vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-22 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Dear TransUnion 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 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 2025-10-22 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: TX

Complaint narrative:
Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, TX XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, TX XXXX Incorrect XXXX : - XXXX Employer - XXXXXXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX, TX XXXX Employer - XXXX XXXX Incorrect Name : - XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX  - 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 XXXXXXXX Listed below are the Collections that are being challenged XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged 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 non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Credit Control, LLC
State: AL

Complaint narrative:
I have been contacted by Credit Control LLC regarding an alleged debt. I disputed this debt in writing on XX/XX/year> and twice on XX/XX/year>. Despite these disputes, Credit Control LLC continued to send collection emails on XX/XX/year>, XX/XX/year>, and XX/XX/year>, which violates my rights under the Fair Debt Collection Practices Act ( FDCPA ). Under the FDCPA, a debt collector must cease collection efforts. 

Resolution Requested : I request that Credit Control LLC : Immediately cease all collection activity Correct any inaccurate information reported to the credit bureaus regarding this debt. 

Provide written confirmation that they will stop unlawful collection attempts and acknowledge the disputes I have submitted.

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 2025-10-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Selene Holdings LLC
State: TX

Complaint narrative:
I fell behind on my mortgage due to loss of income. I applied for a loan modification and was initially approved for a XXXX  month trial period plan. I made XXXX of the XXXX payments but was suspended from work for exactly XXXX month. I wasn't able to make the last payment on got disqualified from the trial plan.When I returned to work I reapplied for another modification plan. While awaiting a decision my loan was transferred to another servicer. The new servicer never contacted me letting me know that they were now handling my loan, and I was never notified of my modification decision. Unfortunately I ended up briefley losing my job. I was able to regain my job back after XXXX  months but I also suffered another setback during that XXXX  months. I fell and fractured my right hip a week before XXXX.I required immediate XXXX and spent months in recovery. Although I had got my job back I still was unable to return to work full time & had to go on short term XXXX. I should mention that the XXXX  contact I had with SN servicing was when I received a foreclosure sale date letter from them set for the beginning of XX/XX/year>. This was XXXX  months from where I applied for the XXXX modification. I had no other option other than to file for chapter XXXX bankruptcy to stop the foreclosure. I was in chapter XXXX for XXXX  months until I returned to work. Once I returned to work I requested it my chapter XXXX be dismissed. I then applied for a loan modification with the new servicer that took over my loan Selene Finance. This is now the XXXX or XXXX new loan servicing company that mybloan has transferred to in a year. Iwas denied my modification for reasons not specifically made available to me. The denial letter stated I was denied due to my XXXX not meeting qualifications. My XXXX is XXXX  % which should qualify for a modification. I called Selene & the representative was extremely rude & still unable to provide me detailed info on why I was denied. I also sent an appeal letter via certified mail but have not been given a reply

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
XXXX XXXX XXXX Last XXXX of XXXX To : [ XXXX XXXX XXXX XXXX XXXX  ] Subject : Formal Credit Report Dispute To Whom It May Concern : I am writing to formally dispute the following information on my credit report. The accounts listed below are being reported by third-party collection agencies with which I have no contractual agreement. Please verify the validity of these accounts with the original creditor and provide documentation proving your legal right to report this debt. If you can not verify these accounts, I request their immediate removal from my credit report. 

Disputed Accounts : XXXX XXXX XXXX XXXX - {$850.00} XXXX XXXX XXXX XXXX - {$1000.00} XXXX XXXX XXXX - {$300.00} XXXX XXXX XXXX XXXX- {$9700.00} XXXX XXXX XXXX XXXX - {$750.00} LVNV Funding LLC - {$560.00} LVNV Funding LLC - {$480.00} LVNV Funding LLC - {$580.00} LVNV Funding LLC - {$490.00} LVNV Funding LLC - {$1300.00} XXXX XXXX- {$5000.00} These accounts are disputed under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I request that all necessary corrections be made to my credit file within the legally mandated timeframe of XXXX  days from receipt of this letter. 

Please send written confirmation of your investigation results to my mailing address listed above. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
On XX/XX/year> Capital One Bank notified me that my account would be closed. However, they did not provide a specific timeline for when I would receive my funds. I was informed that, due to an investigation related to a chargeback, it could take as long as XXXX  days to access my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: SC

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce 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 2025-10-22 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: AR

Complaint narrative:
I believe the late payments and delinquent status appearing on my credit are in error. The accounts were not late under the agreed terms, so those remarks should be deleted. Please update the accounts to Paid as Agreed and eliminate any delinquent status.

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 2025-10-22 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: IN

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 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 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 2025-10-22 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: GA

Complaint narrative:
i have reviewed my credit report and found these unverified items. please remove, update or correct these items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: FL

Complaint narrative:
XX/XX/year> with all 3 credit bureau I filed a formal dispute made under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Uniform Commercial Code ( UCC 1-308 and 9-210 ). In the letter I stated that I hereby reserve all rights and do not waive any remedies available to me under state or federal law. In the letter i demand for the re-investigation and removal of inaccurate, unverifiable, and obsolete information on my credit report. All of these accounts are settled and paid in full. 
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 XXXXXXXX XXXX XXXXThese accounts have been paid and closed, yet continue to display derogatory or misleading information, which violates FCRA 623 ( a ) ( 1 ) ( A ) and 602 ( A ). 

I requested that it should no longer appear on my report. I asked that a full re-investigation be done and be deleted with proper documentation within 30 days, No action was taken by this company

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 2025-10-22 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: FL

Complaint narrative:
XX/XX/year> with all 3 credit bureau I filed a formal dispute made under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Uniform Commercial Code ( UCC 1-308 and 9-210 ). In the letter I stated that I hereby reserve all rights and do not waive any remedies available to me under state or federal law. In the letter i demand for the re-investigation and removal of inaccurate, unverifiable, and obsolete information on my credit report. All of these accounts are settled and paid in full. 
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 XXXXXXXX XXXX XXXXThese accounts have been paid and closed, yet continue to display derogatory or misleading information, which violates FCRA 623 ( a ) ( 1 ) ( A ) and 602 ( A ). 

I requested that it should no longer appear on my report. I asked that a full re-investigation be done and be deleted with proper documentation within 30 days, No action was taken by this company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: MO

Complaint narrative:
On XX/XX/year> at XXXX and XXXX there were XXXXwo transactions for {$140.00} and another for {$86.00}. I contacted Cash App and they denied me saying I let someone withdraw funds from my account. I was at home at XXXX XXXX XXXX XXXX XXXX, MO XXXX the withdrawals happened at XXXX XXXX XXXX XXXX XXXX XXXX from a XXXX ATM. I tried contacting the atm company to no avail their numbers does not work. The local PD will not help me with anything they said its not over {$500.00} you are out of luck with us. 

I contacted XXXX corporate and they said they would put a case in for me to speak with the district manager over the stores. The case number for that is XXXX and his name is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Late or other fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have been a CHASE customer for more than 20 years. I have more than 7 accounts with this bank and deposited more than {$15000.00} a month to these accounts. Due to my XXXX XXXX, I did not view one of my accounts and noticed a fraudulent service charge of {$5.00} for the past 11 months. When I called the customer service, I had to wait for one hour and the rep said she could not assist me and I have to talk to branch. Yesterday, XXXX I went to XXXX, XXXX XXXX branch and spoke with the banker for XXXX minutes. She misrepresented everything and said i have to to have {$300.00} in the account. The account had {$300.00} and somehow the bank started to apply these fraudulent charges to my account. Even though I explained to her that I am depositing more than {$15000.00} to these accounts, she refused to credit the account

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-22 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: SC

Complaint narrative:
Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681c2 ( Section 605B ), I am formally demanding the immediate removal, deletion, and blocking of the fraudulent accounts and inquiries listed on my credit report. This request is submitted under the protection of federal law due to verified identity theft and exposure of my personal information during the Equifax data breach, which significantly compromises the accuracy and integrity of the data being reported. Under Section 605B, the credit reporting agency is legally obligated to block and remove this information within four ( 4 ) business days upon receipt of a valid identity theft report. Failure to comply constitutes a direct violation of the FCRA and subjects your agency to regulatory consequences and potential legal action. This is a final and urgent demand for compliance. Please confirm the removal in writing and issue updated copies of my credit report reflecting these changes. Thank you for your prompt attention to this matter.

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 2025-10-22 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: AL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: AL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: CA

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: UT

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 : 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

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