vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. XXXX USC XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! XXXX USC XXXX ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX Date : XX/XX/XXXX To : XXXX  XXXX Department XXXX. XXXX XXXX, XXXX, TX XXXX XXXX  XXXX XXXX XXXX. XXXX XXXX, XXXX, PA XXXX Equifax Information Services LLC XXXX. XXXX XXXX, XXXX, GA XXXX Re : Formal Dispute Demand for Deletion of Unverified Collection Account Dear XXXX XXXX XXXX, I am formally disputing the accuracy and legality of the following collection account being reported on my credit file : Collection Agency : XXXX XXXX Original Creditor : Peak Property Casualty Insurance Account Number ( partial ) : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Original Amount : {$92.00} Date Assigned : XX/XX/XXXX Reported Status : Unpaid XXXX. Failure of Reasonable Investigation Under FCRA XXXX ( a ) ( XXXX ) ( A ), you are required to conduct a reasonable investigation of disputed information. Merely parroting information provided by the furnisher is insufficient, as established in XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ). Unless you can provide verifiable documentation such as a signed contract, billing statements, or proof of responsibility this account must be deleted. 

XXXX. Lack of Proper Validation by XXXX Collector Under FDCPA XXXX ( b ), a debt collector must provide validation of the debt upon request. This includes proof of ownership, assignment, and itemization of the alleged debt. XXXX XXXX has not provided validation of this alleged account. Reporting an unvalidated debt violates both the FDCPA and FCRA XXXX ( b ), which requires maximum possible accuracy. 

XXXX. Inaccurate and Misleading Reporting Reporting a {$92.00} alleged debt as unpaid without validation is both inaccurate and misleading. It unfairly damages my creditworthiness and violates FCRA XXXX ( a ) ( XXXX ) ( A ), which prohibits the reporting of information known to be inaccurate or unverifiable. 

XXXX. Emotional and Financial Harm The continued reporting of this small, unverified, and disputed collection account has caused me : Denial of credit opportunities Inflated interest rates on financial products Emotional distress and financial hardship Damage to my reputation XXXX. Formal Demand for Deletion I hereby demand that this collection account be : Deleted from my credit file immediately due to failure of proper verification. 

Written confirmation of deletion be provided to me within 15 days of receipt of this letter. 

Failure to comply will result in further escalation, including formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Attorney General, as well as the pursuit of legal remedies under the FCRA and FDCPA. 

This is not a request it is a demand for compliance with federal law. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( XXXX U.S. Code XXXX ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

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 FTC Report Number : 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. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-23 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: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

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 FTC Report Number : 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. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
My grandmother has XXXX and I was granted guardianship and conservator authority by the courts, chase has frozen her accounts and refuse to accept the letter of appointment, it's been over a mo th now and they just claim to require a document called a letter of authority, I've been back to court XXXX times, the judge went so far as to amend my appointment paper and re issue it to specify the release of funds for her housing, they have not responded to any of the requests or accepted the documents I have submitted, the person in their legal team isn't even taking calls from the branch XXXX, no resolution terms have been offered, they will not communicate with me directly only through the branch XXXX. Her debts are going into collections for non payment and she is being evicted from her XXXX home today for non payment. No lawyer I've contacted has been willing to take this case and have no solutions or advice to offer. Apparently there is no law to protect seniors in this position, the bank can just ignore a court appointed custodial and guardianship order with no consequence for over a month, leading to the current situation. I can't even close the account to change banks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( XXXX U.S. Code XXXX ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: TX

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

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX,, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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 2025-09-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Selene Holdings LLC
State: CO

Complaint narrative:
In or around XX/XX/year>, I was notified by my loan servicer, Selene XXXX XXXX, that I had been approved for the VA Servicing Assistance Purchase ( VASP ) Program through the U.S. Department of Veterans Affairs ( VA ). Specifically, I was informed that I had been approved under the VA Servicing Purchase Program with a loan term of 480 months ( 40 years ) at an interest rate of 2.5 % including Trial Payment Plan ( TPP ) provisions.

I personally confirmed this approval with my VA Home Loan representative, who reiterated the program terms. During a recorded phone call with Selene XXXX, I was congratulated on my approval and advised that my new monthly mortgage payment would be approximately {$2100.00}. 

In good faith reliance on these representations, I made the required trial payments in the original monthly payment amount for the months of XXXX, XXXX, and XX/XX/year>, as directed. I was told I would receive further instructions from both Selene XXXX  and the VA following the loan transfer process. 

However, on Saturday, XX/XX/year>, I received via XXXX XXXX a letter from Selene XXXX  dated XX/XX/year>, enclosing what was labeled as the " proposed terms of your modified mortgage. '' These proposed terms were inconsistent with the terms I had been approved for under the VASP program.

Upon contacting the Department of Veterans Affairs for clarification, I was informed that my loan servicer, Selene XXXX XXXX, had failed to submit required documentation, which allegedly resulted in my removal or " termination '' from the VASP program. The VA representative confirmed that this failure was due to Selene XXXX noncompliance with documentation requests. 

At no point prior to this call was I ever notified by either Selene XXXX  or the VA that my participation in the program was in jeopardy or had been terminated. To date, I have not received any formal notification from either party regarding my removal from the VASP program. The only correspondence I have received has been the so-called Modification Document Packages, which do not reflect the original, approved terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: TX

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 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 2025-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: DISCOVER BANK
State: NJ

Complaint narrative:
Ive had XXXX transactions in the amounts listed below originally denied and closed. After providing my plane ticket proving I was not in the state, and explaining to discover my phone was lost along side my debit card I was again denied during the resubmitting as they said I authorized the transaction with conversation with the bank. Well news flash my phone as I described was not password protected, meaning any text that is needed to authorized a transaction could have been authorized by said theft. I would like my money returned. Discover has been a complete waste of time and fighting me on something I did not authorize or do. The amounts of the transactions are are followed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
My account was permanently limited on XX/XX/year> PayPal is still holding your funds beyond 180 days. 
Their own User Agreement says funds should be released after 180 days unless subject to disputes/chargebacks.Ive contacted PayPal and received no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: TX

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

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$15000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 explanation
Consumer complaint received 2025-09-23 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
XX/XX/year> Notice of Account Closure XX/XX/year> Denial of Explanation XX/XX/year> Denial of Reinvestigation My account was taken over with information, i reported it to USAA, XXXX, XXXX XXXX XXXX  and USAA is the only one who failed to protect my account, failed to investigate my account transactions, failed to provide documentation that was used to complete investigation, and failed to communicate and contact me with any questions regarding to my account due to identity fraud. I have communicated to them that multiple fraudulent accounts were made in my name and provided documentation and proof of fraudulent activity. My credit card has been maxed over {$25000.00}, with the limit of my credit card being {$5000.00}. How can my account go so long and so far beyond and exceeding maximum limits without any documentation or security barriers to prevent this? 
I provided removal of service member account holder due to fraudulent activity, denial of my request of documentation, XXXX Report, Screenshots of multiple times i have provided documentation and requests of my reinvestigation, and etc.

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