vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-27 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: NC

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-10-27 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:
I am begging for your attention because I still see inaccurate accounts on my credit report and they have not been taken off. This has been haunting me and I am pleading that the documents I attached are carefully reviewed so I can finally stop living in fear of this continuing.

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 2025-10-27 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:
I am begging for your attention because I still see inaccurate accounts on my credit report and they have not been taken off. This has been haunting me and I am pleading that the documents I attached are carefully reviewed so I can finally stop living in fear of this continuing.

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 2025-10-27 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: MD

Complaint narrative:
I found discrepancy andi inaccuracy in my credit reporting with XX/XX/XXXX XXXX by the three credit bureaus are disputed for remover according to the fair credit reporting Act - This federal law gives me the right to dispute inaccurate or incomplete information on your credit report. - Credit reporting agencies ( like Equifax, XX/XX/XXXX, and TransUnion ) must investigate your dispute, usually within 30 days. - If the information is found to be incorrect, it must be corrected or removed from your credit report. - You must be notified of the results of the investigation. Section 611 ( 15 U.S.C. Copy of the resort is attached to this file Account should be removed from my credit report because of inaccuracy not modify

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 2025-10-27 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: LA

Complaint narrative:
Unauthorized access to my credit report by several companies has caused direct and measurable harm to both my credit and credit score. I previously contacted your agency regarding this matter and was assured by a representative that these unauthorized inquiries would be removed. That assurance has not been honored these inquiries still remain. 

This continued inaction is unacceptable. The presence of these potentially fraudulent entries is deeply concerning and raises serious questions about possible identity theft. The ongoing inaccuracy of my report is causing continued emotional distress and financial damage.

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 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MA

Complaint narrative:
Hello, On XX/XX/year>, I sent money to XXXX using MoneyGram 's online services. A Reference Number : XXXX was issued for this transaction, which amounted to {$4500.00}, along with a sending charge of {$1.00}. Shortly after the transaction, MoneyGram canceled it and sent me an email stating that a refund would be issued and credited to my funding account within XXXX business days. 

However, it has now been a month, and no funds have been credited to my account, despite multiple attempts to contact MoneyGram. Unfortunately, my calls get dropped, and online chats end without resolution. My funding account was issued by MoneyGram under a contract with XXXX, ending in XXXX card number * * * * XXXX. I am concerned since XXXX recently sent an email indicating that they are terminating their partnership with MoneyGram, and my funds may not be processed before that happens, potentially resulting in losing access to my account. 

MoneyGram claims that the funds have been refunded, but I do not see any credit on my MoneyGram-issued debit card from XXXX. All my attempts to resolve this issue with MoneyGram have been unsuccessful, as my calls are consistently dropped. The customer care service number listed on the XXXX MoneyGram debit card directs me back to MoneyGram, which limits my options for assistance. 

I would greatly appreciate your help in resolving this matter. 

Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-27 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: SC

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-10-27 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: SC

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 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:
I am writing to formally dispute several inaccurate and potentially unauthorized entries listed on my Equifax credit report. As a consumer, I am protected under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Uniform Commercial Code ( UCC ). This dispute is based on clear violations of : FCRA 607 ( b ) : Failure to maintain maximum possible accuracy.

FCRA 611 ( a ) ( 1 ) ( A ) : Requirement to conduct a reasonable reinvestigation.

FCRA 611 ( a ) ( 5 ) ( A ) : Duty to delete unverifiable information. 
XXXX XXXX XXXX Standards : Improper account status and inconsistent payment history. 
Equifax Data Breach ( 2017 ) : Creates risk of unauthorized access under FCRA 605A and 15 U.S.C. 1681c-1. 
Disputed Items : XXXX. XXXX XXXX XXXX XXXX Account # : XXXX o Issue : Discrepancy in derogatory reporting. Experian shows XXXX delinquency while Equifax marks as pays as agreed. This is materially misleading and violates XXXX XXXX compliance. 
XXXX. Hard Inquiries Not Tied to Open Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries have no corresponding open or authorized account. Given the recent Equifax data breach, I am concerned these may have been unauthorized.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Accounts : XXXX XXXX XXXX Dear American Express Compliance Department, I am submitting this complaint under the Fair Credit Reporting Act ( FCRA ) regarding three charged-off American Express accounts that continue to be reported inaccurately to XXXX XXXX XXXX XXXX. These accounts have been closed for years, yet your company keeps furnishing data that makes them appear recently active. For example, on or around October 2125, 2025, my Equifax file showed repeated credit-limit changes from {$0.00} {$1000.00} {$0.00}, causing daily credit-score fluctuations exceeding XXXX points. This misleading re-aging pattern violates 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ( furnishing information known to be inaccurate ) and 1681s-2 ( a ) ( 5 ) ( failure to report the correct Date of First Delinquency ). 
I previously mailed a Method of Verification ( MOV ) request to credit bureau certified on XX/XX/year>, indicating a breakdown in FCRA 607 ( b ) / 1681e ( b ) duties to maintain maximum possible accuracy. The continued updates and date changes transmitted by American Express have created ongoing emotional distress, score instability, and damage to my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
They were rude and claimed that I was going in circles, when I was wasnt and they werent making sense and didnt help at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
To Whom It May Concern, I am filing a complaint regarding USAA Federal Savings Bank and a dispute-processing error recently disclosed as impacting many customers including myself. 

USAA notified me that, due to a system issue affecting the period of XX/XX/XXXX through XX/XX/XXXX, disputes may not have been properly credited and customers could have been denied funds they were entitled to recover. 

My concerns are as follows : USAA will not disclose what happened with my account Although their customer service acknowledged that they can see which specific dispute ( s ) of mine were affected, they refused to provide the details when asked. Consumers should have full access to information about errors involving their own money. 

Conflicting deadlines for compensation/claims The mailed letter states I may request additional compensation until XX/XX/XXXX. 

The electronic/online notice states the deadline is XX/XX/XXXX. 
This inconsistency is unfair to consumers and may result in some losing eligibility through misinformation. 

Lack of transparency and accountability The disclosures given are extremely vague and do not meet the standards of transparency expected for a regulatory-handled restitution issue. When I reached out for clarification, representatives refused to explain the problem, its cause, or the specific impact on me. 

Requested actions : I am asking the CFPB to investigate and ensure USAA : XXXXProvides each impacted consumer with exact transaction details and amounts associated with the processing error -Clarifies, in writing, the correct and enforceable claims deadline -Supplies documentation of the remediation and assurance of compliance going forward -Communicates consistently and transparently with customers throughout the process I am prepared to upload the letter I received and documentation showing the conflicting information provided by USAA. 

Thank you for your assistance in ensuring USAA properly addresses this issue and respects consumers rights to accurate financial 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 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: FORD MOTOR CREDIT CO.
State: IL

Complaint narrative:
I, XXXX XXXX, am submitting this formal complaint regarding inaccurate and unauthorized negative information that appears on my consumer credit reports with one or more of the following credit reporting agencies : XXXX XXXX XXXX XXXX 

Despite my efforts to resolve these issues directly with the credit bureaus and creditors, the disputed accounts continue to remain on my credit profile. These negative items are causing unjust harm to my creditworthiness and are preventing me from obtaining fair access to credit and housing opportunities.

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am requesting the CFPB to investigate and compel the credit bureaus and data furnishers to : 1. Verify the accuracy, completeness, and validity of the reported items.

2. Remove or correct any item that can not be verified or is being inaccurately reported.

3. Ensure compliance with the FCRAs accuracy and reinvestigation requirements under 1681i ( Reinvestigations of Disputed Information ) and 1681s-2 ( Responsibilities of Furnishers of Information ) .

The specific negative items in question include accounts and/or inquiries that do not belong to me or have been reported inaccurately. I have attached supporting documentation for your review, including copies of my identification, recent credit reports, and prior dispute correspondence. 

I respectfully request that your office assist in ensuring that these violations are properly investigated and corrected, and that all inaccurate or unverifiable information is permanently removed from my credit reports. 

Please acknowledge receipt of this complaint and provide confirmation of your investigation status at your earliest convenience. I appreciate your assistance and prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc
State: KS

Complaint narrative:
I had a charge show up on my chime card for XXXX. I got an alert asking if it was mine and I said no. Instead of them removing it. It was posted to my account that put me in the negative high. I called to see about it and nothing but excuses. She also wanted to cancel my card which I told her no since I get paid in 2 days and would take XXXX to get a new card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: GA

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: MI

Complaint narrative:
The account was settled in full, but late payment notations remain.

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 2025-10-27 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
Complaint Against Shellpoint Mortgage Servicing for Knowingly Violating Bankruptcy Automatic Stay and Court Orders Bankruptcy Case Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am filing this complaint against Shellpoint Mortgage Servicing for knowingly violating the automatic stay and disregarding a federal bankruptcy court order in my active XXXX XXXX  case. 

I filed for XXXX XXXX XXXX XXXX XXXXXX/XX/year>, XXXX XXXX. XXXX, in the XXXXXXXX XXXX XXXXXXXX for the XXXX XXXXXXXX XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX officially served Shellpoint Mortgage Servicing with notice of my bankruptcy case. 

Before any violation occurred, I also spoke personally with XXXX attorney, XXXX XXXX, and gave her my case number, confirming that Shellpoint had direct and actual knowledge of my bankruptcy protection. 

Despite these clear notices, Shellpoint Mortgage Servicing willfully violated the automatic stay beginning on or about XX/XX/year>, by : Listing my home for sale and allowing an offer to be made on the property ; Sending or directing strangers to my home ; Allowing unknown individuals to text or contact my personal phone ; and Engaging in other threatening and harassing behavior intended to pressure or intimidate me. 



These actions were taken after Shellpoint had been served and fully informed of my active XXXX XXXX case, making this a willful and knowing violation of federal law under 11 U.S.C. 362 ( k ).

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 2025-10-27 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: SC

Complaint narrative:
The account was settled in full, but late payment notations remain.

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 2025-10-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: IL

Complaint narrative:
I am disputing a debt that Source Receivables Management is trying to collect on behalf of XXXX XXXX XXXX. 

I canceled my XXXX service because I discovered a serious security vulnerability in their system that made it unsafe to use. I informed XXXX by phone that I was terminating the service for this reason. Despite that, the company continued billing me and later sent the account to collections. 

I have video evidence demonstrating the security flaw in their system, which shows that the service failed to provide adequate protection as advertised. 

I do not believe I owe this debt, as the service was not delivered in a secure and reliable way, and I properly notified XXXX about the issue and my cancellation. 

I have not received any documentation proving that I owe this debt or any signed agreement confirming responsibility for this balance. I request that all collection activity stop until the debt is verified and this dispute is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: MI

Complaint narrative:
The account being reported is not mine and appears to be a reporting mistake.

Company response to consumer: Closed with explanation