vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on XXXX. 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.

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 2025-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
EVERY MORNING, UPON SEEING THESE FRAUD ACCOUNTS, I GET XXXX. I WANT THESE TO BE TAKEN OFF FROM MY REPORT IMMEDIATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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 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 non-monetary relief
Consumer complaint received 2025-09-08 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: GA

Complaint narrative:
I am submitting this complaint against the three major credit bureausExperian, XXXX and XXXX ongoing, systemic violations of the Fair Credit Reporting Act ( FCRA ) and failure to comply with XXXX XXXX Format and XXXX industry standards. 

Despite submitting multiple disputes concerning inaccurate, unverifiable, and/or outdated negative items on my credit reports, the credit bureaus have consistently responded with vague verified as accurate outcomeswithout producing a single shred of documentary evidence or conducting a lawful investigation as required under 15 U.S.C. 1681i ( a ).

Instead, they rely on the deeply flawed and automated e-OSCAR system, which merely forwards dispute codes to furnishers and accepts their response without independent verification. This practice has been widely criticized by the CFPB and ruled inadequate in court.

Violations and Legal Basis : The following violations form the basis of this complaint : 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681s-2 ( b ) Furnisher failure to correct or delete disputed information Metro 2 and CDIA Guidelines Failure to comply with reporting format and data integrity standards Further, the credit bureaus use of e-OSCAR has been ruled insufficient in legal precedent : " A credit reporting agency may not rely blindly on the [ furnisher 's ] investigation. The agency has an obligation to conduct a reasonable investigation itself. '' XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) These harms are measurable, preventable, and attributable to willful negligence and disregard of consumer protection law. 

XXXX XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Relief Requested : I am requesting that the Consumer Financial Protection Bureau take appropriate supervisory or enforcement action and require Experian, XXXX XXXX XXXX to XXXX Immediately delete all negative items previously disputed that can not be verified with complete documentation Cease reporting unverifiable data and require original source validation for all disputes Re-review investigation procedures and prohibit reliance solely on e-OSCAR as a substitute for human reinvestigation Certify in writing that corrective actions have been taken and notify all furnishers and third-party users of the updated information

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 2025-09-08 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: SOFI TECHNOLOGIES, INC.
State: IN

Complaint narrative:
Each time I call SoFis customer service, I am prompted to press XXXX to receive a survey after the call or XXXX to decline. I have consistently pressed XXXX ( decline ). Despite this, I continue to receive survey calls from the same number that is also used to deliver one-time passcodes for account login. Because the same number is used for both security and marketing, I can not block or mute these calls without also interfering with secure access to my account. 
This conduct constitutes a misuse of my personally identifiable information for marketing and quality assurance purposes without valid consent, and it persists even after I have explicitly opted out multiple times. 
I believe these practices are in violation of FCC/FTC regulations, including the Telephone Consumer Protection Act ( TCPA ) and Do Not Call protections. SoFi has been informed of this issue multiple times, but has failed to address it in their CFPB complaint response, and the calls continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have identified collection accounts on my credit report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a credit report that is accurate and reliable. I request a thorough investigation of these accounts, and if they can not be verified as accurate, they must be deleted from my 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 2025-09-08 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: TN

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-09-08 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 explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Today, XX/XX/XXXX, I was filing a dispute with the Transunion department regarding a payment date I hadn't made. Before speaking with them, I contacted XXXX XXXX and asked about the XX/XX/XXXX, payment date, how it was made, and who it was made by. They only told me via a cell phone, but they couldn't tell me who used which card. I had already checked my bank account for that date, and there was no payment made. 
As part of this investigation with the Transunion  service, they informed me that there was also an error in the amount I was being charged. They recommend that I file a complaint with the CFPB.

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 2025-09-08 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: CA

Complaint narrative:
Im contacting you to formally dispute an item currently listed on my credit report that is inaccurate and not in compliance with the Fair Credit Reporting Act ( FCRA ). Specifically, the information in question does not meet the standard of maximum possible accuracy, as required under FCRA Section XXXX ( b ). 

I take my credit and financial record very seriously, and I expect that anything being reported under my name is fully accurate and properly verified. In this case, that standard is not being met. Whether due to outdated, incorrect, or incomplete reporting, the presence of this item is misrepresenting my credit history and unfairly affecting my financial reputation.

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 2025-09-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This communication serves as a dispute against fraudulent accounts that appear on my credit report. These accounts were not opened by me, not authorized by me, and are the result of either error or identity misuse. Their presence damages the accuracy, completeness, and fairness of my credit profile.

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 2025-09-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Wolf River Development Company
State: AZ

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXXXXXX XXXX XXXX DC XXXX Subject : Complaint Against Northern Star Lending LLC XXXX XXXX XXXX  Dear CFPB, I am writing to formally file a complaint against Northern Star Lending LLC regarding a high-interest tribal loan I received. The loan agreement includes an Annual Percentage Rate ( APR ) of 736.04 %, which I believe is exploitative and violates XXXX consumer protection and usury laws. 

Northern Star Lending claims tribal sovereign immunity under the XXXX XXXX XXXX, yet they operate outside tribal lands and are not licensed to lend in Arizona. The contract includes questionable provisions such as : - Excessive APR far beyond legal limits - Wage assignment authorization - Remotely created checks without my signature- Arbitration clause that limits my legal recourse I believe these terms are unconscionable and deceptive. I have revoked all payment authorizations and wage assignments and request that the CFPB investigate this lenders practices. I am seeking cancellation of the loan and removal of any negative credit reporting associated with it. 

Please let me know if additional documentation is needed. I appreciate your attention to this matter and your commitment to protecting consumers from predatory lending. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX ( XXXX ) XXXX XX/XX/year>XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: KY

Complaint narrative:
I was in a car accident!!! XX/XX/XXXX XXXX I went to XXXX XXXX XXXX in XXXX  Ky when I was giving a XXXX and others tested!!! My lawyer and Auto Insurance Company agreed to pay the Bill!!! I have went today which is XXXX XXXX to the Hospital Billing Office when they provide me a letter stating that I XXXX XXXX was not supposed to be Billed for this amount!!! That the insurance company was paying the Hospital Bills!!!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MN

Complaint narrative:
On XX/XX/XXXX and XXXX, a XXXX accessed my account without my knowledge or permission and withdrew a total of XXXX in XXXX seperate transactions ( XXXX & XXXX ). I reported this the day I discovered it & within 60 days of the first statement showing the errors. Cashapp denied my dispute without a reasonable investigation. I re submitted the same dispute ( both times with supporting documentation PROVING the transactions were done on a device that does not belong to me via Cashapp 's own data ). The second time, they actually looked into it and they reopened my cashapp account ( which had been closed due to my reporting the fraud ). So they basically said they had been wrong and that my account has been re enabled and that my account HAD, in fact been compromised & that they secured it for me. HOWEVER, they STILL did not reimburse me the {$3000.00}. I am shaking as I type this because this is totally messing up my credit. I am behind on XXXX bills now and my score has taken a hit by XXXX. They agreed they had made a mistake ( by not actually investigating the first time ) & admitted my account was compromised. So they, by XXXX XXXX, must correct the error. They haven't. I filed the initial Regulation XXXX dispute on XX/XX/XXXX. How can they admit the error but not correct it? XXXX so beyond stressed and I don't know where to turn here. Its wrecking havoc in my life financially and mentally. XXXX XXXX from MN XXXX XXXX XXXX told me to file a complaint here for a refund for the money stolen as she said they do not have authority to regulate under Federal Regulation XXXX Please help me recover these funds as this has been beyond devastating.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
Friday morning I tried to send a wire transfer to my account at XXXX XXXX  via the US Bank App on my phone. It didn't go through and gave me a number to call. I called the number and asked the woman to send the wire for me since I could not do it online. She set it up and I thought it would go through. 
Shortly after my phone call trying to set up the wire, I received a call from US Bank fraud alert. I had a nice discussion with XXXX (? ), we talked about potential scams, etc. and she said they did not allow the wire to go through. I thanked her and then called XXXX XXXX to confirm that I had my account with them and that there was no other person listed on my account that would have access to my account. 
After my call to XXXX, I received another call from US Bank fraud, XXXX, and she said that they could cancel my account for trying to send this wire. I politely explained to her that I talked with her colleague and then I called XXXX to confirm my account was legitimate. I was in disbelief that US Bank would not send a wire to a legitimate bank account with my name on it. We discussed how crazy it was when you look at the facts but she would not allow the wire to go through and reminded me that my account could be closed. 
XXXX, to the best of my digging ability, initiated my account closing. 
My issue is the US Bank  closed my account without even giving me a warning. The first fraud call came after I tried to send the wire twice. It is unjust and not warranted to close my account without any explanation. 
I called and I was told there is nothing I can do to change the decision. That really bothers me because I argue on principles and they don't have any good principle to stand on as a reason to close my account. Total BS and this will cause me grief and aggravation on top of the hours I've spent on the phone getting the runaround. 
My account number on the next page is my debit card number, they locked me out of my account. 
Thanks for listening.

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 2025-09-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am disputing the fraudulent accounts reflected on my credit report. These accounts were never opened, used, or authorized by me, yet they are being wrongfully reported as if they are valid. This is a serious error that compromises the accuracy of my credit file and undermines my financial credibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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 this complaint to notify you that I have been a victim of identity theft. As per FCRA Section 605B regarding Credit Reporting Agencies, I must report this to the Federal Trade Commission or visit FTC.gov to file an official report. I understand that you are required to investigate any items listed on an identity theft report. Attached are the relevant documents to support the investigation into the inaccurate information reported on my credit file, including a list of items that do not belong to me or were initiated without my consent. 
XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX : {$3900.00} XXXX XXXX  XXXX Balance : {$6900.00}

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