vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am formally disputing the re-insertion of the account reported by XXXX XXXX XXXX showing an {$86.00} balance, opened on XX/XX/XXXX. This account was previously deleted following a valid dispute and has now reappeared on my credit report as of XX/XX/XXXX, in violation of my rights under the Fair Credit Reporting Act ( FCRA ).

Unlawful Re-Insertion FCRA 611 ( a ) ( 5 ) ( B ) Under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), a credit reporting agency may not reinsert previously deleted information unless : The furnisher certifies the accuracy and completeness of the information, and The CRA ( TransUnion ) notifies the consumer in writing within five ( 5 ) business days of the re-insertion, including the name, address, and telephone number of the furnisher.

I have not received any certification, documentation, or notice, making this re-insertion unlawful. You are required to delete this account immediately and provide proof of your compliance.

Verification and Validation Required FCRA 611 ( a ) ( 1 ) ( A ), 607 ( b ) TransUnion can not simply mark an item verified without evidence. Under 15 U.S.C. 1681i ( a ) and 1681e ( b ), you are obligated to conduct a reasonable reinvestigation and ensure maximum possible accuracy. 

If the furnisher, XXXX XXXX XXXX, can not provide documented proof that this account legitimately belongs to mesuch as a signed agreement, billing statement, or contract bearing my signaturethen this account is unverified and must be permanently deleted from my file.

Data Breach Victim Heightened Duty of Accuracy. As a victim of the TransUnion data breach, I have heightened concerns about unauthorized or inaccurate data being placed back onto my report. Under FCRA 628 and the FTC Safeguards Rule, TransUnion is required to safeguard my personal data and ensure the accuracy and legitimacy of all consumer information reported.

Any inaccurate re-insertion in my case may constitute negligence or willful noncompliance under 15 U.S.C. 1681n and 1681o.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 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: GA

Complaint narrative:
This is a new, non-duplicate complaint against TransUnion LLC for unlawful and unauthorized alteration of my consumer credit file in violation of the Fair Credit Reporting Act ( FCRA ) and CFPB Regulation V. The previously disputed XXXX XXXX XXXX Bank account ending in XXXX has now been permanently deleted by TransUnion XXXX XXXX, and XXXX  XXXX I am not requesting any further dispute regarding XXXX XXXX at this time unless XXXX XXXX initiates unauthorized collection activity. That matter is resolved. However, TransUnion has now falsely and unlawfully designated multiple unrelated accounts on my credit report as ACTIVE DISPUTE, even though I never initiated, submitted, or authorized any such disputes. 

TransUnions XX/XX/2025 response to CFPB Complaint # XXXX lists several tradelinesXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX and XXXX XXXXas being in active dispute. I never filed any disputes for these accounts. By inserting these dispute indicators without my consent, TransUnion has willfully violated FCRA 611 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ), which permits a reinvestigation only when a consumer actually disputes an item, and FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), which requires credit reporting agencies to maintain maximum possible accuracy. These false dispute notations also violate 12 C.F.R. 1022.43 ( b ) ( 2 ), which prohibits maintaining dispute designations absent a bona fide consumer dispute. 

The presence of these false dispute flags misrepresents my credit activity to potential lenders and furnishers, suppresses my creditworthiness, and creates confusion in automated credit scoring and underwriting systems. I demand that TransUnion immediately remove all unauthorized active dispute indicators, cease and desist from applying any dispute labels without a verified consumer request, and provide a complete audit log showing when, how, and by whom each active dispute was added to my file. 

TransUnions conduct constitutes a separate and new violation, distinct from the resolved XXXX XXXX matter. Its unauthorized manipulation of my credit data represents willful and/or negligent noncompliance under 15 U.S.C. 1681n and 1681o. I request the CFPB to direct TransUnion to correct the record, provide written confirmation of compliance, and award appropriate monetary relief for these violations. 

Respectfully submitted, XXXX XXXX XXXX Consumer Complainant, XXXX XXXX XXXX XXXX - CFPB Ref. # XXXX - FTC Identity Theft Report # 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 2025-10-25 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: TX

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 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: TX

Complaint narrative:
I used XXXX  to finance a flight ( XXXX, XXXX XXXX ) through XXXX ( aka the merchant ) on XX/XX/2025, but I accidentally booked it for the wrong date, XX/XX/2025. I attempted to rebook on XX/XX/XXXX, speaking with XXXX, XXXX XXXX, and XXXX, but none of them would help. I never flew and never received the service. 

Despite this, XXXX charged off the loan ( XXXX ) and reported it as valid -- ignoring my dispute and the fact that no service was rendered. When I asked XXXX  to confirm how they verified that the account was accurate, they did not respond, even though I had documentation showing I tried to rebook and never used the ticket. 

Video evidence of rebooking ( and request for a refund or credit option ) available at : [ XXXX XXXX XXXX? XXXX ] XXXX  website refuses to assist, citing a 120-day policy that prevents them from investigating or intervening further. However, the only help they offer at that point is to redirect me back to XXXX, which has already denied any rebooking or refund options. 

This poor customer service creates a dead end : XXXX denies responsibility, XXXX refuses to act because of a policy deadline, and Im left reporting a debt tied to a service I never received. This is fundamentally unfair and harmful. 

Ive also attached a screenshot from XXXX  own site showing that after 120 days, they refuse to investigate or interveneregardless of whether the service was rendered. The arbitrary policy leaves customers like me with no path to resolution. 

I am exploring additional options, including small claims court, since XXXX continues to report this charged-off loan despite clear documentation that no service was rendered. I hope this complaint can help resolve the issue without further legal escalation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: IA

Complaint narrative:
Chase Bank has fraudulently taken funds from my new checking account, sent funds that had been reversed to me to an inactive account and put my account in a very negative balance. On XX/XX/XXXX, Chase Bank opened a new account for me because my old account had been compromised and fraudulently accessed. My new account had no negative balance when established, Chase had total access to my account at that time because they had deactivated my debit card and later sent me 4 other cards that arrived to my home already activated. There has been illegal, fraudulent activity on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 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: IL

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 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 filing a complaint as a follow-up to my previous disputes regarding multiple accounts that continue to appear on my credit file despite being unverified, inaccurate, and reported in violation of federal law. These accounts have caused ongoing harm to my creditworthiness and financial stability, and I am requesting their permanent removal, not correction, from my credit report.

The first account in question is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting late payments for XX/XX/XXXX ( 30 ), XX/XX/XXXX ( 60 ), and XX/XX/XXXX ( 60  ). This account is being reported in violation of FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), which requires a reasonable reinvestigation of disputed information, and FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which prohibits furnishers from reporting information they know or should know is inaccurate. Furthermore, FCRA 607 ( b ) 15 U.S.C. 1681e ( b ) requires credit reporting agencies to maintain maximum possible accuracy of information. This account continues to reflect unverifiable late entries despite my proof of timely payments. Under 605B / 15 U.S.C. 1681c-2, I am requesting the blocking and removal of this inaccurate information. 
The second account, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a reported balance of {$2400.00}, is listed as Charged Off. This reporting is inaccurate and unlawful due to the absence of a 1099-C for a debt exceeding {$600.00}, which must be filed when a charge-off or debt cancellation occurs. This failure to provide documentation constitutes a violation of FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], as the account can not be verified as accurate without proper supporting evidence.

The third and fourth accounts, both reported by XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with balances of {$26000.00} and {$11000.00}, are also listed as Charged Off. These accounts are being inaccurately reported as delinquent despite unresolved verification and missing documentation. Their continued reporting violates FCRA 607 ( b ) and is considered misleading and damaging to my credit profile. I have not received proper proof, validation, or documentation verifying that these accounts remain legally enforceable or that they were accurately charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 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: Affirm Holdings, Inc
State: TX

Complaint narrative:
I used Affirm to finance a flight ( XXXX, XXXX XXXX ) through XXXX ( aka the merchant ) on XX/XX/year>, but I accidentally booked it for the wrong date, XX/XX/year>. I attempted to rebook on XX/XX/XXXX, speaking with XXXX, XXXX XXXX, and Affirm, but none of them would help. I never flew and never received the service. 

Despite this, Affirm charged off the loan ( XXXX ) and reported it as valid -- ignoring my dispute and the fact that no service was rendered. When I asked Affirm to confirm how they verified that the account was accurate, they did not respond, even though I had documentation showing I tried to rebook and never used the ticket. 

Video evidence of rebooking ( and request for a refund or credit option ) available at : [ XXXX XXXX XXXX? XXXX ] Affirms website refuses to assist, citing a 120-day policy that prevents them from investigating or intervening further. However, the only help they offer at that point is to redirect me back to XXXX, which has already denied any rebooking or refund options. 

This poor customer service creates a dead end : XXXX denies responsibility, Affirm refuses to act because of a policy deadline, and Im left reporting a debt tied to a service I never received. This is fundamentally unfair and harmful. 

Ive also attached a screenshot from Affirms own site showing that after 120 days, they refuse to investigate or interveneregardless of whether the service was rendered. The arbitrary policy leaves customers like me with no path to resolution. 

I am exploring additional options, including small claims court, since Affirm continues to report this charged-off loan despite clear documentation that no service was rendered. I hope this complaint can help resolve the issue without further legal escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 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: FL

Complaint narrative:
I sent a dispute to all three credit bureaus regarding transactions that it was illegal for me to make while XXXX  ( e.g. credit card purchases ). Initially XXXX XXXX XXXX was removed but reinserted months later after my credit score began to show significant increase. All follow up reports were answered with a show of demonic rebellion against removing improper information from my credit file. In essence, putting me in a position where I cant get back on my feet after prison. My recent dispute of XXXX XXXX was met with the same XXXX XXXX because this calculated and XXXX XXXX is XXXX  on keeping in a disadvantaged position when Ive shown to the bureaus multiple times that I was imprisoned when the delinquent charges on these accounts were 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 explanation
Consumer complaint received 2025-10-25 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: CO

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My spouse received a {$3000.00} deposit refund check from our former landlord made payable to both of us ( joint check ). Despite multiple requests to deposit it into our joint account, she misled me, claiming on XX/XX/year> that her mailbox was not working, which made me believe she had not received the check. Later, the landlord informed me that the check had cleared on XX/XX/year> and was deposited into her personal Chase account at a teller line without my signature or authorization. I contacted Chase, including the branch ( I spoke to XXXX XXXX and XXXX in Fraud Department, requesting an investigation and documentation, but they refused to assist. This may violate UCC 1-110 regarding negotiation of instruments and relevant federal banking regulations. I have copies of the processed check and other relevant documents that can be provided if needed for the investigation. I am requesting CFPB assistance to have the bank investigate and correct this unauthorized deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: TX

Complaint narrative:
Cash App automatically withdrew a total of {$45.00} from my Cash App balance ( {$25.00} and {$20.00} in two separate transactions ) toward a XXXX  loan. My loan is not paid off yet, but those withdrawals left me without money for food or basic needs. 
I did not manually authorize these payments they were automatically taken without warning. I understand theres an agreement, but I was not aware they could pull multiple payments at any time, especially when Im experiencing financial hardship. 
I contacted Cash App XXXX  Support multiple times and explained that I needed that money for essentials. I requested a refund or at least a temporary hold on automatic payments, but every representative repeated the same policy and refused to escalate or review my hardship. 
They closed my case without offering any real help. Im requesting a refund of the {$45.00} that was taken, or at least a hardship exception, and I also want the CFPB to review Cash Apps practice of automatically taking multiple payments from users who are clearly in financial distress. 

XXXX $ was taken on XX/XX/year> XXXX $ was taken on XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: CENTRAL BANCOMPANY, INC
State: CA

Complaint narrative:
XXXX  : XXXX| Company XXXX : XXXX Agent does not clearly communicate underwriting requirements or process of verifying employment which leads to a disruption in the scheduled closing date for a Refinance.

Over the course of XX/XX/year> I tried to satisfice the requirements as expressly written by XXXX in email correspondence. Upon uploading every single requested document ( often within minutes of being requested to do so via email ), I was told there were additional ambiguous requirements to be satisfied that, as written, were not possible per my previous employer 's policy. ( XXXX XXXXXXXX was adamant that they were contacting XXXX ( my former employer ) to request verbal authorization of employment, which XXXX does not do over the phone ). 

Finally, on the penultimate day of closing, the agent XXXX referred to a third-party service in a poorly written and extremely sarcastic email ; upon reading between the sarcastic expressions, I was able to independently investigate and learn that the agent was sarcastically referring to a particular third party agency used to verify employment. Upon creating an account with said agency for the first time ( the Saturday before we were scheduled to close on the following Monday ), I learned that the 3rd party platform had a mistake in my employment history ( I.e. missing 7 years of employment data ). I was able to file a dispute, however, this is likely not in time for the scheduled closing date to proceed without disruption.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmeriCollect
State: GA

Complaint narrative:
Americollect had charged my collection credit around XXXX 6 times for er bills. I have XXXX XXXX it was paid

Company response to consumer: Closed with explanation