vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-15 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: NC

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the following charge-off accounts listed on my credit report : XXXX. * * XXXX XXXX ( Account # XXXX ) : XXXX XXXX This account was reported to the IRS and deemed a profit loss, classifying it as income by the creditor. I have requested a copy of the 1099-C form from the creditor, but they have failed to provide it. Despite this, the account continues to report monthly and inaccurately reflects an active debt. This is misleading and in violation of 15 U.S.C. 1681s-2 which prohibits the reporting of inaccurate information.

Please investigate and remove this account from my credit report immediately 2. * * XXXX XXXX ( Account # XXXX ) : XXXX XXXX  This account was reported to the IRS and deemed a profit loss, classifying it as income by the creditor. I have requested a copy of the 1099-C form from the creditor, but they have failed to provide it. Despite this, the account continues to report monthly and inaccurately reflects an active debt. This is misleading and in violation of 15 U.S.C. 1681s-2 which prohibits the reporting of inaccurate information. 

Please investigate and remove this account from my credit report immediately 3. * * XXXX XXXX  XXXX Account # XXXX ) : XXXX XXXX This account was reported to the IRS and deemed a profit loss, classifying it as income by the creditor. I have requested a copy of the 1099-C form from the creditor, but they have failed to provide it. Despite this, the account continues to report monthly and inaccurately reflects an active debt. This is misleading and in violation of 15 U.S.C. 1681s-2 which prohibits the reporting of inaccurate information.

Please investigate and remove this account from my credit report immediately Sincerely, 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
Consumer complaint received 2025-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AR

Complaint narrative:
I sent a check 2 day shipping to the address I received from USAA when I called. It arrived in 2 days. USAA didnt make the payment. After XXXX weeks I called again to get a status update. During this call I was told it might take longer since I sent it to the wrong address. The USAA representative then told me where to send a new check if I needed to. After XXXX weeks I called the company issuing the check and gave them the new address and the issue I was having with USAA, they decided to send it them selfs. The new address is extremely hard to find online and is in a different city. Its been another few weeks and my account has not been paied. The check is to pay the account off in full. My Credit score is not being updated since my balance is not changing. I paid all my bills and sent all the original checks out on the same day. USAA is the only one who is not accepting the check.

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 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I 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, must allow at least 21 days between the statement date and the payment due 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 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 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 2025-12-15 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:
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, must allow at least 21 days between the statement date and the payment due 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 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 explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Received a text from Capital one indicating that someone used my info to open a card

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Relay Financial (US), Corp.

Complaint narrative:
Relay Financial closed my business account on XX/XX/year> and has since retained two balances : USD XXXX and EUR XXXX, received through Relays international payment system. To date, neither amount has been returned, and Relay has provided no verifiable proof that the funds were ever disbursed.

This is a new complaint because Relay has repeatedly provided generic and unsupported responses, stating that the matter is resolved and that the funds were disbursed, without supplying any technical documentation.

Regarding the USD balance, Relay claims the funds were disbursed by check, yet has provided no proof of check issuance, mailing, tracking, delivery, or negotiation, and has refused to offer any electronic transfer alternative. 

Regarding the EUR transfer, Relay has failed to provide a valid MT103 ( PDF ), UETR, SWIFT return reason code, or identification of the custodial bank holding the funds. A transaction record previously provided by Relay shows RETURN INTERNAL COMPLIANCE, indicating an internal return generated by Relay or its payment partner, not a rejection by the receiving bank.

The incoming EUR transfer lists THE CURRENCY CLOUD LIMITED as the beneficiary bank, confirming that the funds were received within Relays payment infrastructure and were not rejected by an external beneficiary bank.

Multiple agents have handled this case over several months, providing contradictory information and repeatedly requesting documents that were already submitted and verified. On XX/XX/year>, Relay stated it would investigate further but provided no timeline, evidence, or solution.

The funds remain under Relays custody or the custody of its payment partners, with no functional or verifiable method of recovery provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2025-12-15 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: OH

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 2025-12-15 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: TX

Complaint narrative:
I AM ASKING FOR THE PERMANENT REMOVAL OF THE FRAUDULENT HARD INQUIRIES SHOWN ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE INQUIRIES, AND THEY WERE MADE WITHOUT MY KNOWLEDGE, WHICH IS A VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. TO SUPPORT MY REQUEST, I HAVE ATTACHED DOCUMENTS, INCLUDING AN FTC IDENTITY THEFT REPORT. I KINDLY REQUEST THAT THESE UNAUTHORIZED INQUIRIES BE DELETED IMMEDIATELY TO AVOID FURTHER DAMAGE TO MY CREDIT. IF THIS ISSUE IS NOT RESOLVED, I MAY BE FORCED TO TAKE FURTHER ACTION.

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 2025-12-15 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: SC

Complaint narrative:
Inaccurate and unverified information being reported on 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 2025-12-15 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: TX

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: MD

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: NY

Complaint narrative:
Several accounts and collection items are being reported with inaccurate, inconsistent, or unverifiable information. These include charge-offs that continue to show rolling delinquency after the charge-off event, collection accounts reported without proof of ownership or proper validation, and balances that appear unsupported by itemized documentation. A voluntary surrender auto loan is being reported with a remaining balance without evidence showing how the deficiency was calculated or how collateral proceeds were applied. In addition, at least one hard inquiry appears on the credit report without clear authorization or verified permissible purpose. Disputes were submitted requesting reinvestigation, yet the credit bureau continued reporting these items without providing evidence that the furnishers validated the information as required by the Fair Credit Reporting Act. This ongoing inaccurate reporting has caused continued harm to the credit file and reflects a failure to ensure maximum possible accuracy.

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 2025-12-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
A PHH Mortgage Company representative provided me with a reinstatement code of {$3600.00}, due by XX/XX/XXXX. I asked her if the XXXX XXXX XXXX I usually use was an okay way to send the money, and she said yes. I sent the money on XX/XX/XXXX, but received a call from XXXX around XX/XX/XXXX, stating it was rejected. I called PHH Mortgage to see why and was told it was because the payment reached them on XX/XX/XXXX. Then they gave me two more weeks to pay over {$7000.00}, which I could not do on such short notice. I spoke with a representative and his supervisor, who notified me that I had reached the maximum number of modifications, but she would evaluate my case. She asked whether, if it were modified, I could keep up with the payments, and I said yes because I have a higher-paying job in another state. I also explained that I still have {$3600.00} and could pay ahead, minus the attorney fees. 

I explained to them that the home is boarded up because of needed repairs. And due to a divorce, I have been unhoused and have moved 5 times. Instead of working with me, they increased the payment, and it will be even higher in XX/XX/XXXX. I told them that I borrowed money, made the first foreclosure payment on XX/XX/XXXX, and that it was their error, not mine, that it increased to {$7000.00}. And, now, a higher increase would be 4 months of my salary. They respond that some XXXX XXXX send money right away, and others don't. I replied that in that case, make sure customers know that and just request overnight payments, which I would've done. XXXX doesn't have that policy posted and I wasn't notified. I need help to save my house from foreclosure.

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 2025-12-15 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:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history 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 to be 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. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 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! Update the late payments from my consumer reports.

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 2025-12-15 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: VA

Complaint narrative:
I have consistently maintained an on-time payment history, and I am committed to resolving this matter. I kindly request your consideration in waiving the late fee and removing the late payment from my credit report, as I believe this does not reflect my usual payment behavior.

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 2025-12-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Valon Technologies, Inc.
State: GA

Complaint narrative:
Starting XX/XX/year> our mortgage was sold to Valon. They asked for a copy of our existing insurance papers. We sent them over very quickly and thought this would be the end of the situation., however, nine months later, we are still dealing with this process. We never had a break in our insurance policy. We continue to send over our papers. They called and requested from our insurance company on five different occasions however the issue was still not resolved. Finally, we had to threaten legal action because they assessed insurance to our mortgage which they wanted us to pay, and we didnt pay the overage due to the fact that we have insurance. I have now found out that they want to foreclose on our property instead of solving the issue. I spoke again to someone on Thursday, XXXX of XXXX she said that she would call me back on XX/XX/XXXX because they were making this a priority as usual. I heard nothing back from them. My husband and I have done everything we have been asked to do without resolution so now my next step is to take legal action against the mortgage company. Our credit has been impacted unnecessarily, and this has been a complete nightmare. This company does not care about their customers at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 


FRAUDULENT ACCOUNTS : 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 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 XXXXXX/XX/year>

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 2025-12-15 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: MI

Complaint narrative:
Company : Equifax Information Services LLC Issue : Incorrect information on credit report / Failure to investigate dispute Account : XXXX XXXX ( credit card ) I am filing this complaint against Equifax Information Services LLC for violations of the Fair Credit Reporting Act ( FCRA ) related to inaccurate reporting and failure to provide the Method of Verification after dispute. 

I disputed the XXXX XXXX account with Equifax due to inaccurate and unlawful reporting. Despite my dispute, Equifax continues to update this account monthly without providing the required Method of Verification.

Specifically : 1. Failure to Provide Method of Verification After my dispute, Equifax did not disclose : The method used to verify the account The documents reviewed The name or title of any individual who verified the information This violates FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). 
XXXX. Inaccurate Post-Closure / Post-Charge-Off Reporting The account was closed and written off in XX/XX/XXXX, yet Equifax continues to : Report updated balances through late XXXX Report ongoing monthly derogatory payment history Once an account is closed and written off, it is no longer a monthly obligation. Continued updates constitute re-aging, in violation of FCRA 1681e ( b ) ( maximum possible accuracy ).

3. Conflicting and Inconsistent Data Equifax is reporting : Different balances ( {$130.00} and {$170.00} ) Different credit limits ( {$300.00} and {$500.00} ) Different closure dates ( XX/XX/XXXX and XX/XX/XXXX ) These inconsistencies make the account factually inaccurate and unverifiable. 
XXXX. No Reasonable Reinvestigation Equifax appears to rely solely on furnisher self-certification instead of conducting a reasonable reinvestigation, violating FCRA 1681i.

Company response to consumer: Closed with explanation