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

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXX XXXXXXXX XXXX XXXX XXXXXXXX AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court XXXX XXXXXXXX XXXX XXXX XXXXXXXX that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$210.00} XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$12000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: SC

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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: CA

Complaint narrative:
Experian is presently reporting a charge-off account from XXXX XXXX XXXXXXXX XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX with a date of XX/XX/year> and a reported balance of {$2300.00}. This entry is inaccurate, misleading, and damaging to my credit history. It is either being reported in error, has been allowed to remain beyond the permissible reporting period, fails to reflect the true and current status of the account, or has never been substantiated by verifiable documentation from the original creditor. A charge-off is a serious derogatory classification that significantly harms a consumers ability to obtain credit, and when it is reported without concrete, original proof, it violates my rights under the Fair Credit Reporting Act ( FCRA ).

Pursuant to 15 U.S.C. 1681e ( b ), Experian is obligated to maintain maximum possible accuracy in the information it furnishes to creditors and other entities. Continuing to report a charge-off without ensuring its full accuracy, and without providing the consumer with complete original documentation during a dispute, falls short of this statutory requirement. When I previously disputed this account, Experian failed to provide any signed credit agreement, detailed payment records, or original creditor-issued charge-off statement verifying the accuracy of the account. Instead, it relied on automated verification processes through third-party data vendors, which do not meet the FCRAs standard for a reasonable reinvestigation under 15 U.S.C. 1681i ( a ).

The law requires that any reinvestigation be substantive and based on documentary proof from the source of the informationnot on electronic matches from unreliable or outdated databases. If Experian can not produce a complete and certified record directly from XXXXXXXX XXXX that confirms every detail of this accountincluding the original delinquency date, the validity of the reported balance, and the legal basis for the charge-offthen it has no legal grounds to continue reporting it. By continuing to list an unverified charge-off, Experian is not only failing in its duties under federal law, but it is actively harming my creditworthiness and financial opportunities. 

The presence of this unsubstantiated derogatory account has caused me measurable financial injury, including higher borrowing costs, credit denials, and the erosion of my reputation with lenders. It is a severe injustice to maintain such damaging information without full verification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Wallet was stolen in XXXX XXXX nv I had noticed that there was some cards on my credit that I did not authorize I contacted the card company because I was trying to refinance my house I had to pay off the debt so I could move forward Im asking that the account be removed from my credit because they are paid and satisfied

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

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: NY

Complaint narrative:
I am disputing the reporting of an account listed as XXXX XXXX XXXX on my Equifax and XXXX  credit reports. This account is being reported as Derogatory / Collection/Charge-off with a balance of approximately {$49000.00} and past-due amounts, despite the fact that I never authorized this account to be reported or made public. 

On [ date of previous dispute ], I submitted a formal dispute to Equifax. Their written response stated, THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. However, in the same updated credit file, Equifax continues to list the account with a charge-off status and a past-due balance. This is a direct contradiction and proof that the information is inaccurate and unverifiable.

Equifax and XXXX have failed to conduct a reasonable reinvestigation as required by FCRA 611 ( a ). They have not provided any documentary evidencesuch as a signed contract, loan application, or permissible purpose certification under FCRA 604to support the continued reporting of this account. Simply forwarding my dispute to the furnisher and accepting their verified response without actual validation does not meet the statutory requirement for a reasonable investigation.

This continued reporting is causing harm to my creditworthiness and violates my rights under FCRA 604, 607 ( b ), and 611 ( a ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: PA

Complaint narrative:
Subject : Formal Complaint Against MOHELA for Mishandled Student Loan Payments and Credit Reporting Errors Dear CFPB, I am submitting this complaint regarding the Missouri Higher Education Loan Authority ( MOHELA ) for their mishandling of multiple student loan payments I submitted in good faith. These errors have resulted in an unjust loan default status and significant damage to my credit score. 

Over the past XXXX years, I have attemptedunsuccessfullyto work directly with MOHELA and the U.S. Department of Education to correct this situation. I have clear proof that several payments were made and funds were withdrawn from my bank account, yet MOHELA failed to apply these payments to my loan balance. I believe this constitutes gross negligence in their role as a federal student loan servicer. 

Example of a Lost Payment Currently in Dispute : - Payment Date : XX/XX/year> - Amount : {$500.00} - Status : Funds withdrawn from my bank account, not reflected by MOHELA - Time Elapsed : Over 580 days without resolution Despite numerous phone calls and written attempts to resolve the matter, including a letter to the Federal Student Aid Ombudsman Group ( which was returned undeliverable ), MOHELA has failed to locate or credit the payment. Furthermore, they have allowed my account to be reported as in default, resulting in a drop of over XXXX points to my XXXX  credit score. This reporting is both incorrect and damaging. 

I am aware that similar systemic issues have led to legal action and widespread complaints regarding MOHELAs servicing practices. My case appears to be one of many. 

Actions Requested : 1. That CFPB open a formal investigation into MOHELAs mishandling of my payments and servicing errors.

2. That MOHELA be required to locate and credit the missing payments to my loan account.

3. That MOHELA be compelled to correct any related credit reporting errors and notify all relevant credit bureaus.

4. That I receive written documentation confirming resolution and my corrected loan status.

Enclosures : - Bank statement showing the withdrawn payment - A timeline of communication attempts with MOHELA and the Department of Education - Credit report excerpt reflecting the reported default This situation has caused unwarranted financial harm and significant stress. I am requesting CFPBs assistance in enforcing accountability and resolving this issue promptly and fairly.

Thank you for your attention and action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: MS

Complaint narrative:
When I opened my account with Discover Bank I was approved for a credit card in which I was never late and paid it off {$3000.00} limit. I had a XXXX balance for some months. They increased my limit above {$4000.00}. I began using it but continued paying it without any 30 days late. I called because after months of paying it but not using it I found Discover had closed my account. I called and Discover response was they sent a consent request to pull my tax records in which I didn't see in an email they said they sent plus said they called me and left a message in which I never received. I feel I am being targeted and discriminated against. They are refusing to reopen my account but want me to continue to pay the card off in which I have being doing without any missed or 30 days late. This request shouldn't have been made especially when I never missed a payment. I know a lot of people with Discover card who never was scrutinized especially when it was being paid. This is an unfair and unethical procedure Discover Bank is doing to Minority people.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: NM

Complaint narrative:
US Bank Rewards card offer XXXX percent in rewards, XXXX point per dollar spent. US bank phone # XXXX. 
They had a minimum of XXXX points to be able to redeem for a {$25.00} credit when I started using this card. 
On XXXX I have XXXX points available and tried to redeem for a statement credit which should be XXXX points for a {$25.00} statement credit. I tried but they want to charge me XXXX point to get a {$25.00} statement credit. But if I want to redeem for a cash back redemption into their bank they would only take XXXX points for {$25.00}. 
I asked why I won't get the XXXX percent per dollar spent and all they would say is they raised how many points needed to redeem for {$25.00} which is less that the XXXX percent the card advertises. 
Nowhere on the rewards site does it say anything about not getting XXXX percent if you want a statement credit. 
I did talk to a supervisor and filed a complaint with the company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Block, Inc.
State: MO

Complaint narrative:
Hello I think I experienced a technical glitch on cash app that caused my money to be sent to the wrong person. the original funds were meant to go to a co-worker someone who is already in my contacts and who I send money to often. Today at XXXXXXXX XXXX an cash app oXXXX XXXX XXXX was sent to the wrong person. I double checked before sending it, but something glitched within the App sending the XXXX XXXX  to a random cash app usher who is not in my contacts and not someone I know. I reported to cash app the mistake and requested a refund from the person. I then called cash app support XXXX times. the first person told me there was nothing I could do, I called back and asked if it was okay if I could call the person who has the money, I then begin to beg the caller for information on what to do next regarding the XXXXXXXX XXXX that was accident sent. I asked if there was a way to cancel the transaction and the caller hung up on me. I called again for a third time desperate for answers and help. and was met with the same outcome. there was nothing else I could do. I understand it was only XXXXXXXX XXXX but as if now I believe my job is on the line for not being able to pay them the XXXX XXXX this is strange to me because I have never had this issue on cash app and I tend to double check before I send money to anyone. this was a random glitch. I am requesting a full refund or correction of the payment to the right person as this was a platform error. Please escalate this to a supervisor or technical support team. I have documentation of this and am prepared to file a complaint with the Consumer Financial Protection Bureau if needed. 
Thank you XXXX XXXX ( XXXX XXXX $ XXXX ) ( Date of Transaction and amount - XX/XX/year>, {$30.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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:
Experian and Equifax has failed to fulfill its legal obligation under the XXXX XXXX XXXX XXXX ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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: PR

Complaint narrative:
According to the Fair Credit Reporting Act, account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights This account is listed with late payments. Please provide me with a copy of the contract signed or voice conversation where I authorized billing me on this account. If not you must remove this from my credit according to the Fair Credit Reporting Act. According to the Fair Credit Reporting Act, account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights This account is listed with late payments. Please provide me with a copy of the contract signed or voice conversation where I authorized billing me on this account. If not you must remove this from my credit according to the Fair Credit Reporting Act. According to the Fair Credit Reporting Act, account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights This account is listed with late payments. Please provide me with a copy of the contract signed or voice conversation where I authorized billing me on this account. If not you must remove this from my credit according to the Fair Credit Reporting Act. Title 15 of the United States Code, Section 602 A, states that I have the right to privacy Title 15 of the United States Code, Section 604 A, Section 2 : Also states that the credit reporting agency may not provide an account without my written instructions

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