vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-30 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:
RECENTLY I LOOKED AT A COPY OF MY CREDIT REPORT AND NOTICED SEVERAL INACCURACIES ON MY ACCOUNT. THIS ACCOUNT IS HURTING MY ABILITY TO OBTAIN CREDIT. IT IS MY UNDERSTANDING THAT YOU WILL INVESTIGATE THESE ITEMS FOR ME TO ENSURE ACCURACY. 

HERE IS THE ITEM I AM ASKING YOU TO VERIFY AS ACCURATE : AND REMOVE FROM MY CREDIT REPORT XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX NEED TO BE DELETE 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 non-monetary relief
Consumer complaint received 2025-09-30 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: TX

Complaint narrative:
RECENTLY I LOOKED AT A COPY OF MY CREDIT REPORT AND NOTICED SEVERAL INACCURACIES ON MY ACCOUNT. THIS ACCOUNT IS HURTING MY ABILITY TO OBTAIN CREDIT. IT IS MY UNDERSTANDING THAT YOU WILL INVESTIGATE THESE ITEMS FOR ME TO ENSURE ACCURACY. 

HERE IS THE ITEM I AM ASKING YOU TO VERIFY AS ACCURATE : AND REMOVE FROM MY CREDIT REPORT XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX NEED TO BE DELETE FROM MY CREDIT REPORT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bliksum, LLC
State: CA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf.

This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. This is a formal complaint against LOANME LLC/XXXX  XXXX a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ). I previously submitted a dispute challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation. Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy.LOANME LLC/XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I, XXXX XXXX, I am sending to formally dispute and request the immediate correction of inaccurate personal identifying information currently listed on my Experian credit report. 
Specifically, I am disputing the presence of incorrect names and addresses that are not affiliated with me and must be removed 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 2025-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: WI

Complaint narrative:
On XXXX tenth, my per cap was deposited into my account and following that to underartize transactions made to transfer money from my account to someone else 's from their device without my permission. The party even went as far as to putting it in the notes that they transferred the money on purpose and that XXXX not giving it back, they felt like they had grounds to take money out of my account without my permission {$800.00} and a {$150.00} after {$95.00} was transferred from my savings to my checking account to take the {$150.00} out of my account. Dispute XXXX different ti 'm this being the fourth time the first 3 times it was denied. 
XXXX, as well as XXXX police reports made changing it from a disturbance to fraud to full police reports. And currently still waiting on a reply and or provisionary credit of some sort.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: Maximus Federal Services, Inc.
State: NC

Complaint narrative:
This is not my account. I have never seen this. Its fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: IN

Complaint narrative:
I am submitting this follow-up complaint regarding an unauthorized inquiry that continues to appear on my credit report. An inquiry from XXXX XXXX XXXX dated XX/XX/year> is listed on my credit file without my authorization or a permissible purpose. I did not apply for credit, financing, or any service with this company, and therefore this inquiry violates the Fair Credit Reporting Act ( FCRA ) .604 ( a ) 15 U.S.C. 1681b ( a ) restricts access to consumer reports to permissible purposes only.604 ( f ) 15 U.S.C. 1681b ( f ) requires that any access without authorization is prohibited.619 15 U.S.C. 1681q prohibits obtaining consumer information under false pretenses.The presence of this inquiry negatively impacts my credit profile and score. Its continued reporting demonstrates a failure to maintain accurate and authorized information on my credit 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 2025-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TN

Complaint narrative:
I was originally contacted on XX/XX/XXXX via my email with a debt collection statement regarding a Balance Due and a statement saying that my creditor was willing to accept a lump sum to settle the debt. I received the same email on XX/XX/XXXX and XX/XX/XXXX. After the email in XXXX of XXXX, I reached out to TSI to verify that this debt of {$960.00} was mine. Keep in mind, there was absolutely no prior contact from either company trying to collect or validate the debt. The account just showed up on my credit report in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
They were unable to verify any information with me beyond my address and social security number. They did not offer to prove this debt was mine in any way. I also reached out to XXXX XXXX and they did not have the information " proving '' the debt was mine either. I have not lived in the state of Texas since XXXX of XXXX, the last statement they have, where the account went delinquent was well after that. I have no withdraws from XXXX XXXX or any third party associated with them on my bank statements from that time as well. 
Since that conversation I have not been contacted by XXXX XXXX or TSI again until XX/XX/XXXX. I have tried to dispute the collection account on XXXX XXXX with no resolution, there is no attempt by XXXX XXXX or TSI to do the right thing and either prove the debt is mine or delete it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
United Wholesale Mortgage ( UWM ) company made an error in reporting deductible mortgage points on IRS Form 1098 for tax year 2022. At the time of my home loan, I purchased mortgage points to reduce my interest rate. However, the Form 1098 they issued to me underreported the points I paid by {$2700.00}.

I identified this error and repeatedly contacted the company over the past several years. Despite my follow-ups, they failed to issue a corrected Form 1098 until recently ( more than three years after the original tax filing ). Because of their delay and negligence, I was unable to claim the deduction for the points on my tax return. The amended 1098 is now effectively useless, since the IRS statute of limitations for amending that tax years return has passed. 

The company has refused to accept responsibility for this mistake or offer any compensation. As a result, I have suffered financial harm by permanently losing the ability to claim a legitimate tax deduction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: PENTAGON FEDERAL CREDIT UNION
State: IL

Complaint narrative:
incorrect information on my report phone numbers and addresses

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had a Bank of America prepaid account connected to my unemployment benefits. Since XXXX, I have had repeated issues with my claims and access to my funds. My claim was denied several times, then later approved, but checks and notices were sent to old addresses and voided. In XXXX, I learned that over {$34000.00} was released through the account without my knowledge. I never received notice by mail or email about this, and I did not receive those funds. 

In XXXX, while I was XXXX, transactions occurred on my prepaid account that I could not have made. Despite providing this information, my claims for fraud were denied quickly, within only a few days, which made me feel as if there was no real investigation. 

More recently, I received a check in XX/XX/XXXXXXXX  that had originally been issued in XX/XX/XXXX. This shows that XXXX  XXXX XXXX claims and payment process has not been secure or reliable, and I have experienced delays, lack of proper notice, and denied access to my unemployment funds. 

I am requesting that this matter be properly investigated and that I receive the funds that were released or used without my authorization.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: AR

Complaint narrative:
This complaint serves as a formal dispute of several inaccurate, unverifiable, or outdated entries currently appearing on my credit report. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ) and 1681e ( b ), I am requesting a full investigation of the items listed below and their removal within the legally mandated 30-day timeframe. 
Upon reviewing my credit report, I have found the following entries to be inaccurately reported, unverifiable, or misleading : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX  Balance : {$260.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX  Balance : {$390.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXXXXXX 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 XX/XX/year> These accounts and inquiries are being disputed due to possible inaccuracies, unverifiable information, or failure to meet the standards set forth by the FCRA. I request that each of these items be fully investigated. If they can not be verified through original sources and accurate documentation, I demand their removal.

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 2025-09-30 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: FL

Complaint narrative:
I am disputing the inaccurate reporting of my XXXXXXXX XXXX XXXXXXXX account, which reflects a balance of {$0.00}, a date opened of XX/XX/XXXX, and a date of last payment of XX/XX/XXXX. Despite this account showing no balance and no ongoing obligation, the credit report inaccurately lists multiple late payments : XXXX  days late in XX/XX/XXXX and XX/XX/XXXX, and XXXX  days late in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Reporting late notations on an account with a XXXX balance creates a misleading and unfair impression of current delinquency. Under FCRA 605 ( a ) [ 15 U.S.C. 1681c ], obsolete or misleading information must not be reported. Furthermore, FCRA 623 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ] requires furnishers to report only accurate information, and FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] requires consumer reporting agencies to maintain reasonable procedures to assure maximum possible accuracy of the information they 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 2025-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: CA

Complaint narrative:
Aldous and Associates is attempting to collect a debt of XXXX for a XXXX XXXX XXXX XXXX 

My girlfriend got us both gym memberships, she paid the monthly payments for 2 years and we never went to the gym a single time. After 2 years she called in to cancel the memberships. Everything should be square. 

Now they are saying i owe {$150.00}. I never physically went to the gym, spoke to anyone from the gym, I never signed any type of contract. How can they say I owe a debt so for something I never signed up for? Its crazy. I explained this to Aldous and Associates but they didnt want to hear it. Im not paying a debt I didnt sign up for. I have a perfect payment history on all my credit cards and loans, I pay my debts. this is effecting my credit score negatively and is not fair considering I never signed up for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRG STX Properties, LLC
State: TN

Complaint narrative:
I was originally contacted on XX/XX/XXXX via my email with a debt collection statement regarding a Balance Due and a statement saying that my creditor was willing to accept a lump sum to settle the debt. I received the same email on XX/XX/XXXX and XX/XX/XXXX. After the email in XXXX of XXXX, I reached out to XXXX to verify that this debt of {$960.00} was mine. Keep in mind, there was absolutely no prior contact from either company trying to collect or validate the debt. The account just showed up on my credit report in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
They were unable to verify any information with me beyond my address and social security number. They did not offer to prove this debt was mine in any way. I also reached out to XXXX XXXX and they did not have the information " proving '' the debt was mine either. I have not lived in the state of Texas since XXXX of XXXX, the last statement they have, where the account went delinquent was well after that. I have no withdraws from XXXX XXXX or any third party associated with them on my bank statements from that time as well. 
Since that conversation I have not been contacted by XXXX XXXX or XXXX again until XX/XX/XXXX. I have tried to dispute the collection account on XXXX XXXX with no resolution, there is no attempt by XXXX XXXX or XXXX to do the right thing and either prove the debt is mine or delete it.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-30 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: MA

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : Account Name : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Fidelity National Information Services, Inc. (FNIS)
State: IL

Complaint narrative:
incorrect information on my report addresses and phone number

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