vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-20 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed 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 2025-10-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Millennium Mortgage Group, LLC
State: NV

Complaint narrative:
XXXX XXXX from Millenium Mortgage in XXXX XXXX XXXX XXXX XXXX, stated we have been approved for FHA loan, mid way he changed our loan from FHA to XXXX which was never explained to us, he said we were fully approved and there wasn't anything else needed from us, we were going on 3 extensions on our PA and still no closing, causing us to live in hotel for 3 weeks, pay a per diem on the PA, and extra XXXX, as well he claimed at the very end the delay was due to a litigation on the property, which was not the case as when we applied for loan there was no litigation at that time, he also claimed he ordered a rush on our HOA docs -which was another lie as we called HOA directly and paid for the docs and they stated XXXX XXXX XXXX not pay or order rush. He also threated that he would cancel our loan if my husband didn't stop texting him asking for status. He strung us a long from XX/XX/XXXX- XX/XX/XXXX. We were forced to pay for the purchase cash along with all of the out of pocket expenses like hotel and per diem. Which he said he would reimburse us as he miscalculated the closing timeline. He has disappeared since then.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: IL

Complaint narrative:
I submitted a formal written dispute to the credit reporting agency regarding inaccurate and/or unverifiable information appearing on my credit report. According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the credit reporting agency is required to conduct a reasonable reinvestigation of the disputed items and provide the results within 30 days of receiving the dispute.

It has been over 30 days since my dispute was received, yet the agency failed to provide the required reinvestigation results or any written notice explaining a delay. This constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

Additionally, I have reason to believe my nonpublic personal information was accessed, shared, or used without proper authorization or disclosure, in violation of the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6802, which governs obligations with respect to the disclosure of personal information. I was not provided with a clear privacy notice, nor given the option to opt out of sharing my data with third parties. This further supports my claim that my consumer rights under federal law have been violated.

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 2025-10-20 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: GA

Complaint narrative:
Details of the Complaint : I am filing a complaint against Equifax regarding unauthorized credit inquiries appearing on my credit report. I have already contacted both credit bureaus directly to dispute these inquiries, but I was told that they require proof that I did not authorize the inquiries. I find this unreasonable and unfair, as there is no way for me to prove a negative I did not initiate these inquiries, and I should not be penalized for the actions of a third party. 

Furthermore, both bureaus directed me to submit an Identity Theft Report through the FTC XXXX website. However, that website is currently unavailable due to the federal government shutdown, leaving me without the ability to file an official FTC report. It is unfair that I should have to wait for the government to reopen to have fraudulent inquiries removed from my report. 

The Fair Credit Reporting Act ( FCRA ) guarantees me the right to dispute inaccurate or unauthorized information on my credit report. An inquiry that I did not authorize is, by definition, inaccurate. I am therefore requesting that Equifax immediately : Remove all unauthorized inquiries from my credit file ; Provide written confirmation once these inquiries are deleted ; and Ensure that no additional verification burdens are imposed on me beyond what the FCRA requires. 

This situation is causing me unnecessary distress and potential credit harm. I am requesting prompt action from the CFPB to compel both credit bureaus to comply with the law and resolve this matter immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
I am writing to formally express my concerns regarding Chimes handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Chimes numerous times and reporting discrepancies, my financial institution and Chime failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Chime has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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:
I am a verified victim of identity theft and a recent data breach. My TransUnion report lists fraudulent and inaccurate accounts ( XXXX XXXX, XXXX, XXXX ). I disputed under 15 USC 1681c-3 and 1681i, but negative data remains. I request immediate deletion and confirmation of compliance

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: NY

Complaint narrative:
I am a verified victim of identity theft and a recent data breach. My TransUnion report lists fraudulent and inaccurate accounts ( XXXX XXXX, XXXX, XXXX ). I disputed under 15 USC 1681c-3 and 1681i, but negative data remains. I request immediate deletion and confirmation of 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 2025-10-20 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:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
On the XXXX of XX/XX/year>, I attempted to deposit XXXX in an ALL point machine with the assumption that it would have been credited to my TD bank account. 
An error occurred and the machine kept acting crazy, gave me back {$220.00}, and therefore has {$500.00} for me. Ive been going back and forth with TD and ALL POINT ever since and Im getting no help here.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( 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 ( 15 U.S. Code 1692e ) 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 2025-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
CREDITis falsely reporting on my credit. I have never had any accounts with them. Per my research CREDITis a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it.

Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

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 2025-10-20 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: NY

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : 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 2025-10-20 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: NC

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT INQUIRIES : 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

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 2025-10-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am refiling this complaint because LVNV Funding LLC/Resurgent Capital Services failed to provide proper validation of the debt they are reporting. The documents they provided only include a copy of my original XXXX loan agreement, which proves I obtained a loan, but does not prove that LVNV legally owns or has the right to collect or report this account.

No assignment file, purchase agreement, or chain of title was provided linking XXXX or XXXX to LVNV. The Account Summary was created by Resurgent, not the original creditor, and contains no verifiable evidence of ownership.

Despite my dispute, LVNV continues to report this alleged debt to XXXX XXXX, and XXXX, violating the Fair Debt Collection Practices Act ( FDCPA 809 ( b ) ) and the Fair Credit Reporting Act ( FCRA 623 ( a ) ( 3 ) ). I am requesting that CFPB require LVNV Funding LLC to delete this account from all credit bureaus for failure to provide sufficient validation and proof of ownership.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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: SC

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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: NJ

Complaint narrative:
Dear, Experian, Transunion and Equifax According to the court Documents from plaintiff. XXXX XXXX  has sold this account XXXX to XXXX XXXX XXXX, I tried to validate the account but they didnt provided me the information CFPB Complaint XXXX. FDCPA 1692 e ( 8 ), why it is on my credit report. Please Remove this account immediately from my credit report. As XXXX  XXXX failed to produce any documentation but only gave evasive answer. Didnt prove my Specific Debt nor assignments under my name as debt collector. Remove account immediately or I will be filing lawsuits against all 3 Credit bureaus for violating my rights and not their proper investigation and job. I am providing Credit Bureaus 10 days to remove this account from my credit report as actions were not taken in previous complaints. Please see attached court document as the account has been sold and XXXX XXXX  don't hold the ownership. This account is reported as Charged off account after account being sold and Credit Bureaus don't seem to care about consumer rights.

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 2025-10-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: NY

Complaint narrative:
On XX/XX/year>, I created an account with Western Union for the purpose of sending money to my sister in law in XXXX XXXX in XXXX XXXX. The money will be used to pay the suppliers for my XXXX wedding anniversary. I sent the money to my sister in law on the same day i created an account for the amount of XXXX USD. The tracking number is XXXX. I received a notice from Western Union that my sister in law can now pick up the money on XX/XX/year>. I received a notice that an unauthorized individual that i have no association picked up the money in XXXX province on XX/XX/year>. I called, emailed Western union several times to request to refund my money since Western union failed to give my money to the intended recepient. However, after back and forth for several months, the XXXX resolution team made a decision that they will not be able to refund the money. The reference # is XXXX. The Western Union failed to wire my money to.my sister in law and don't have a security to secure the transfer. Most likely XXXX of their workers log into my account and wire my money to an individual in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
On XX/XX/year> i disputed this account and asked for purchase agreement to prove this debt is actually mine nothing was given they just said it was verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am disputing the XXXX XXXX XXXX tradeline on my credit file. I did not authorize any late-payment reporting and have not paid late. Please reinvestigate and delete or correct the inaccurate information.

Remove the late ( s ) and any related derogatory codes ; update the tradeline to reflect on-time payment history ( or delete the tradeline if you can not verify ).

Send me written results and an updated credit report.

Included evidence : copy of ID and proof of address, payment confirmations/bank statements for the disputed months, and a marked-up copy of the report showing the errors.

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