vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-17 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: TN

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-10-17 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: MA

Complaint narrative:
My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX, I deposited a check I received from thXXXX XXXX XXXX XXXX Department of Social Services for a brokers fee. The bank has put a XXXX  day hold on a deposit I made of a XXXX XXXX department of social services check despite the funds clearing and the bank receiving the money. They provided no information as to why the hold for 60 days was necessary, they also failed to legitimately make any real efforts in clearing or verifying the check despite me providing them with information with the check issuer or the physical check. This has caused hardship for me and the bank refuses to escalate the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: SC

Complaint narrative:
[ XXXX XXXX ] XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, This letter is a response to your communication dated [ XXXX ], concerning an alleged debt. Please be advised that this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. 
Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g, I am requesting that you provide me with validation of this alleged debt. This is not a request for " verification '' of my mailing address. 
Please provide the following information and documentation : The amount of the debt, with an itemized breakdown including the original amount, interest, fees, and payments. 
The name and address of the original creditor. 
Documentation proving that I have a legal obligation to pay this debt. 
Documentation showing your legal authority to collect this debt. 
Verification that this debt is within the statute of limitations for my state. 
Until this debt is validated, all collection activities must cease. Failure to provide this information within 30 days of your receipt of this letter will be considered an admission that your claim is invalid. 
I would also like to remind you that if this account is reported to any credit reporting agency, it must be reported as disputed. 
Thank you for your cooperation. 
Sincerely, 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 2025-10-17 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Comenity capital bank/XXXX  visa card Disputes Department Comenity Bank XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/year> Subject : Formal Dispute of Unauthorized Charges XXXX  Visa Credit Card Ending in XXXX Dear XXXX XXXXComenity Bank Disputes Department , I am writing to formally dispute a number of unauthorized charges that were previously investigated and removed from my XXXX XXXX account but have reappeared on my balance without explanation. 

This situation is both unacceptable and concerning. These disputed transactions were already reported as unauthorized, and yet they were re-added to my account balance. Under the Visa Zero Fraud Liability Policy and the Fair Credit Billing Act ( FCBA ), I am not liable for unauthorized transactions made without my consent. 

I am requesting immediate reversal of all unauthorized charges that have reappeared, including any related interest, fees, or adjustments added because of these disputed transactions. 

Below are examples of the transactions that must be removed : i have attached a copy of the transactions in pdf format. 

Transactions dated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These charges had been previously disputed and should not have been re-applied to my account. 

Please review this matter urgently and : Remove the unauthorized charges from my balance. 

Credit back any interest or fees that resulted from their reinstatement.

Provide written confirmation that my dispute has been received and corrected in compliance with the FCBA. 

I have included screenshots and account summaries showing the disputed charges and account balance as of XX/XX/year>. 

Thank you for your immediate attention to this matter. I expect a written response within the time frame required by federal law. A copy has been sent for review to Consumer Financial Protection Bureau, FDIC regulator, Federal trade Commission FTC Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I paid my account in full to all my creditors on XX/XX/year> and XXXX creditor still not reporting to credit agency.

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 2025-10-17 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: MI

Complaint narrative:
I'm writing to communicate my XXXX  in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: PLANET HOME LENDING, LLC
State: FL

Complaint narrative:
I am a XXXX XXXX XXXX ( XXXX ) and homeowner with a VA-guaranteed mortgage. My loan servicer mishandled my loan modification and may have violated federal servicing standards under 12 CFR 1024.41 ( Regulation X ) and VA servicing requirements under 38 CFR 36.4319 and VA Servicer Handbook Chapter 5.

I submitted a complete loss-mitigation application and remained responsive throughout, yet the servicer took nearly one year to process it ( started XXXXXXXX, modification offer was XXXX ). During that time, interest and fees continued to accrue, and I was never offered interim forbearance. The resulting modification increased my interest rate and monthly payment, contrary to VA and CFPB affordability expectations. 

My gross monthly income is approximately {$4900.00}, and my new modified mortgage payment ( PITI ) is {$3000.00}, which equals about 60 % of my income. This exceeds the affordability thresholds ( typically 3541 % ) established in VA and federal servicing guidelines. 

Additionally, the servicer provided only XXXX days to accept the modification, which I believe is an unreasonably short response period under 12 CFR 1024.41 ( c ) ( 1 ) ( ii ), depriving me of adequate time to consult with counsel or request VA review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: VA

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 2025-10-17 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: VA

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 2025-10-17 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: GA

Complaint narrative:
I am a service agent for The XXXX XXXX XXXX XXXX. We assist with human trafficking victims that are victims and are recovering from what they been through. My attorney have been working with the credit bureaus of not complying and working with our service agency. Transunion have told victims, that we are not a service agency and they will not block or remove items that were opened in the victims name due to human trafficking. My attorney has served the company with blacklisting The XXXX XXXX XXXX XXXX and its agents. We are asking that the company remove the agency from any red flagged list. A transunion representative told XXXX XXXX XXXX XXXX XXXX that the CFPB told them to flag our service organization and that we are listed on the CFPB website for submitting fraudulent documents which is not true. We are a reputable service organization. This damaging to XXXX XXXX XXXX XXXX XXXX. This is affecting the organization and our creditability.

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 2025-10-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I maintain that the false late payment entries on my accounts are in direct violation of 15 USC 1666. My payment history has been consistently timely, making these reporting errors both improper and unlawful.

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 2025-10-17 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 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 explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: TN

Complaint narrative:
I had a car reposed during covid and had it removed from my credit, 2 years later it shows back up on my credit with XXXX XXXX threatening me saying they are going to sue me for remaining balance. I have since went to court with a broken foot, and their lawyer gave a me a year to start paying it back, since XXXX cant work with a broken foot. I have received XXXX letters from even after the judge ruled on giving me a year before I even have to start paying. In the latest letter I just got, They have told me I'm in default even though its only been 3 months since I had court. At this point I feel like its just a giant scam with this company, they don't care what the judge has ordered, they just want their money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: NM

Complaint narrative:
My XXXX son ( XXXX : XX/XX/year> ) had a Cash App account that included an investments/stocks balance. When creating his account, I accidentally entered his correct month and day but inadvertently used my older sons birth year, which made it appear that my younger son turned XXXX this XXXX. 

Because of that error, Cash App requested age verification that he can not complete. As a result, his account was deactivated, freezing thousands of dollars in investment funds. 

I have contacted Cash App support multiple times spending over XXXX hours on the phone and sending several follow-up emails. No one from the Investments and Stocks team has responded for over a week. Each time, I receive the same automated message : The Investing team will reach out. They never do. 
This has resulted in the withholding of funds belonging to a minor, with no way to recover the assets or contact the investing division for assistance. 

I am requesting immediate regulatory assistance to compel Cash App to either : Release the funds and investment assets to me as the verified parent/guardian, or Provide a verified representative from the Investing team to facilitate correction of the date-of-birth error and restoration of access. 

Cash Apps failure to provide access or support is unacceptable and may constitute unlawful retention of consumer funds belonging to a minor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally requesting the removal of this incorrect account from my credit report, as I did not authorize its creation or use. Attached are the supporting documents to substantiate my claim.

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 2025-10-17 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: MI

Complaint narrative:
I'm writing to communicate my XXXX  in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

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 2025-10-17 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: TX

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2025-10-17 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: TN

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