vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
XXXX XXXX : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This XXXX include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This XXXX include emails, letters, or notes documenting your interactions with the creditor. 
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This XXXX include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). ''

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 2025-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
My account had been open and in good standing for 3 years.I had a business account and a personal account because I'll i'm an XXXX and my legitimate business. 
Allows me to take payments from people all over at any time of the night or day through the internet in person or special order Venmo closed my account with zero.Information refused to provide me with any information other than XXXX prompted it i have tried vigorously to obtain any information. There were multiple fraudulent transactions on my account in the days leading up to then closing my account which I've been unable to dispute. And they've been genuinely unhelpful, uncooperative. 
And Very very unpleasant

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: DE

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

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 2025-12-23 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: DE

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: OK

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Debt or credit management — Student loan debt relief
Issue: Confusing or misleading advertising or marketing — 
Company: Servicer under contract with Federal Student Aid
State: NJ

Complaint narrative:
I am filing a complaint regarding XXXX XXXX, a student loan document assistance company that charged me a {$990.00} setup fee and attempted to charge ongoing monthly fees of {$79.00}. 

During the sales call, I was explicitly told by the representative that my student loan payment would be reduced from {$120.00} per month to {$79.00} per month after they consolidated my loans. I understood this to mean that {$79.00} would be my new federal student loan payment. 

I later discovered that the {$79.00} was not a student loan payment and did not go toward my loans at all. It was only a service fee charged by XXXX XXXX in addition to my actual federal student loan payment, which remained separate and unchanged. This critical distinction was not clearly disclosed to me before payment was taken. 

I would not have authorized payment had I known the {$79.00} was only a service fee and not my loan payment. My consent was obtained based on misleading and deceptive representations regarding pricing and payment reduction. 

I sent XXXX XXXX a written demand for cancellation and a refund. The company has not responded. 

I am requesting CFPB assistance in reviewing this companys sales practices and helping resolve this matter through a refund due to misrepresentation. 

Amount in dispute : {$990.00} ( and any attempted monthly charges ) Resolution sought : Full refund and confirmation of cancellation

Company response to consumer: Untimely response
Consumer complaint received 2025-12-23 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: CA

Complaint narrative:
On or about XX/XX/year>, I disputed the accuracy of a XXXX XXXX  XXXX XXXX account with Experian. Experian completed the reinvestigation and reported the account as verified. 

After receiving the dispute results, I attempted to request the Method of Verification pursuant to FCRA 611 ( a ) ( 7 ) to understand how the account was verified, including who was contacted, the method used, and what documentation was reviewed.

Experian does not provide a clear or accessible way to request a Method of Verification for a closed dispute. When I attempted to obtain guidance through Experians website chatbot, I was informed that there is no specific information available on how to request a Method of Verification for a closed dispute.

I am requesting that Experian provide the required Method of Verification or correct or delete the account if it can not be verified in compliance with 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 explanation
Consumer complaint received 2025-12-23 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing this CFPB Complaint to report 8 separate accounts appearing on my consumer credit report which I do not recognize as reported and which are the result of a data breach. These accounts include : 1. XXXX XXXX on XX/XX/XXXX under the account number XXXX XXXX XXXX XXXX XXXX. 
2. XXXX  XXXX XXXX on XX/XX/XXXX under the account number XXXX XXXX XXXX 
3. XXXX  on XX/XX/XXXX under the account number XXXX XXXX XXXX XXXX XXXX. 
These accounts have resulted in several hard inquiries and collections appearing on my consumer credit report. I demand that the aforementioned items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-12-23 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: GA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is a formal dispute and demand for immediate correction of my credit file pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 604 ( a ), 605B, and 609. I am requesting the immediate deletion and permanent blocking of accounts, inquiries, and any personal data that have been reported, accessed, or transmitted without my current and valid consent.SEE ATTACHED

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: CrossCountry Mortgage LLC
State: CA

Complaint narrative:
Crosscountry Mortgage, serviced by XXXX XXXX number : XXXX XXXX home banking as a bill pay service sent a payment to XXXX XXXX  on XX/XX/year>. XXXX guaranteed delivery by XX/XX/year>. XXXX has confirmed that the check was mailed out on XX/XX/year>. The check number is XXXX. 

Roundpoint mortgage is going through a transition to another service provider called Cross Country mortgage, starting XX/XX/year>. 

XXXX Mortgage has indicated that the check was received on XX/XX/year>. 

They applied a late penalty of {$120.00}. 

XXXX received the check and failed to process/post the payment. As a result, the payment was posted late and a late penalty was added. 

I am requesting that the CFPB review the process of payment in my case. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: FORD MOTOR CREDIT CO.
State: NY

Complaint narrative:
I SENT CEASE AND DESIST LETTER, REQUEST FOR A 1099C.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: NJ

Complaint narrative:
I am filing this complaint because Experian has failed to properly address my repeated requests regarding a late payment issue with XXXX XXXX that continues to affect my credit report. I have already submitted multiple dispute packages to Experian, including all required documentation, but this issue remains unresolved, and there has been no action taken by Experian. Despite following all procedures, Experian has failed to update or correct the late payment information for XXXX. 
As per 15 U.S.C. 1681i ( a ) ( 5 ), Experian is required to conduct a reasonable investigation when a dispute is filed and provide me with the results. Additionally, under 15 U.S.C. 1681e ( b ), Experian has the obligation to ensure the maximum possible accuracy of the information on my credit report, including late payments. Their failure to properly handle my dispute and make the necessary corrections is a violation of my rights. I have repeatedly followed up, and this matter continues to go unresolved. The delay in addressing this issue has caused significant harm to my credit score, financial standing, and peace of mind. Experian has failed to act, and I am now requesting the CFPBs intervention to ensure that this matter is resolved immediately. I am demanding that Experian take immediate action to correct the late payment issue with XXXX XXXX and update my credit file in compliance with FCRA requirements. The failure to act is unacceptable and has caused ongoing damage to my financial reputation.

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 2025-12-23 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:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement br

eaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

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 2025-12-23 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: IN

Complaint narrative:
I am submitting this dispute to request an investigation and correction of inaccurate information reported on my credit report. Below are the details of the accounts in dispute : CHARGED OFF XXXXXXXX XXXX XXXXXXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$230.00} XXXX XXXX XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXXXXXX 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 XXXXT XXXX, Account Number : XXXXXXXX XXXX XXXXXXXX, Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : 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 2025-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: ND

Complaint narrative:
I had identity theft because of XXXX and I had and still do my XXXX, XXXX, and a bank account but cash app will not let me have my account back they closed it even though I have important information I need to get out of there which I can not they said it was violation of standards which they will not tell me what happened even though it wasn't my fault they won't let me fix it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: IL

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
THESE ACCOUNTS WERE NOT OPENED OR APPROVED BY ME. I HAVE NO CONNECTION TO THESE ACCOUNTS.

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 2025-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>, I noticed that a XXXX account was added to my Chase personal bank account. That same date I noticed that there was a {$1400.00} transfer from my Chase account to the XXXX account. I have never opened a XXXX account and I contacted XXXX to confirm that nobody had attempted to open an account with my information. They stated that there was nothing in my name. I contacted chase to report the fraudulent activity. To protect myself, I reported the fraudulent activity to XXXX for a fraud alert to be on my file for one year. Through a local Chase branch, I changed my account number. They credited back the {$1400.00} until yesterday XX/XX/year>. The 800 number representative stated that Chase denied my claim although it was clear I have never had a XXXX account nor did I approve any such transaction. Chase stated that there was no login issues and that a face id verification was used to authorize the transfer. Anytime I have made a transfer in the past, I receive a notification from Chase. I received nothing about this transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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:
I reject any claimed connection to these accounts and demand removal within 15 days per USC 1681g.

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 2025-12-23 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: CA

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged Off Accounts : XXXX CARD Account Number : XXXX Date Opened : XX/XX/year> Balance : {$0.00} Inquiries : No inquiries listed for Equifax. 

Late Payments : XXXXXXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with non-monetary relief