vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-05 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: CA

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 1681eb. 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. 15 USC 1666b 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! 15 USC 1666b ( 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 1637 ( 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 1002 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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
THE FOLLOWING INFORMATION IN THIS REPORT DOES NOT BELONG TO ME, I SENT MY DISPUTES IN AND THE COMPANY FAILED TO DO AN INVESTIGATION AND DELETE INFO FROM MY CREDIT REPORT

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 2025-08-05 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: NY

Complaint narrative:
My credit report contains multiple inaccurate and unverifiable items that are negatively affecting my credit profile. I have previously submitted disputes to the credit reporting agencies, but several of those items were not properly investigated and were marked as verified without legitimate documentation or explanation. 

In addition, I have now identified new inaccurate or outdated entries that have not yet been disputed. These items are also harming my credit and appear to be in violation of the Fair Credit Reporting Act ( FCRA ), including sections related to the duty to maintain maximum possible accuracy and to conduct a reasonable reinvestigation ( 15 U.S.C. 1681i and 1681e ( b ) ).

I am requesting a full reinvestigation of all disputed accounts, immediate deletion or correction of any unverifiable or inaccurate information, and confirmation that the credit bureaus and furnishers have complied with FCRA obligations. 

Supporting documentation has been attached to show the errors and previous attempts to resolve them. 

I expect a fair and lawful resolution to this complaint. Thank you.

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 2025-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: PA

Complaint narrative:
RECENTLY. I DID AN INVESTIGATION ON MY CREDIT REPORT AND FOUND ITEMS ON THERE TO BE INACCURATE. 

UNDER 15 US CODE 168 ACCURACY OF REPORT WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURASY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES.

PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT INMEDIATELY Type here to search

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 2025-08-05 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: FL

Complaint narrative:
XXXX XXXX XXXX ( XXXX ) To whom it may concern, I noticed that XXXX XXXX XXXX XXXX XXXX XXXX  is listed as a charge card, but XXXX reports as a credit builder account, not a charge card. This is an incorrect account type classification. 

Please correct the account type to reflect the accurate product, or delete it if it can not be properly 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 explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
Chase bank employee stated that XXXX XXXX walked in and said she was XXXX XXXX only child and removed all the funds even while they were separated to be dispersed to each individual child my mother have XXXX children

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

Complaint narrative:
I am the victim of identity theft. I am disputing a collection account reported by Jefferson Capital Systems, originally from XXXX XXXX. The account number is XXXX, and it was allegedly opened on XX/XX/XXXX, with a balance of {$75.00}. It is currently listed as a collection account, marked past due as of XX/XX/XXXX. 

I did not open this account, authorize it, or receive any services from XXXX XXXX. I contacted Jefferson Capital Systems and requested debt validation, but they have not provided any documentation proving I am responsible for the debt. 

This account is fraudulent and does not belong to me. I have filed an identity theft report with the Federal Trade Commission ( FTC ) and am actively disputing this account with the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: NY

Complaint narrative:
This letter is being sent directly from me, the consumer, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I am disputing specific accounts on my credit report that were opened as a result of identity theft. This is not a third-party dispute, and I am submitting this letter personally to ensure full compliance with federal law. Under FCRA 605B, you are required to block all fraudulent information from my report within four business days of receiving proof of identity theft. Additionally, FCRA 611 ( a ) obligates you to conduct a proper investigation of my dispute and respond within 30 days. I also request full disclosure under FCRA 609 ( a ) ( 1 ) ( A ) of all information used to verify these disputed accounts and any results of any previous investigations conducted. 

Enclosed you will find a copy of my government-issued ID, proof of address, FTC identity theft reports, and a signed statement under penalty of perjury confirming the accuracy of my claim. These documents should fulfill all documentation requirements under federal law. 

XXXX  XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: FL

Complaint narrative:
I am filing a formal complaint against TransUnion for continuing to report inaccurate and unverifiable negative information from a federal student loan serviced by XXXX. 

I have disputed the account multiple times, requesting proper verification, including : The original signed Master Promissory Note Full forbearance and deferment history A complete payment ledger Chain of servicing or assignment Legal authority to furnish data XXXX has failed to provide this documentation, yet the account continues to be updated and verified as accurate. This violates my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) which require the information to be accurate, verifiable, and not misleading. 

The continued reporting of this unverifiable account is : Damaging my credit score and financial credibility Preventing me from accessing housing, credit, and other essentials Being done without XXXX meeting their burden of proof XXXXXXXX XXXX XXXXXXXX Account Number : XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  These accounts were previously disputed Reported Status : XXXX Days Late / Delinquent Reporting Issue : Inaccurate Late Payment History bcz This account reflects delinquency and late payments that I believe are being falsely and unfairly reported, as the alleged delinquency occurred before a forbearance was applied. I have requested verification from XXXX directly, including : Original signed Master Promissory Note Complete payment and forbearance history Chain of servicing transfer Detailed accounting ledger To date, they have failed to provide these documents. 

Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C 1681i, I am requesting that you : 1. Conduct a reasonable reinvestigation of the disputed information.

2. Request verification from XXXX. 
3. Remove this account if XXXX can not provide proper documentation within 30 days. 
4. Send me an updated credit report reflecting the changes. 

Please find attached a copy of my : Photo ID Proof of address ( utility bill or bank statement ) Screenshot or credit report highlighting the disputed entry I appreciate your prompt attention to this matter. Please notify me in writing of the results of your investigation. 

I am requesting the CFPB investigate TransUnion for failure to properly investigate my disputes and for continuing to report data that the furnisher can not verify with documentation. 

If XXXX can not fully validate the debt, the account must be removed from my credit report immediately.

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 2025-08-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Regional Management Corporation
State: TX

Complaint narrative:
I took out a loan from Regional Finance on XX/XX/year>, for {$6000.00}. However, the total amount I was expected to pay back was {$11000.00} almost double. This was due to inflated finance charges and insurance products I was not given the option to decline, including Involuntary Unemployment Insurance ( IUI ) and the Auto Plus Plan. 

After I filed complaints, Regional Finance responded saying both insurance products were refunded. But this is not true. Their own payment report shows only one refund of {$700.00} for the IUI. The {$120.00} Auto Plus Plan has not been refunded. 

On or around XX/XX/year>, I discovered that I was completely locked out of my online loan account. As of today, XX/XX/year>, I still can not log in. The site says, We cant find your information. I have no way to see my balance, due dates, or make a payment. This lockout started shortly after I filed my complaints, and it appears retaliatory. 

Ive tried checking the portal from multiple devices and browsers, and the message hasnt changed in over two weeks. This puts me at risk of missing payments or being charged late fees for a loan I cant even access. 

I have attached documentation including : The official payment report showing the {$11000.00} total Their response letter Screenshots of the login failure A written summary of unresolved issues and missing refund This is now my third formal complaint. I am asking for an urgent investigation into : Inflated and deceptive loan terms Failure to refund money owed Retaliatory removal of online account access Interference with my ability to manage or pay my loan

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
My account was restricted on XX/XX/year> and Robinhood requested statements and my ID photos to review my account. After I uploaded the information, they closed my account on XX/XX/year>. During these days, I can not withdraw my funds to my bank and I dont know when I can get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Adjustment Service, Inc.
State: FL

Complaint narrative:
Diversified Adjustment Services reported a XXXX XXXX account to the credit bureaus before the 30-day dispute window expired, in violation of FDCPA 1692g ( b ). Their letter gave me until XX/XX/year> to dispute the debt, yet the collection account appeared on my credit reports prior to that date. The debt was already in dispute with XXXX directly, and they acknowledged a billing error and promised credits in writing. This premature and inaccurate reporting has caused significant financial harm, including reduced credit limits from major banks. I am requesting immediate investigation, deletion of the tradeline, and enforcement of my rights under the FDCPA and FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-08-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
HARD INQUIRIES No contact information has been reported by these creditors. 

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 explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ResidentCollect, Inc.
State: TX

Complaint narrative:
According to 15 U.S.C 1692 C, the creditor has violated my rights by unlawful communication Please remove this debt off my credit report thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: FL

Complaint narrative:
I am writing to dispute and request the removal of fraudulent information from my credit report. I am a victim of identity theft, and there are accounts and inquiries listed that I did not authorize. 

Under Section 605B of the Fair Credit Reporting Act ( FCRA ), please block and remove these unauthorized items. Enclosed are a list of the disputed entries and my Identity Theft Report filed with the FTC. 

I request written confirmation once these items have been removed. Thank you for your prompt attention.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have requested all items be removed from my credit report immediately under USC 1666B subsection a regarding late payments 15 USC 1601 regarding charged off accounts 15 USC 1692C regarding collections

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have requested all items be removed from my credit report immediately under USC 1666B subsection a regarding late payments 15 USC 1601 regarding charged off accounts 15 USC 1692C regarding collections

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 2025-08-05 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX - SSN : XXXX Subject : Request for Blocking and Deletion of Fraudulent Accounts Under 15 USC 1681c-2 ( a ) To Whom it May Concern, I am writing to formally request the blocking and deletion of all fraudulent accounts and inquiries associated with my credit report, as I am a victim of identity theft resulting from the Equifax Data Breach . Pursuant to 15 USC 1681c-2 ( a ), I am entitled to have any fraudulent information blocked from my credit report. 


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  Please consider this letter my official notification. I request that you take the following actions immediately : 1. Block and delete any accounts, inquiries, or other information that were established or recorded as a result of identity theft.

2. Provide written confirmation that these fraudulent items have been blocked and deleted.

3. Ensure my credit report accurately reflects only legitimate accounts and inquiries.

Enclosed are the following documents to support my request : A copy of my government-issued ID ( e.g., drivers license ).

Proof of address ( e.g., utility bill ).

A signed affidavit of identity theft ( if required ) - And my Social Card.

As required by law, I expect these fraudulent items to be blocked within four business days of your receipt of this request, as outlined in 15 USC 1681c-2 ( a ) ( 2 ).

I trust that this matter will handle promptly and in compliance with federal law. 

I thank you so much for your immediate attention to this urgent matter. 



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