vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-11 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: PA

Complaint narrative:
I am filing a complaint against my loan servicer, 1666B, for inaccurately reporting multiple late payments on my credit report.

I was repeatedly told by loan officers at 1666B that my accounts would be paused, placed in forbearance, or temporarily suspended. Based on their instructions, I believed no payments were due during these periods. However, they failed to process the pause correctly and never notified me by email, text, or phone that the loans had become delinquent.

As a result, I was unaware of any issues until I reviewed my credit report and saw the late payments listed. I have attempted to dispute these inaccuracies directly with the credit bureaus and with 1666B, but the late payments remain, despite the fact that they are the result of internal error and poor communication by the loan servicer.

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 2025-08-11 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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2025-08-11 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: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I am writing to you in regards to the debt collection activities being conducted by your company, regarding the alleged debt. This letter serves as a formal demand for you to immediately cease and desist all communication with me regarding this debt. I dispute the validity of the alleged debt. I insist that you refrain from any further communication with me, including but not limited to phone calls, letters, emails, or any other form of communication. Please take note of the following : 1. Cease and desist all communication with me regarding the alleged debt. 2. Do not contact me at my residence, workplace, or any other location. 3. Do not contact any of my family members, friends, or associates in relation to this debt. 4. Do not report this alleged debt to any credit reporting agencies. 5. Do not initiate any legal proceedings against me without providing proper documentation and proof of the debt 's validity. Failure to comply with this cease and desist demand will be considered a violation of the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws. I will not hesitate to take legal action to protect my rights and seek remedies available to me under the law. Please be aware that this letter is not an acknowledgment or admission of any liability for the alleged debt. It is solely a request for you to cease all communication until the debt 's validity is proven. I expect your immediate attention to this matter and a written confirmation that you have complied with my demands. Any further communication from you should be solely for the purpose of providing the requested documentation or notifying me that you have ceased all collection efforts. 
XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and fairness of credit reporting. Also, in Fisher v. Equifax Information Services LLC ( D. Ariz. 2018 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally escalate a critical and time sensitive matter involving two cleared checks totaling {$120000.00}, which are currently being held in my business account. The account was recently closed without explanation, and the funds have been frozen despite no fraud or investigation being initiated or any case number provided. 

Both checks cleared and posted to the account Account was closed shortly after, and funds were frozen No fraud case was opened, and no case number exists I provided alternate phone numbers for the issuer, which were rejected I was told a manager would call me back no one has followed up This situation is not only causing severe disruption to my business operations but is also a matter of urgency given the substantial amount of cleared funds involved. 

I am requesting the following immediate actions : 1. Issue a case number today 2. Assign a case manager to contact me directly 3. Provide a release of the cleared funds without further delay

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: EQUIFAX, INC.
State: GA

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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:
Subject : FCRA 605B 4-Day Block Request for Fraudulent Accounts I am submitting this letter under FCRA 605B to demand that you block and delete the following fraudulent accounts from my credit file within four ( 4 ) business days of receiving this notice and documentation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts are the result of identity theft. I did not open them, authorize them, or incur any related debts. 

Enclosed are the documents required by law to process my request : 1. Copy of my government-issued ID 2. Identity theft report Please confirm in writing when these accounts have been blocked and removed from my credit report and are no longer reported to any third parties. Failure to comply will result in immediate escalation to the FTC and CFPB for enforcement

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 2025-08-11 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: RI

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. 

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX XXXX XXXX XXXXXX/XX/XXXX - {$6700.00} XXXX XXXX - XX/XX/XXXX - {$10000.00} XXXX XXXX XXXX  - XX/XX/XXXX - {$3500.00} XXXX XXXX - XX/XX/XXXX - {$1400.00} Inquiries : XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-08-11 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: RI

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. 

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX XXXX XXXX XXXXXX/XX/XXXX - {$6700.00} XXXX XXXX - XX/XX/XXXX - {$10000.00} XXXX XXXX XXXX  - XX/XX/XXXX - {$3500.00} XXXX XXXX - XX/XX/XXXX - {$1400.00} Inquiries : XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-08-11 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: IL

Complaint narrative:
These entries were fraudulently opened and do not belong to me. Ive already provided the FTC Identity Theft Report and proper supporting documentation. Under FCRA Section 605B, these accounts must be blocked and deleted. The continued reporting of this fraudulent information is unlawful. Please act immediately to remove these items from my credit file. 
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 XXXXXX/XX/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 2025-08-11 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:
A false and unauthorized account has appeared on my credit report. I never applied for or authorized this account, and I have no relationship with the creditor. This inaccurate information is harming my credit history and must be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2025-08-11 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: FL

Complaint narrative:
CFPB Complaint Narrative Illegal Reinsertion of a Deleted Collection Account I am filing this complaint because Experian has illegally reinserted a collection account into my credit report without following the legal requirements under the Fair Credit Reporting Act ( FCRA ). 

The account in question is reported by XXXX XXXX, with XXXX as the original creditor and account number XXXX. This account was previously deleted from my Experian credit file as the result of a prior dispute. Despite its removal, Experian has reinserted the account without complying with the procedures mandated by law. 

Legal Violations : Violation of FCRA 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) Reinsertion Without Notification The FCRA clearly states that if a deleted item is reinserted, the credit bureau must : Obtain a written certification from the furnisher of the information that the item is complete and accurate. 

Notify the consumer in writing within 5 business days of the reinsertion. 
Experian failed to notify me and has not provided proof that such certification was obtained.

Violation of FCRA 15 U.S.C. 1681e ( b ) Failure to Maintain Reasonable Procedures to Assure Accuracy By allowing a previously deleted account to reappear without proper validation or confirmation, Experian is failing in its obligation to maintain accurate and up-to-date information.

Violation of FCRA 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to Conduct a Reasonable Reinvestigation The reinsertion of this account was done without a thorough and reasonable investigation, in violation of the FCRA.

Possible Violation of FDCPA 15 U.S.C. 1692e ( by the debt collector ) If XXXX XXXX altered the original Date of First Delinquency ( re-aging ) or submitted false information to justify the reinsertion, such conduct would constitute a deceptive and prohibited practice under the FDCPA.

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 2025-08-11 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:
A fraudulent account has been reported under my name. I did not open, authorize, or approve this account, and I have no affiliation with the creditor. This incorrect information is adversely affecting my credit profile and requires immediate removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: CA

Complaint narrative:
I am submitting this complaint to formally dispute inaccurate and misleading information reported on my credit file by several furnishers. Despite my attempts to resolve these issues directly with the credit reporting agencies, the disputed data remains uncorrected and continues to negatively impact my creditworthiness. 

First, the account associated with XXXX XXXXXXXX XXXX XXXXXXXX XXXX ending in XXXX ) reflects a late payment from XX/XX/XXXX. This was due to a temporary disruption and not financial hardship. The payment was resolved immediately, and I have maintained a consistent on-time payment history both before and after the incident. This late payment is inaccurately reported and should be removed. 

Second, the Macys/CBNA account ( ending in XXXX ) has never had a late payment. Any negative remarks associated with this account are false and must be corrected to reflect the accurate payment history. 

Third, the XXXX Bank XXXX account XXXX XXXX in XXXX ) experienced temporary late payments during a period of financial hardship in early XXXX. However, the account was paid in full by XX/XX/XXXX. The continued reporting of late payments is misleading and does not reflect the resolution of the account. I request that this be updated to show the account as paid and in good standing. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and fair reporting. I respectfully request the Consumer Financial Protection Bureau to initiate a reinvestigation into these accounts, ensure compliance with FCRA, and require the credit reporting agencies to correct the inaccuracies. I also request that an updated copy of my credit report be provided once the corrections are made. If these issues are not resolved, I am prepared to pursue further legal remedies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
They didnt remove the dispute when i asked them XXXX said it will stay up for XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Prepaid card — Payroll card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: FISERV FINXACT CORE
State: AZ

Complaint narrative:
This happens alot like 5 times a month.i would have my money network card linked to my XXXX XXXX  and I would try to add money from my bank to my XXXX XXXX, it would say bank denied funds, get ahold of your bank, so I would call my bank every time they would say your card is active and your card is good so then they say we can't help you cause your card is good but then why is it telling me to get ahold of my bank and they will help me and then they sorry we can't help u with this problem

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: OH

Complaint narrative:
I am the victim of identity theft and have an active fraud alert across all three CRAs. I previously disputed and had multiple fraudulent accounts deleted. These same accounts have now been reinserted without the required FCRA 611 ( a ) ( 5 ) ( B ) notice, in violation of federal law. In addition, the CRAs have allowed these reinserted accounts to be re-aged to show more recent delinquency dates, misstate the balance and debt status, and in some cases change the status from loss or charge-off to active derogatory as if the accounts are newly delinquent. When I called to question this, I was told by CRA staff that the system ( computer/AI ) handled my case, that no person reviewed my dispute, and that I had to wait for the system to finish. This means no reinvestigation or due diligence was performed, no identity theft block under FCRA 605B was enforced, and no documentary evidence from the original creditor was provided to support the reinsertion. These actions collectively violate multiple provisions of the FCRA, including 605, 605B, 611, and 623, and fail to comply with Metro 2 reporting standards.

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