vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TRANSUNION ( False Verification + Phantom Payment + Failure to Correct Across XXXX ) Subject : TransUnion False Verification of Deleted Tradeline, Phantom Payment Reporting, and Violations of 1681s-2 ( b ) Complaint : TransUnion is reporting a XX/XX/XXXX account even though XX/XX/XXXX deleted XXXX very same tradeline in XX/XX/XXXX. 
XXXX. Failure to Correct Across CRAs This violates FCRA because a furnisher must correct ALL CRAs simultaneously. 
XXXX. XXXX XXXX XXXX TransUnion reports a last payment on XX/XX/XXXX that I never made. 
XXXX. Re-Aged Delinquencies TransUnion continues to show delinquencies inconsistent with : Capital Ones previous waiving of late fees the deleted status of the account with other CRAs the accounts factual history I requested that TransUnion conduct a proper investigation under the Fair Credit Reporting Act, including the accuracy requirements in 15 U.S.C. 1681e ( b ), the reinvestigation duties under 15 U.S.C. 1681i, the furnisher investigation requirements triggered under 15 U.S.C. 1681s-2 ( b ), and the blocking of inaccurate information under 15 U.S.C. 1681c-2.

I specifically asked TransUnion to investigate and delete the following inaccurate, unverifiable, or fraudulent items : Incorrect address : XXXX XXXX XXXX XX/XX/XXXX XXXX TX XXXX removed from all other CRAs but TransUnion refuses to delete. 

XXXX XXXXXX/XX/XXXX: deleted byXX/XX/XXXX in XX/XX/XXXX, but TransUnion continues reporting inaccurate payment history and a false last payment date. 

Department of EducationXXXX XXXX deleted by XX/XX/XXXX, but TransUnion continues reporting it. 

XXXX XXXXXX/XX/XXXXXXXX ) : new and unidentified collection account that appears fraudulent. 

XXXX XXXXXX/XX/XXXX ) : unverifiable and previously disputed. 

XX/XX/XXXXccountsXX/XX/XXXX : unverifiable and repeatedly disputed with no documentation. 

Illegible documents uploaded by furnishers : TransUnion accepted unreadable documents as verification, which violates FCRA accuracy and reinvestigation requirements. 

Fraudulent/unauthorized hard inquiries : XX/XX/XXXXXX/XX/XXXX XXXX XXXX requested TransUnion delete all inaccurate XXXX unverifiable information, block fraudulent items, and provide documentation verifying any items they continue to report. TransUnion has failed to properly investigate or correct the reporting as required by the FCRA.

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 2025-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

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 2025-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The account was originally with XXXX prior to being transferred to XXXX. I was in a income based repayment plan that was never late. I signed that repayment plan in XXXX of 2024 with a {$0.00} a payment because I was not working and on unemployment. I was never late and they will not correct my credit reports with transunion, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 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: TX

Complaint narrative:
The account was originally with XXXX prior to being transferred to XXXX. I was in a income based repayment plan that was never late. I signed that repayment plan in XXXX of 2024 with a {$0.00} a payment because I was not working and on unemployment. I was never late and they will not correct my credit reports with XXXX XXXX and experian.

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 2025-11-16 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: TN

Complaint narrative:
I have a law firm dealing with my credit report but still my credit is not moving up I need my credit report clean to move please help me with my credit report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filing a new complaint to dispute the false 'explanation ' provided by Cash App in my previous complaint, # XXXX. Cash App 's claim that the {$3700.00} payment 'failed ' is a lie, and my new evidence proves my case is a textbook example of the violations detailed in CFPB XXXX XXXX. 

Cash App 's Lie : The payment " failed. '' The Truth ( My New Evidence ) : The {$3700.00} payment was sent and I received an email ( Subject : XXXX XXXX XXXX you {$3700.00} for XXXX XXXX ) which I have attached. This email proves the payment was 'pending acceptance ' ... 

Relying on this " pending '' status, I released my car to the buyer. 

Later, I went to " accept '' the payment. The instant I did, Cash App unilaterally reversed the entire {$3700.00}, claiming it was 'for my protection. ' This is a direct violation of the CFPB 's XXXX : Your order found that Cash App " misled users with claims of acting 'for their protection ' '' and " failed to properly investigate disputes. '' This is exactly what happened here. 

Their Records are Deceptive : To cover this up, their transaction log uses false timestamps to make the " send '' and " cancel '' look instant. This is a lie. 

The Resulting Harm : The buyer, attempting to make it right, sent me a separate {$2500.00}. This leaves an outstanding, direct, un-reimbursed loss of {$1200.00}. 

Because of Cash App 's illegal reversal, I lost my car and the funds to buy a new one. I was left with no car and forced to spend the {$2500.00} on Ubers and grocery delivery just to survive. My total harm from this incident is the full {$3700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am the victim of identity theft. Multiple accounts, inquiries, and negative items appearing on my credit reports were created without my knowledge or authorization. Someone used my personal identifying information to open credit accounts, generate inquiries, and create negative payment history that does not belong to me. 

I filed an FTC Identity Theft Report and submitted a formal identity theft affidavit under FCRA 605B. Despite properly notifying the credit reporting agencies and furnishers, my credit file still contains fraudulent accounts, unauthorized inquiries, and inaccurate personal information. These items continue to harm me financially and interfere with my ability to secure reliable transportation, maintain stable housing, and manage medical needs. 

The fraudulent items include : XXXX XXXX XXXX XXXX ( fraud ) XXXX XXXX XXXX account ( fraud ) XXXX  XXXX charged-off account ( fraud ) Any telecom self-reported accounts I did not authorize Multiple unauthorized hard inquiries Incorrect personal information including wrong names and wrong addresses The agencies have a legal obligation under FCRA 605B to block and delete this information within 4 business days once notified. They have not removed the fraudulent accounts as required. 

I did not open these accounts, I did not authorize these inquiries, and I did not approve the use of my personal information. I am requesting the CFPBs assistance in enforcing my rights under the FCRA.

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 2025-11-16 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: TX

Complaint narrative:
I am filing this complaint because my credit report contains inaccurate and/or unverifiable information and is negatively affecting my credit standing. I have disputed this information directly with the credit bureau ( s ), but the items remain on my report without proper investigation or correction. The inaccurate reporting is misleading, unfairly damaging my creditworthiness, and has caused difficulties with obtaining credit, housing, and financial opportunities. I believe this violates my rights under the Fair Credit Reporting Act ( FCRA ), which requires that only accurate, verifiable information be reported, and that disputes be investigated fairly and in a timely manner.

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 2025-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint because my credit report contains inaccurate and/or unverifiable information and is negatively affecting my credit standing. I have disputed this information directly with the credit bureau ( s ), but the items remain on my report without proper investigation or correction. The inaccurate reporting is misleading, unfairly damaging my creditworthiness, and has caused difficulties with obtaining credit, housing, and financial opportunities. I believe this violates my rights under the Fair Credit Reporting Act ( FCRA ), which requires that only accurate, verifiable information be reported, and that disputes be investigated fairly and in a timely manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: PENNYMAC LOAN SERVICES, LLC.
State: PA

Complaint narrative:
I applied for a loan modification in XXXX I completed the application right away! They said they got the completed application and will let me know if a decision within 30 days of the completed application three weeks later they said the application wasnt completed and that they needed the hardship page again which I have already sent the divorce and marked off that my mortgage went up, went up due to taxes and insurance sent the same information back to them. They said my application is complete two weeks later got a letter from them saying that after review that more information may be needed that they would let me know by XX/XX/XXXX but this is the same thing that they did when I completed the application the first time and when I spoke to someone from Penny Mac, they said I did have all the documents that the underwriter needs so Im not understanding why they keep saying my application is incomplete and asking for the hardship over and over again and they have my divorce paper, which is the reason for my loan modification and Im behind on payments about to go in four months at this point at this point I would like just the payments to be back put on the rares so start over with the loan with no change to my loan they are not very helpful

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: MD

Complaint narrative:
This is an additional supplemental complaint to CFPB XXXXXXXX XXXX XXXX 
Spring Oaks Capital SPV , LLC made materially false statements in their XX/XX/year> response to the CFPB. They claimed that they mailed a fraud affidavit and that they were continuing to work toward a resolution. As of XX/XX/year>, I have not received any fraud affidavit, despite checking my mail daily. Their statement to the CFPB was untrue. Please see attached screenshot and uploaded file. 

In addition, Spring Oaks Capital is still reporting this fraudulent XXXX XXXX  account as a negative item on all three of my credit reports as of XX/XX/year>, even though they have been notified multiple times that : The account resulted from identity theft I submitted a police report I submitted an FTC Identity Theft Affidavit They have failed to provide any original creditor validation, including a signed application, contract, or account usage records They have been asked repeatedly to cease reporting and provide proper verification Spring Oaks Capital continues to knowingly furnish inaccurate, unverified, and fraudulent information to the credit bureaus in violation of : FCRA 611 & 623 ( duty to investigate and duty to report accurate information ) FDCPA 809 ( b ) ( must cease collection until validation is provided ) Consumer identity theft protections under federal law CFPBs own furnishing guidelines The company has repeatedly submitted non-substantive responses to the CFPB that do not contain any lawful validation of the alleged debt. They only provide assignments/bill of sale, which do not prove I ever opened the account. They have not produced a single original document from XXXX XXXX. 

I am requesting the following : XXXX. That the CFPB reopen or treat this as a continuation of Case No. XXXX due to false statements made by the company. 


XXXX. That Spring Oaks Capital be required to : Provide complete validation directly from the original creditor OR Remove the account entirely from all credit bureaus. 



XXXX. That the CFPB review Spring Oaks Capital for continued FCRA, FDCPA, and identity-theft compliance violations, including furnishing knowingly inaccurate information. 



Their ongoing reporting is causing substantial harm to my creditworthiness, my business, and my financial stability. 

I am requesting immediate intervention.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 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: CA

Complaint narrative:
Please correct/update this inaccurate information on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: M. G. Credit, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/year> MG Credit XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX RE : Request for Validation of Debt Account Number : XXXX ( as shown on my credit report ) Original Creditor : XXXX XXXX XXXX To Whom It May Concern : I am sending this letter in response to a collection account appearing on my credit report. This is not a refusal to pay, but a notice that your claim is disputed. 

Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, I request that you provide proper validation of the alleged debt. Until the debt is validated, you must cease all collection activities, including reporting the debt to the credit bureaus. 

Please provide the following documentation : 1. Proof that I am legally obligated to pay this debt, including a copy of any contract, agreement, or signed document. 
2. A full accounting/ledger showing how the alleged balance of {$5300.00} was calculated. 
3. Proof that you have the legal right to collect, including chain of assignment from the original creditor ( XXXX XXXX XXXX ). 
4. Name and address of the original creditor, and documentation showing the debt was transferred or sold to MG Credit. 
5. Verification that this debt is within the statute of limitations for collection in my state. 

Until these items are provided, please consider this account to be in dispute. If you can not provide proper validation, you are required to remove this account from all credit bureau reports ( XXXX XXXX XXXX XXXX  ). 

Please send your response to the address listed above. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
i happen to check my credit report and notice some fradulent accounts on my credit report i would like for you to please remove from my credit report thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
Vehical value has significantly dropped its value and payments are difficult to manage during financial hardship increasing premium insurance rates in California have excessively increased since the lease started seeking to affordable to finance the vehicle to keep it to avoid the additional mileage penalty after lease ends.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Kikoff Inc.
State: OH

Complaint narrative:
Kik off XXXX XXXX is on my credit report. I never had an account with them. I contacted them to be told that my information matches an account its XXXX past due. If the account wasn't mine I had to reply to email asking to cancel. I dod and was told they will not remove information from credit report and if I pay the XXXX I can open a new account. I called them and was told that email os the only way to hand that issue. I never opened the account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
Affirm Inc. and XXXX  are reporting my charged-off account {$540.00} with false dates and re-aging the debt. The original charge-off occurred in XXXX. My XXXX  report previously showed the correct charge-off timeline, but after disputes, XXXX  is now reporting Charge off as of XX/XX/XXXX, Charge off as of XX/XX/XXXX, and now Charge off as of XX/XX/XXXX, along with monthly charge-off notations through XXXX and Balance updated XX/XX/XXXX. 

I have not made payments or had any activity since XXXX. This violates FCRA 623 ( a ) ( 5 ), which requires furnishers to report the true date of first delinquency and prohibits re-aging. XXXX  is also reporting ongoing past due statuses and balance updates despite the account being closed and charged off years ago. 

TransUnion and Equifax do NOT report these false dates only XXXX. I have disputed multiple times and provided documentation, but XXXX  continues to update the account with new, incorrect charge-off dates that extend the negative reporting period. 

I am requesting CFPB intervention to force Affirm and XXXX  to : XXXX. Correct the charge-off date to XXXX only, XXXX. Remove all charge-off or delinquent reporting past XXXX, XXXX. Remove ongoing balance updates, XXXX. Prevent continued illegal re-aging, XXXX. Ensure accurate reporting across all bureaus. 

I am attaching screenshots showing the incorrect and shifting charge-off dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation