vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This is really overwhelming & stressful & overly effecting my anxiety, by these inaccurate reports & causing a lot of damage towards my well being of trying to provide. A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which requires the reporting of 100 % accurate information. Ive suffered harm due to these violations and am entitled to resolution in the form of deletions. The accounts in my attached letter are not accurate, and I demand their immediate 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 2025-09-03 00:00:00
Product: Debt collection — I do not know
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 understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am formally disputing multiple unauthorized inquiries on my TransUnion credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ), TransUnion is legally required to investigate disputed inquiries directly, without requiring documentation from the consumer or the creditor.

During my attempts to dispute these inquiries via live chat, the representative repeatedly insisted that I must obtain letters from the creditors before they would initiate a dispute, citing their internal process. This insistence contradicts federal law, as the FCRA does not require consumers to provide letters from creditors to dispute inaccurate or unauthorized inquiries. By doing so, TransUnion is refusing to fulfill its legal obligation to investigate disputed 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 2025-09-03 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: FL

Complaint narrative:
Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), I am writing to dispute the following collection account that appears on my recent credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize this account and do not recognize the mentioned debt. I request that you investigate this account and remove it from my credit report as soon as possible. 

In accordance with the FDCPA, specifically Section 809 ( 15 U.S.C. 1692g ), I request validation of this debt. Please provide me with verifiable proof that this debt belongs to me. 

I appreciate your prompt attention to this matter and look forward to your response in accordance with the FCRA and 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 non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: MUTUAL OF OMAHA MORTGAGE, LLC
State: NC

Complaint narrative:
Mutual of Omaha Mortgage Inc. sent me a notice in XXXX stating that our mortgage would be transferred on XX/XX/XXXX to XXXX XXXX, provided a new Servicer, and directions to send payment to the new address ( starting XX/XX/XXXX ). As instructed, we sent payment ( XXXX XXXX check, with the new loan number on the check ) to the new address. I noticed the check had not cleared in XXXX and contacted XXXX XXXX. I spoke to XXXX at XXXX XXXX XXXX who could not locate my info from my SS number, old loan number or new loan number. We then said the transfer must be delayed and the loan was in RESPA. He could not locate the check I sent because he had not received any loan info yet. He assured me I would not be charged a late fee. I then contacted Mutual of Omaha Mortage Inc. This is where my complaint comes in. Mutual of Omaha Inc. told me the transfer was being delayed and the new effective date would be XX/XX/XXXX. I explained that I had not received notice that the transfer had been delayed, nor has I received an XXXX mortgage statement. I explained that I sent payment to the new loan servicer as instructed by the only letter of transfer I received. I was then instructed that I needed to contact XXXX XXXX and have them send the check to Mutual of Omaha. This is not possible since they don't have my loan info to link my payment to the loan. Since then, I have received a delinquency notice from Mutual of Omaha Inc, a late fee for my XXXX mortgage payment and XXXX XXXX still does not have my loan, so I couldn't even make payment if I wanted to. Now I just received the delay of transfer notice from Mutual of Omaha Inc ( dated XX/XX/XXXX ). Not much help since I already made payment weeks ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am writing to file a formal complaint regarding multiple inaccuracies in my personal identification data reported by the XXXX XXXX XXXX XXXX. These errors are causing significant harm to my credit profile and personal integrity. As protected under the Fair Credit Reporting Act ( FCRA ), I request your urgent intervention. Upon reviewing my three-bureau credit report, I found that various elements of my personal information are reported inaccurately or inconsistently across the bureaus, violating the Metro 2 reporting format and FCRA Section 602 ( A ), which mandates maximum possible accuracy. These discrepancies include, but are not limited to : Misreported names or name variations Errors in my date of birth or Social Security number Incorrect or outdated addresses not associated with me Personal information possibly linked to someone else entirely.

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 2025-09-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Someone was using my identity. Stole my wallet with all my information in it and took advantage of my credit cards

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Please delete the following accounts : 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 has violated my rights. 

I looked at my credit bureau credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I kindly request that you block this information from my credit report within four business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: OH

Complaint narrative:
Hi. I sent money from a wallet that I have sent money from multiple times to and from Robinhood XXXX. I sent over XXXXXXXX XXXX tonight and it transferred fine out of my Robinhood account to the same address I later sent money back to Robinhood. I ended up transferring back over XXXXXXXX XXXX and my Robinhood account suddenly bans me and says I have no access to the crypto. This is completely absurd I desperately need that money and Ive sent and withdrawed from the same address MULTIPLE TIMES and now they wan na lock it when I sent the most money I ever have to Robinhood.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: Chime Financial Inc
State: NC

Complaint narrative:
The issue is with Chime bank ( XXXX ) Last year XXXX of XXXX, I had a few charges all unauthorized from XXXXXXXX XXXX, XXXX and XXXX. The company sent a few text messages asking if the charges were mine, I answered no. I call the bank and spoke with the manager, they started a dispute and with the evidence I provided. They sent an email, not refunding my money at all. They are still doing the same thing. They breaching contracts and they owe me money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-03 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: FL

Complaint narrative:
I am submitting this dispute regarding the reporting of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account, listed as late closed with a balance of {$0.00}, along with several inquiries appearing on my credit report. I have reviewed my file carefully and determined that these items are inaccurate and can not be verified. 
The reporting of the XXXX XXXX XXXXXXXX account violates FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], which requires that information in a consumer report be accurate and complete, and FCRA 623 ( a ) ( 2 ) [ 15 U.S.C. 1681s-2 ( a ) ( 2 ) ], which governs the responsibilities of furnishers of information to ensure accuracy. This account should be removed from my credit report immediately. 
Additionally, the following inquiries are included in this dispute as they were either unauthorized or improperly reported : 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 XXXXXX/XX/XXXX The reporting of these inquiries violates FCRA 604 ( a ) [ 15 U.S.C. 1681b ( a ) ], which restricts permissible purposes for obtaining consumer information, and FCRA 619 [ 15 U.S.C. 1681q ], which addresses fraudulent information. These inquiries must be fully investigated and removed from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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: FL

Complaint narrative:
I am submitting this dispute regarding the reporting of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account, listed as late closed with a balance of {$0.00}, along with several inquiries appearing on my credit report. I have reviewed my file carefully and determined that these items are inaccurate and can not be verified. 
The reporting of the XXXX XXXX XXXXXXXX account violates FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], which requires that information in a consumer report be accurate and complete, and FCRA 623 ( a ) ( 2 ) [ 15 U.S.C. 1681s-2 ( a ) ( 2 ) ], which governs the responsibilities of furnishers of information to ensure accuracy. This account should be removed from my credit report immediately. 
Additionally, the following inquiries are included in this dispute as they were either unauthorized or improperly reported : 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 XXXXXX/XX/XXXX The reporting of these inquiries violates FCRA 604 ( a ) [ 15 U.S.C. 1681b ( a ) ], which restricts permissible purposes for obtaining consumer information, and FCRA 619 [ 15 U.S.C. 1681q ], which addresses fraudulent information. These inquiries must be fully investigated and removed from my credit report

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 2025-09-03 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: LA

Complaint narrative:
This is a follow-up complaint with new evidence regarding the XXXX XXXX Bank account ( Acct # XXXX ) that TransUnion previously marked as verified. 

I disputed this account with TransUnion on multiple occasions ( XX/XX/XXXX and XX/XX/XXXX ). Each time, TransUnion responded by marking the account verified without providing documentation or the required XXXXethod of Verification ( MOV ) under FCRA 611 ( a ) ( 7 ). 

New Evidence ( XX/XX/XXXX credit report ) : TransUnion continues reporting this account as a {$1100.00} charge-off and past due. 

Account history shows charge-off status reported continuously since XX/XX/XXXX. 

The last payment was XX/XX/XXXX, but the tradeline is still scheduled to remain until XX/XX/XXXX, suggesting improper re-aging. 

XXXX XXXX Experian also report this account, but with contradictions and discrepancies. 

Violations : FCRA XXXX ( a ) ( XXXX ) : TransUnion failed to provide the Method of Verification ( furnishers name, address, phone, verification method, and documents relied upon ).

FCRA 611 ( a ) ( 5 ) ( A ) : Unverifiable information must be deleted.

FCRA 607 ( b ) : Maximum possible accuracy not met ; reporting remains contradictory and misleading. 

FCRA XXXX ( b ) : The furnisher ( XXXX XXXX XXXX  ) failed to conduct a reasonable investigation. 

FCRA XXXX ( a ) : Improper re-aging ; account scheduled until XX/XX/XXXX exceeds the XXXX reporting window from XXXX. 

Louisiana XXXX XXXX XXXX. XXXX : Credit card/open accounts prescribe in 3 years ; last payment XX/XX/XXXX account prescribed after XX/XX/XXXX. 

Harm : TransUnions failure to correct or delete this tradeline has suppressed my XXXX XXXX and harmed my ability to obtain credit and housing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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: TX

Complaint narrative:
Ive sent several letters to Equifax, Experian, and TransUnion about mistakes on my credit report, but they still havent been fixed. Ive attached the letters I sent to each bureau, along with a table showing the errors on all three reports. Id appreciate your help in getting this taken care of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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: TX

Complaint narrative:
Ive sent several letters to Equifax, Experian, and TransUnion about mistakes on my credit report, but they still havent been fixed. Ive attached the letters I sent to each bureau, along with a table showing the errors on all three reports. Id appreciate your help in getting this taken care of.

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 2025-09-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: CO

Complaint narrative:
On XX/XX/year> Recoveri texted me about a medical debt of {$150.00} that was not mine. I verified I had no account with them using their portal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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: FL

Complaint narrative:
I am writing to file a complaint against the Credit Bureau because I feel they are not handling my credit report fairly or in accordance with federal law.

Heres what has been happening : XXXX. Deleted Account Keeps Coming Back A XXXX XXXX  account ( Acct. ending in XXXX ) was previously deleted from my credit report after I disputed it. However, the bureau keeps putting this account back on my report without notifying me. 
From my understanding, they are supposed to notify me in writing within a few days if something is reinserted. I never received proper notice, and the same issue keeps repeating itself. 
XXXX. Other Errors Still Not Fixed In addition to the XXXX account, at least XXXX other pieces of information on my report are still wrong. 
Ive disputed these items multiple times and even provided documentation, but the bureau continues to report the exact inaccurate details. 
XXXX. Lack of Proper Explanation When I ask for verification of how these items are being confirmed, I do not receive a clear answer. I believe I have a right to know how they are verifying these accounts, but the bureau hasnt provided that information. 

What I Am Asking For : XXXX XXXX XXXX  account will be permanently removed and not reinserted unless the bureau follows the proper legal process. 
The XXXX inaccurate items in my file must be corrected or deleted. 
A fair and complete investigation to have a credit report that reflects accurate information. 

Ive attached a recent dispute result letter ( XX/XX/year> ) showing the account was deleted, but the issue keeps happening. 

Thank you for your time and for reviewing this matter. I appreciate your help in ensuring the credit bureau follows the law and protects consumers like me.

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 2025-09-03 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: MO

Complaint narrative:
I am writing to file a formal complaint regarding multiple inaccuracies in my personal identification data reported by the XXXX XXXX XXXX XXXX. These errors are causing significant harm to my credit profile and personal integrity. As protected under the Fair Credit Reporting Act ( FCRA ), I request your urgent intervention. Upon reviewing my three-bureau credit report, I found that various elements of my personal information are reported inaccurately or inconsistently across the bureaus, violating the Metro 2 reporting format and FCRA Section 602 ( A ), which mandates maximum possible accuracy. These discrepancies include, but are not limited to : Misreported names or name variations Errors in my date of birth or Social Security number Incorrect or outdated addresses not associated with me Personal information possibly linked to someone else entirely.

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