vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-16 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: GA

Complaint narrative:
Hello CFPB, I am filing this complaint on behalf of a XXXX XXXX whose livelihood and family stability are being severely harmed by Experian, Equifax, and TransUnion. 

XXXX XXXX XXXX XXXX XXXX XXXX previously reported a tradeline tied to XXXX XXXX XXXX XXXX. However, on XX/XX/year>, XXXX XXXX responded in writing to a CFPB dispute confirming : The account was closed in its entirety. 

The balance was {$0.00}, as confirmed by the official housing clearance letter. 

They instructed that the tradeline be removed from all credit reporting. 


Despite this clear directive, more than XXXX months later, Experian, Equifax, and TransUnion are still reporting this tradeline. 

This is not a clerical error. It is a willful violation of the Fair Credit Reporting Act ( FCRA ) : FCRA 607 ( b ) : Failure to maintain maximum possible accuracy.

FCRA 611 ( a ) ( 5 ) : Failure to promptly delete inaccurate information after a furnishers correction.

FCRA 616 : Liability for willful noncompliance, including actual and punitive damages.

Impact of Harm : This XXXX has been denied stable housing for his family because landlords rely on inaccurate bureau reports. 

His federal employment has been directly jeopardized, as federal background checks rely heavily on these reports. His career is at stake because of the bureaus failure to comply with the law. 

This has caused financial loss, reputational harm, and severe emotional distress for a servicemember who served this country honorably. 


Requested Resolution : XXXX. CFPB must order Experian, Equifax, and TransUnion to delete this tradeline within XXXX business days and confirm in writing that deletion has occurred. 


XXXX. CFPB must investigate why the bureaus ignored XXXX XXXX clear instructions and continued reporting. 


XXXX. CFPB must require the bureaus to provide monetary relief and punitive damages to compensate for the housing denials, employment interference, and distress caused by nearly a year of noncompliance. 



Evidence attached : Housing clearance letter ( showing {$0.00} balance ). 

XXXX XXXX XX/XX/year> CFPB response confirming closure and 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 explanation
Consumer complaint received 2025-09-16 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:
I am submitting this formal dispute concerning fraudulent accounts that have been reported under my credit file. I did not authorize, open, or have any association with these accounts, and their appearance is both false and misleading. Such inaccurate reporting is harmful, undermines the integrity of my credit history, and creates an unfair and damaging representation of my financial responsibility.

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 2025-09-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Branch Messenger, Inc.
State: OH

Complaint narrative:
On XX/XX/year>, I filed a dispute with Uber Pro Card regarding a XXXX rental car charge. XXXX confirmed in writing and I provided a screenshot of their email that a refund of {$780.00} was processed to my Uber Pro Card account. 

However, Uber Pro Cards dispute system only allowed me to submit a claim for {$420.00} ( a partial amount ), preventing me from disputing the full {$780.00} refund owed. Despite providing XXXX written confirmation of the full refund, Uber Pro Card closed their investigation and concluded no error occurred. Their letter makes no mention of the XXXX documentation I submitted and provides no explanation of where the refund was applied. 

As of today, the {$780.00} refund acknowledged by XXXX has been credited to my account. Uber Pro Card also never contacted me by phone or email to ask clarifying questions, request additional documentation, or address the written evidence I submitted. 

This handling violates the Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1666, the Truth in Lending Act ( TILA ), 15 U.S.C. 1643, and Regulation Z, 12 C.F.R. 1026.13, which require a reasonable investigation of billing error disputes and proper crediting of refunds. Specifically : 15 U.S.C. 1666 ( a ) : Requires proper investigation and correction of billing errors within two billing cycles.

15 U.S.C. 1666 ( b ) ( 3 ) : Defines a billing error to include failure to properly credit a payment or refund.

12 C.F.R. 1026.13 ( c ) ( 2 ) : Requires acknowledgment and investigation of all amounts and evidence submitted by the consumer.

12 C.F.R. 1026.13 ( f ) : Requires a reasonable investigation and written findings after considering the merchants and consumers evidence.

Requested Resolution : 1. A full accounting and explanation of where the {$780.00} refund from XXXX was posted, or acknowledgment that it was never credited. 


2. Immediate crediting of the disputed amount. 


XXXX. Correction of Uber Pro Cards dispute-handling process so consumers are not prevented from filing disputes for the full amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
On XX/XX/2025, I sent {$1700.00} via XXXX from my Chase Bank account to XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX XXXX ) under a business consignment agreement for my RV. This was a scam. XXXX XXXX has not provided any accounting, rental proceeds, or services as promised, and has ignored my certified demand letter. Chase has refused to investigate or provide any remedy, stating only that the payment was authorized. This is unacceptable. I am requesting that Chase fully investigate this scam transaction, escalate it with XXXX, and reimburse me for the {$1700.00} loss. Chases refusal to act leaves consumers unprotected and violates reasonable expectations of fraud prevention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I received a new Wells Fargo Credit Card in the amil that I did not apply for. A few days later, I received a credit card statement with a balance of {$10000.00}. The statement detail said {$10000.00} was for a balance transfer and {$360.00} was for balance transfer fees. I did not apply for the card nor did I initiate any balance transfer. Thank you.

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 2025-09-16 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: TX

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : 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 2025-09-16 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: NY

Complaint narrative:
This is a formal dispute under FCRA 611. I demand immediate reinvestigation of the following items : Accounts in Dispute 1. XXXX XXXX XXXX XXXX Acct # XXXX o Status = Refinanced while also reported as Collection/Charge-off. 
o This is not a valid Metro 2 Account Status code for collections.

o Last Activity date = XXXX XXXX XXXX, inconsistent with TransUnion ( XX/XX/year> ). 
o Violates FCRA 607 ( b ), Metro 2, and XXXX XXXX XXXX XXXX XXXX. 
2. XXXX XXXX XXXXXXXX Acct # XXXX o Reports multiple late payments, but TransUnion shows none. 
o XXXX XXXX vs. XXXX XXXX conflicts ( {$630.00} vs. {$500.00} ). 
o Masked account number. 
o Remarks = Loss by XXXX XXXX not consistently reported across bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: United Shore Financial Services, LLC
State: CO

Complaint narrative:
I am filing this complaint against United Wholesale Mortgage for providing contradictory and misleading payment instructions, which has caused significant financial stress and placed me at risk of late fees, double payment, and potential credit damage. 

Between the dates of XX/XX/XXXX - XX/XX/XXXX, I spoke with multiple representatives from the servicer regarding how to make my mortgage payment : Representative XXXX ( XX/XX/XXXX ) instructed me to send checks payable to XXXX XXXX XXXX and Reporting at the companys designated PO Box . I sent out the checks the same day. 
I spoke with a representative on the phone on XX/XX/XXXX ( waiting for my checks to arrive ), and she told me that it can not be a regular check, that it needs to be a cashier 's check or a money order. Same day, I send two cashier checks in the mail, totaling almost {$7000.00}. 
Representative XXXX ( XX/XX/XXXX ) later told me that sending checks to this PO Box was impossible and that I should cancel the checks and reissue them. 
Representative XXXX then contradicted both of them, explaining that XXXX was wrong ( the payee should be United Wholesale Mortgage ) and that XXXX was also wrong because checks can be sent to the PO Box .

I followed the instructions provided and mailed two cashiers checks totaling {$7000.00}, but USPS tracking now shows the checks stuck in transit. I needed to contact USPS, and they are saying the checks will not be there for another 10 days. Because of the inconsistent and inaccurate instructions from the servicers own employees, I am now facing : The possibility of a missed or misapplied payment, despite following the servicers directions.

The inability to safely issue replacement funds without risking double payment.

Unnecessary stress, sleepless nights, and personal and work time lost due to conflicting guidance.

This conduct violates UWM 's obligation under federal law ( RESPA ) to provide clear, accurate, and consistent information regarding mortgage servicing and payments.

And to add as a note, my loan was transferred over a few months ago and I never had a missed payment or insufficent funds to pay my mortgage. I tried putting autopay on, and they will not allow me to do so either.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: MO

Complaint narrative:
This inquiry is not mine, and it's clearly fraudulent. I have no knowledge of these inquiries and request immediate action to address them. Please see the attached documents for reference.

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 2025-09-16 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: TX

Complaint narrative:
It is very upsetting that the inaccurate accounts continue to remain on my credit reports even after all this time. I urgently need the documents Ive sent to be fully checked so I can finally stop worrying day after day about this situation.

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 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have encountered difficulties accessing my EQUIFAX account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: CA

Complaint narrative:
I am writing to formally dispute the late payment entries currently listed on my credit report. I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies remain unresolved.

This prolonged issue has caused ongoing financial strain and has negatively affected both my credit standing and overall well-being. The process of addressing these errors has been not only frustrating but also mentally and emotionally exhausting.

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to a credit report that accurately reflects my financial history. This includes the timely correction or removal of outdated, incorrect, or unverifiable information. I am therefore urging your office to take immediate and appropriate action to update or delete the reported late payment entries in question.

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 2025-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
On XX/XX/year>, a fraudulent application using my credentials for a PayPal Cashback Mastercard was declined due to a credit freeze on my credit. 
On XX/XX/year>, I received a letter from Synchrony Bank informing me of the declined application. I reported the fraud to Synchrony Bank XXXX Department and closed my XXXX XXXX accounts. 
On XX/XX/year>, a fraudulent application using my credentials for PayPal Credit was declined due to application has identity theft factors. 
On XX/XX/year>, I received a letter from Synchrony Bank informing me of the declined application. I reported the fraud to Synchrony Bank XXXX Department, XXXX XXXX : XXXX. 
Synchrony Bank has not provided me with proof of fraud investigation and refused to provide application details for both identity theft incidents to report them to the appropriate law enforcement agency. These are repeated crimes involving their product and they appear not to acting to stop and protect innocent victims.

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 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-09-16 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: GA

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

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 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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 fraudulent accounts that have been inaccurately included in my credit profile. These accounts are not mine, were not authorized by me, and represent false information that damages both my financial reputation and my creditworthiness. Their continued reporting misrepresents my financial responsibility and violates my right to accurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: GA

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 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 2025-09-16 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NY

Complaint narrative:
On XX/XX/year>, a representative of Fair Collections & Outsourcing ( FCO ) assured me that I would receive a response within one day regarding : The legal basis for doubling my rent from {$4500.00} to {$8700.00}, The reason I am being charged for a late vacancy notification, and An itemized breakdown of charges.

I did not receive any information. On XX/XX/year>, I followed up by email. FCO then sent me an itemized breakdown, but did not provide any legal documentation to justify : Doubling my rent, or Claiming I failed to give proper notice of vacancy.

I did provide timely notice of vacancy, but the rental company is falsely claiming that I did not.

Since then, my repeated written requests for validation and documentation have been met with the same response : I am instructed to call them, and no proof has been provided.

This is a violation of the Fair Debt Collection Practices Act ( FDCPA ) because they continue collection efforts without providing proper written validation.

I am requesting CFPB assistance to require FCO and the landlord ( Equity Residential, XXXX XXXX XXXX XXXX XXXX XXXX ) to : Provide full written documentation supporting their claims, or Cease all collection activity and confirm in writing that the alleged debt has been closed and will not be reported to credit bureaus.

Company response to consumer: Closed with explanation