inaccurate data reported on my credit file. This information fails to meet compliance standards, has not been properly validated, and lacks sufficient documentation to verify its accuracy. 

I have identified potentially erroneous entries on my credit report. As a consumer, I am entitled to request the prompt removal of this account, in accordance with my rights under both federal and state consumer protection laws. This complaint is being made to ensure that the information you are reporting complies with FACTA, specifically Title 1, Section 151, which mandates a clear description of the verification process used.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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  XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> XXXX XXXX XXXXXX/XX/year> 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 2025-07-29 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: PA

Complaint narrative:
I disputed a XXXX account on my Equifax report because Ive been paying XXXX  XXXX  not XXXX since XXXX. XXXX told me directly that they no longer accept payments and referred me to XXXX to manage the debt. 

Despite that, XXXX is still reporting this account as if it is active, open, and collecting payments. My Equifax report even shows a last payment in XX/XX/XXXX XXXX did not receive that payment. XXXX did. 

This reporting is inaccurate and misleading under the FCRA. If XXXX no longer services the debt, they should not be furnishing status codes, late payment data, or a balance. The account should be removed or corrected to reflect the true servicing party. 

Equifax merely updated the tradeline instead of correcting or removing it, even though I provided evidence and XXXX confirmed they are no longer collecting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: FL

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-07-29 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: FL

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: WV

Complaint narrative:
I filed a dispute with Chime on XX/XX/year>, for the amount of {$110.00} related to a transaction at XXXX XXXX, where I received a nail service on XX/XX/year>. The salon provided services under severely unsanitary conditions, which led to physical harm. Within 24 hours of the service, both of my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. As of today, they have not grown back, and I remain in pain and discomfort. 

This was not a matter of dissatisfaction this was bodily injury caused by what I believe were unsterilized tools or unhygienic practices. I have two young children, and this has significantly interfered with my daily life and ability to care for them. 

I filed the dispute on XX/XX/XXXX, and as of XX/XX/year> XXXX full business days later I have not received the provisional credit I am entitled to under Regulation E ( 12 CFR 1005.11 ). I have also not received any written notice extending the investigation, which is required by law if a bank needs more than 10 business days. 

On XX/XX/XXXX at XXXXXXXX XXXX, I contacted Chime customer service via cell phone call and was told the transaction was ineligible for provisional credit because it involved goods or services. However, this is not a valid exemption under Regulation E. A transactions category does not disqualify it from provisional credit unless the investigation is completed within 10 business days and no error is found. Chime has admitted the investigation is still ongoing, making the refusal to issue provisional credit a clear violation of federal law. 

I am requesting that the Consumer Financial Protection Bureau enforce compliance and require Chime to issue the {$110.00} provisional credit immediately and respond formally to the dispute, in accordance with the protections outlined in Regulation E.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: IL

Complaint narrative:
XXXX reported I was 3 months late, they pulled the payment they created monthly ; I called and informed them you have been pulling payment monthly, never late, I was never notified my payment going to increase, nor the payment they pulled at the amount they created was not enough, I really work hard on my credit, I been a victim by XXXX  and XXXX  XXXX reporting me late due to there computer issue not pulling my payment, I am never late with my payment, then I have issues like this, were they make mistake, and they become victim, I saw a video on XXXX XXXX, you help consumers who are victims, please help, I disputed XXXX, thank you so much

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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 am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX  # XXXX XX/XX/XXXX -- {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3300.00}

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