vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-29 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: NY

Complaint narrative:
I'm currently receiving collection calls for an account that doesn't belong to me. After reviewing my credit, I've discovered multiple fraudulent accounts opened in my name.

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 2025-12-29 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: FL

Complaint narrative:
The reported entries are inaccurate and do not reflect my true payment history. I have made several attempts to have these discrepancies reviewed and corrected, but no substantial action has been taken. Even after submitting all required documentation and following up multiple times, the errors remain unresolved. This situation has created financial hardship and has significantly impacted my well-being. Addressing these inaccuracies has become a stressful and exhausting process. 
According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that truthfully represents my financial history, including the prompt correction of any outdated or incorrect information. I respectfully request immediate action to correct or remove these late payment entries. Failure to do so would constitute a violation of my rights under federal law. 
Thank you for your prompt attention to this matter. I expect a swift and appropriate resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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: OH

Complaint narrative:
There should be no hard inquiries on any of my credit reports. I have disputed them with Equifax and the dispute are not going anywhere. I need to have all hard inquiries removed

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 2025-12-29 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: OH

Complaint narrative:
There should be no hard inquiries on any of my credit reports. I have disputed them with Equifax and the dispute are not going anywhere. I need to have all hard inquiries removed

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 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


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 2025-12-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I called to set up payments a month ago there was 2 payments. I called to follow up about the final payment and the rep told me the payment was not pulled and we will need to process payment again. The payment was ran and then 2 days later BOTH payments of XXXX were pulled. There was a extra {$240.00} taken I now have {$20.00} in my bank account because the money was suppose to go toward my bills and that refund has to be back in my account before Wednesday or I will have a late payment and it will effect my on time payment. The representatives are making mistakes that will cost me and Im livid I did what I was suppose to do the money was available in the account the last payment was pulled on a Saturday with no issues so Im confused why this payment did clear on time I get paid on fridays and purposely set up the payment the day after pay day to ensure funds are available. Car note due every XXXX of the month and now I to get through the week with XXXX dollars because chase bank representatives are inconsiderate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: DC

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

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. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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.

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 2025-12-29 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: LA

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. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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.

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 2025-12-29 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: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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: MO

Complaint narrative:
I am filing this complaint because Equifax is reporting inaccurate or unverifiable information on my credit report. I have attempted to resolve these issues directly with Equifax, but they remain unresolved. 

1. Previous Address I am disputing an outdated or incorrect address being reported under my personal information. Please remove or update any inaccurate previous address listings that are not associated with my current verified residence. 

2. Charged Off Accounts The following accounts are reported inaccurately or can not be verified : XXXX XXXX XXXX, Acct # XXXX, Date : XX/XX/XXXX, Amount : {$210.00} XXXX XXXX XXXX, Acct # XXXX, Date : XX/XX/XXXX, Amount : {$2000.00} XXXX XXXX XXXX, Acct # XXXX, Date : XX/XX/XXXX, Amount : {$1000.00} XXXX XXXX XXXX Case # XXXX, Date : XX/XX/XXXX, Amount : {$0.00} These accounts either do not belong to me, are outdated, or are reporting inaccurate information. Please investigate and remove or correct these accounts as appropriate. 

3. Late Payment Reporting I am disputing late payment notations on the following accounts as they are inaccurate or unverifiable : XXXX XXXX, Acct # XXXX XXXX  XXXX, Acct # XXXX XXXX  XXXX, Acct # XXXXXXXX XXXX XXXX, Acct # XXXX Please conduct a full investigation and remove any incorrect late payment entries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: NY

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit 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 non-monetary relief
Consumer complaint received 2025-12-29 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: TN

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: IN

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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: OH

Complaint narrative:
There should be no hard inquiries on any of my credit reports. I have disputed them with Equifax and the dispute are not going anywhere. I need to have all hard inquiries removed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I am writing to you today again regarding an old referenced account XXXX/COMENITY/XXXX. I have requested the assignment contract/contract with my signature. One has not been supplied to me. Even if the account was sold off an assignment contract should be provided to me since you say you are the original creditors or please delete the account from my credit report from all 3 credit reporting agencies as this is falsifying information on my credit report. All I keep getting is a generated response back. This is not an adequate loan agreement contract with my signature and date that shows I owe an amount. I need a legitimate contract showing I signed this. If not please delete from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: INDEPENDENCE HOME LOANS LLC
State: MN

Complaint narrative:
Loan # XXXX XXXXXXXX I was contacted by XXXX XXXX of Independence Home Loans to do a ReFi on my home. I gave him all required documents and new property appraisal. He said loan will be complete by the end of XX/XX/XXXX. He said not to make XXXX and XXXX house payments. That he would contact XXXX XXXX. So I used the funds to pay off a private debt. By the end of XXXX he said it would be done the first week of XXXX. On XX/XX/XXXX he called to say he made a mistake and could not finish the ReFi until XXXX XXXX. Because I had just did my first one last XXXX. and that I was responseable for the XXXX and XXXX house payments. With that he hung up and has not spoken to me to this day. I sent many emails and calls begging for help. He also never contacted XXXX my mortgage company. I had no way of coming up with the XXXX needed. I called and talked to his boss who said I should of known to put the money aside and that it was my fault for following his advice and I was XXXX. I recieved a late payment mark on my credit it went from high XXXX to XXXX. I was told my home could be put up for short sale. I still can't get a loan to buy a can of pop. From XXXX  through today my XXXX  have been a nightmare. all completelt destroyed from his mistake. It has been very XXXX  to say the least and to tell my children and grandchildren there will be no XXXX has really put even my XXXX  in danger and i am not out of the woods yet as of today. Not a good way to start a XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: M&T BANK CORPORATION
State: TX

Complaint narrative:
I have had trouble in the past with mortgage payments. I was recently submitted and approved for a loss mitigation option. While I have been paying my mortgage outside of the due date, it has not gone past the 30 days. Each time I make contact with this company I receive horrible service. The representatives are condescending, they treat you horribly and have no empathy for ones situation. There has never been a positive experience and working with this company has become overwhelming. I refuse to call or answer call due to the abusive nature in which they communicate. Most recently I requested an escrow analysis after noticing a surplus in my account. They refused. The trouble with dealing with this servicer is not worth the grief.

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 2025-12-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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 2025-12-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: PA

Complaint narrative:
I have no idea who Jefferson capital is I never opened any debt with the named company Jefferson capital llc for XXXX but I recieved a letter f this info and amount over a year ago

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am filing a complaint regarding a missing ACH transfer that Capital One has failed to locate or resolve. 
In XX/XX/year>, I initiated two withdrawals from my XXXX account to my Capital One account. XXXX transfer for approximately {$35.00} posted successfully. The second transfer for {$100.00} never appeared in my Capital One account. 
XXXX has confirmed that the {$100.00} transfer was successfully sent and provided me with a 15-digit ACH trace number, which I shared with Capital One. Despite this, Capital One has stated that they can not locate the funds. 
I opened a dispute with Capital One regarding this missing deposit. That dispute was closed without notification or explanation, and the funds were never credited to my account. I was not informed that the dispute had been closed until I followed up myself. 
I have since contacted Capital One multiple times, provided documentation, and requested that a proper ACH trace be conducted. As of today, the issue remains unresolved and the funds are still missing. 
This situation has caused unnecessary stress and financial loss, including lost interest that would have accrued had the funds been available in my account. 
I am requesting that Capital One : Conduct a full ACH trace using the provided trace number Credit my account for the missing {$100.00} if the funds can not be located Provide written documentation explaining how the original dispute was handled and why it was closed without notice I am requesting prompt resolution of this issue.

Company response to consumer: Closed with explanation