vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-21 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: OK

Complaint narrative:
This is my third formal request to have the unauthorized accounts and inquiries on my credit report reviewed and corrected. These inaccurate entries have substantially lowered my FICO score, causing difficulties in maintaining my financial stability.

I am urgently seeking your assistance in resolving this matter, particularly as I am preparing to apply for a loan that requires a strong FICO score for eligibility. Your prompt attention to this issue would be greatly appreciated and would allow me to proceed with my financial plans without further detriment.

Thank you for your support and cooperation in correcting these inaccuracies.

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 2025-11-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CCF Intermediate Holdings LLC
State: MS

Complaint narrative:
I received a loan from Community finance on XX/XX/year> located at XXXX XXXX A, XXXX, XXXX XXXX for {$300.00}. {$250.00} in cash and {$50.00} on a green dot card. On XX/XX/year> money was deducted from my account ending in XXXX because the store clerk said I could get another loan if I approved it. The account would not update to allow a payoff until it accumulated an extra {$60.00} in interest. I called the store and war told I could do nothing about it. I called a week later and was able to pay it off but unable to reapply even though both the customer service representative and the store representative told me I could. {$400.00} was deducted from my account before it was due without authority.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC
State: SC

Complaint narrative:
My car was repossessed In XX/XX/year> for {$46.00} that's what I owed Westlake financial services at the time before they added the new monthly bill

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
since XX/XX/year>, I have attempted several times via phone and 3 letters, requesting information regarding my loan. The company has failed to provide a complete respond as of today XX/XX/year>.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

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 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer 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 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: ND

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-21 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: ND

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: MI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-21 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: GA

Complaint narrative:
I have been a victim of several data breaches with my information being used for unauthorized account accounts. 
I am reporting identity theft involving XXXX accounts opened or reported without my authorization. I did not create, open, authorize, or have any knowledge of these accounts. 
Accounts involved : - XXXX XXXX ( Account # XXXX ) XXXX XXXX XXXX ( Account # XXXX ) - XXXX XXXX XXXX ( Account # 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 explanation
Consumer complaint received 2025-11-21 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: Colony Brands, Inc.
State: GA

Complaint narrative:
I have been a victim of several data breaches with my information being used for unauthorized account accounts. 
I am reporting identity theft involving XXXX accounts opened or reported without my authorization. I did not create, open, authorize, or have any knowledge of these accounts. 
Accounts involved : - XXXX XXXX  ( Account # XXXX ) - XXXX XXXX  ( Account # XXXX ) - XXXX XXXX XXXX ( Account # XXXX XXXX ) -XXXX  XXXX XXXX XXXX # XXXX XXXX  )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
Issue Summary : I was charged an annual fee on my Best Buy credit card issued by Citi, even though I did not authorize the charge, was not notified about it, and believed the account was fully paid off and inactive. Because I never saw the charge, XXXX then applied late fees of over {$100.00}, which I also never received notice of. 

Details : On XX/XX/year>, Citi charged me a {$49.00} annual fee on a Best Buy credit card that I had opened during a purchase well over a year ago. I fully paid off the card and had not used it since. I was unaware that an annual fee would be charged. 

Citi claims they sent an email notification before the annual fee posted, but the message was sent to an old, corrupted email address that I no longer have access to. Because of this, I did not receive any notice about the fee or subsequent late charges. 

When I contacted Citi in XX/XX/year>, they told me they could only issue a prorated refund of {$34.00} because more than XX/XX/XXXX days had passed. I was told by Citi not to cancel the card yet since it may limit Best Buys ' ability to see the account ( my intent is to cancel the card immediately upon resolving this matter ). Even with the explanation, Citi is still charging me late fees totaling over {$100.00}, which accumulated because I did not know the fee was ever charged. 

I am requesting that Best Buy : Refund the full {$49.00} annual fee, and I am requesting that Citi : Remove all late fees that resulted from the fee I did not authorize and was never notified about, and then immediately close the account. 

I acted in good faith and contacted them as soon as I became aware of the charges. I am simply asking for a fair resolution, since the charges occurred without proper notice and due to outdated contact information that I did not realize was still linked to the inactive account.

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 2025-11-21 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: EQUIFAX, INC.
State: NV

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC XXXXb. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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 was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: VA

Complaint narrative:
XXXX different transfers happened that were done when my account was logged into without authorization. I filed a dispute for both transfers and they were both denied. Both transfers were to a XXXX XXXX XXXX on XX/XX/year> for {$30.00} and {$64.00}. 

Attached are photos where I removed an unauthorized device that I did not add to my account and then the emails I received from the XXXX unauthorized transfers. 

Chime failed to protect my account from being accessed as the fraudulent party was able to add a device and login without Chime verifying a new device through email verification. This feature was on when this happened and didn't protect my account from being defrauded.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: CA

Complaint narrative:
This is a follow-up to my previous complaint against TransUnion. Despite providing all legally required documentationincluding a valid police report, FTC Identity Theft Affidavit, government-issued ID, and proof of addressTransUnion continues to report fraudulent accounts that should have been permanently blocked under the Fair Credit Reporting Act ( FCRA ) Section XXXX. 

The accounts are : XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( XXXX and XXXX ) XXXX  ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) These accounts remain on my file in violation of multiple federal statutes : FCRA XXXX - XXXX Law Under Section XXXX, once identity theft documentation is provided, the CRA must XXXX the information from appearing in the consumer report within XXXX business days. TransUnion failed to do this. 

FCRA XXXX ( a ) ( XXXX ) ( B ) ( XXXX ) - Reinsertion Violations Some accounts ( like XXXX XXXX XXXX ) were removed and later reinserted without the required XXXX written notice, violating XXXX ( a ) ( XXXX ) ( B ) ( XXXX ). This is a serious breach of consumer rights. 

FCRA XXXX ( a ) ( XXXX ) ( A ) - Furnisher Responsibility Furnishers are not allowed to report information they know or should know is inaccurate. TransUnion continued to allow the reporting of disputed, fraudulent accounts, even after being notified. 

XXXX XXXX XXXX XXXX  These furnishers and TransUnion are subject to XXXX XXXX reporting standards. Continuing to report accounts marked with identity theft indicators violates industry reporting compliance and regulatory expectations. 

Additional Violations & Background I have previously submitted all documents and a complete FTC Identity Theft Report. 
TransUnion acknowledged the potential for fraud on XX/XX/year>, but has failed to fully act. 
This noncompliance obstructs my ability to access credit and creates unnecessary hardship. 

Supporting Documentation Already Submitted : Police Report Government-Issued ID Proof of Address FTC Identity Theft Affidavit Previous CFPB Complaint Confirmation

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 2025-11-21 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 requesting a reinvestigation of the following accounts and inquiries on my Experian credit report. I believe these entries XXXX contain inaccuracies or unverifiable information, and I kindly ask that Experian review and correct or remove any such information. 

CHARGED-OFF ACCOUNTS XXXX, XXXX * *, * * XX/XX/XXXX, {$770.00} INQUIRIES CREDIT XXXX XXXX XXXX, XX/XX/XXXX LATE PAYMENTS 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 2025-11-21 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. CXXXX 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 non-monetary relief
Consumer complaint received 2025-11-21 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 am writing to dispute inaccurate information appearing on my Equifax credit report. This request is made under FCRA XXXX ( XXXX U.S.C. XXXX ( a ) ( XXXX ) ( A ) ) and accuracy standards under XXXX ( b ). 
Item Being Disputed : XXXX XXXX Collection Account Account # : XXXX Balance : {$2800.00} Status : Derogatory/Collection Date Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX Basis of Dispute : Equifaxs version conflicts with TransUnions and is incomplete : Inconsistent open date versus placement date Missing payment history months Missing creditor metadata Incomplete account number No date of last payment reported These accuracy errors violate XXXX ( b ) because data must be complete and consistent

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: IL

Complaint narrative:
I am filing a complaint regarding several unauthorized hard inquiries that appeared on my TransUnion credit report. 
I never applied for credit with these companies and did not give permission for them to access my credit file. 

When I contacted TransUnion, they told me to reach out to the creditors directly. However, I never authorized these inquiries, and TransUnion should be responsible for verifying consent before listing them. 

I am requesting that TransUnion provide proof of my written authorization for these inquiries. If no such proof exists, I am asking that all unauthorized inquiries be removed from my credit report immediately. 

These inquiries are affecting my credit score and were not initiated by me. Please investigate this matter promptly and ensure the unauthorized credit pulls are deleted from my file.

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 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-11-21 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: MN

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-11-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: GA

Complaint narrative:
I attended this school and it received student aid monies later to find out the school closed due to fraudulent practices. Ive applied for the borrowers defense to delete the fees owed from my account over a year ago and no one can or will tell my what the outcome is .im still accumulating interest on student loans that were deemed fraudulent

Company response to consumer: Closed with explanation