vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Under 15 U.S.C. 1681i ( a ) ( 7 ) and 1681e ( b ), I formally request a full description of the reinvestigation procedures used to verify the accuracy of the following items on my credit report. Please include the name, address, and phone number of any furnishers contacted, as well as the documentation used. 

Disputed Accounts : XXXX. Bankruptcy XXXX XXXX Case Number : XXXX Courts do not furnish credit data. Listing the bankruptcy court as the furnisher is inaccurate and misleading. 
Request : Remove this account immediately. 

XXXX. XXXX XXXX XXXX XXXX BANK Account No. ( partial ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  No valid proof of debt has been provided. Under Engelhardt v. Gravens, I may presume no debt exists.

Request : Remove this account from my credit report.

Please also provide : The original creditors name, address, and phone number The name of the individual with whom you verified the item Copies of any original contracts used for verification Your procedures to ensure 100 % accuracy of reported items If you can not prove these accounts are accurate, they must be removed under 15 U.S.C. 1681i ( a ) ( 5 ). Noncompliance may result in legal action under 1681n and 1681o, with penalties up to {$1000.00} per violation. 

If verification can't be provided, reopen the disputes and conduct a proper reinvestigation. I expect a response within 15 days as required 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 explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On multiple occasions, I attempted to access my TransUnion credit report. First, I tried through XXXX XXXX on XX/XX/XXXX, which showed no data. Then, I pulled my report through XXXX, which displayed my correct credit information and score. However, when I logged into TransUnions direct online portal, on XX/XX/2025 my report appeared incomplete and inaccurate, showing drastically reduced credit limits, credit score, shortened credit history, and missing accounts. I contacted TransUnion in XXXX to resolve this issue and requested a full, corrected copy of my credit report, but I have not received a proper response or correction and it has gotten worse. This situation prevents me from moving and finding a safe place to live as well as me accessing my personal credit information, which I am entitled to under the Fair Credit Reporting Act ( 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 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
DEAR ( CREDIT REPORTING AGENCY ), Contents of Complaint : This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Experianthe credit reporting agency, block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am very much in disbelief of what's happening with my consumer repo rt, the listed accounts are listed below.

This fraudulent, inaccurate, and false information consists of a few Personal credit card accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer FICO credit report, leaving me so stressed. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the previous consumer credit accounts, collections, and hard inquiries result from identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CHARLES SCHWAB CORPORATION, THE
State: VA

Complaint narrative:
One of my disputes that has about {$6000.00} is pending without credit now for almost a month. Banking dispute team is saying its going to be 90 days but are offering no credit or more importantly interest on the money I am losing. Dispute process is very slow and little work is being done to resolve the issue. Give credit with interest lost. The dispute should not fall under services not rendered but fraudulently witholding the money that was taken by the company and not paying it back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: PA

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously incarcerated, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past XXXX years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: MA

Complaint narrative:
My current mortgage servicer is NewRez. 
I have paid down more than 20 % of my mortgage. 
Leader bank which was my mortgage originator sold off my loan which is now handled by Newrez. 
Leader banks mortgage documents clearly state that PMI will not be charged to my escrow once loan is paid off to the extent of 20 %. 
Newrez continues to charge PMI for 3 months since i paid off 20 %. Repeated complaints and support tickets have yield a " We ' r looking into this matter '' response from Newrez. 

There is no support forthcoming from Newrez. I have now followed up thrice with Newrez.

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 2025-08-02 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: CA

Complaint narrative:
I am filing this complaint because XXXX XXXX XXXX is reporting a debt without fully validating it as required by federal law. Despite my written requests under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), they have failed to provide : A signed copy of the original contract or agreement bearing my signature, A complete itemization of the charges that make up the alleged balance, Documentation showing they have legal ownership or assignment of the debt.

Their failure to provide this basic and required documentation constitutes a violation of 15 U.S. Code 1692g and FCRA reporting standards under 15 U.S. Code 1681s-2 ( b ). XXXX is attempting to collect and report a debt that has not been verified, which is misleading and damaging to my consumer report. 

I am requesting the immediate deletion of this account from all credit reporting agencies, or full validation with proper, legally acceptable documentation. Continued reporting without full validation is both deceptive and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc.
State: IA

Complaint narrative:
After Comenity refused/ignored/ DID NOT RETURN payment, I served Comenity Capital Bank with formal documentation including a 1099-C Cancellation of Debt, a Notice of Commercial Lien, Cease and Desist , Trust Ledger, and Affidavit of Mailing. These documents were duly received and establish that the alleged debt was discharged and collateralized. Despite this, Comenity has refused to acknowledge the discharge, continues to report negative information to consumer reporting agencies, and has failed to validate the debt or provide a full accounting. Their refusal to accept lawful discharge documentation and continued collection actions constitute willful misrepresentation, unauthorized collection, and FCRA violations. They ignored multiple legal notices and failed to respond in good faith, causing financial harm and reputational damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: RentDebt Automated Collections, LLC
State: GA

Complaint narrative:
I have no knowledge of these accounts, they are not mine. I have disputed the accounts but they have not been deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
THESE INQUIRIES ARE NOT MINES. SOMEONE HAVE BEEN USING MY INFORMATION TO APPLY FOR ACCOUNTS AND IT GOES AGAINST MY FCRA RIGHTS. THIS IS HINDERING ME FROM IMPROVING MY CREDIT. THESE INQUIRIES ARE NEGLECT TO MY PROGRESS AND IS A DEFAMATION OF CHARATER. PLEASE REMOVE

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 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
THESE INQUIRIES ARE NOT MINES. SOMEONE HAVE BEEN USING MY INFORMATION TO APPLY FOR ACCOUNTS AND IT GOES AGAINST MY FCRA RIGHTS. THIS IS HINDERING ME FROM IMPROVING MY CREDIT. THESE INQUIRIES ARE NEGLECT TO MY PROGRESS AND IS A DEFAMATION OF CHARATER. PLEASE REMOVE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 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: TN

Complaint narrative:
This morning, I woke up to an email stating that my credit card had been approved and that it was going to get mailed to me. I have never applied for any credit card from this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 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: PA

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously XXXX, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 
I would like to confirm that I have lived at my current address for the past five years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your attention to this matter.

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 2025-08-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Unauthorized transactions : XXXX. XXXX XXXX {$940.00} charged to credit card ending in XXXX ( this card was previously reported lost ) XXXX. XXXX XXXX  {$160.00} charged to the same lost credit card ending in XXXX I reported these unauthorized transactions to Chase multiple times by phone and provided all necessary supporting evidence for a fraud investigation. I was explicitly assured that I would receive the investigation results within four business days. However, Chase failed to follow through, never provided any updates, and took no action to resolve the matter. 

As a direct result of Chases negligence and inaction, my business account was closed, my personal account was also shut down without notice, and my credit score has plummeted to XXXX. This has caused me severe financial and reputational harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OK

Complaint narrative:
Dispute ID : XXXX Bank : USAA Federal Savings Bank Date of Transaction : XX/XX/year> Amount : {$1000.00} Method : XXXX XXXX  Debit card ending in XXXX Dear CFPB, I am submitting this complaint to formally dispute how USAA Federal Savings Bank handled a fraudulent transaction I reported and appealed multiple times. 

On XX/XX/year>, I was manipulated into sending {$1000.00} via XXXX XXXX as part of a fraudulent job recruitment scam. The scammers posed as representatives of a well-known company ( XXXX  ), using a fake domain name : XXXX XXXX XXXXXXXX and invitation code XXXX. 

They instructed me to send money for job-related tasks under the promise of future commissions. I later discovered this was a sophisticated scam. I filed a formal dispute with USAA. However, USAA denied my claim, stating no error occurred. The denial ignored the fact that the transaction was made under false pretenses and deception. 

I escalated the dispute to the highest level within USAA, but they refused to reverse the charge or consider the scam evidence I provided. This decision leaves me responsible for a transaction I did not authorize with full knowledge or consent, and I believe this violates protections under Regulation XXXX and consumer protections for fraud victims. 

I am requesting the CFPB to : Review USAAs investigation and handling of my dispute Ensure they are adhering to proper consumer protections Help facilitate a resolution and refund of the disputed {$1000.00} I am happy to provide supporting documents, including the denial letter, scam communications, and references to the fraudulent site and process used by the scammers. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-08-02 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: IL

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence of XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX  acct # XXXX XXXX DEPT OF ED/XXXX  acct # XXXX, DEPT OF ED/XXXX  acct # XXXX, DEPT OF ED/XXXX  acct # XXXX, DEPT OF ED/XXXX  acct # XXXX, XXXX  acct # 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 2025-08-02 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: SC

Complaint narrative:
filing this as my third complaint regarding XXXX XXXXXXXX XXXX  ( XXXX, XXXX XXXX XXXX ) and their mismanagement of my credit card account transition. As of XX/XX/year>2025, I have suffered a total drop of XXXX points in my Experian credit score, due to two preventable and false reporting events. 

XXXX. XX/XX/year>2025 Account Age Penalty ( XXXX-point drop ) : XXXX migrated my card to a new platformclosed my longstanding card, opened a new one, and misrepresented it as if I had initiated it. My credit file was reset, harming average account age even though I was a long-time responsible user. 

XXXX. XXXX 2025 False Delinquency Report ( XXXX drop ) : Despite explicit instructions from XXXX not to pay the old card, they reported a XXXX delinquency in late XXXX, which only appeared in Experian on XXXX, causing an additional XXXXpoint drop. 

Cumulative damage : XXXX on Experian. 

My efforts and evidence : Filed disputes with all three bureaus. 
Filed two prior complaints with CFPB.

Filed two prior complaints with O
CC. 
Documented phone calls and emails with XXXX reps including XXXX XXXX and XXXX XXXX. 
Screenshots of score changes, delinquency, and public complaints. 

Notable statements from XXXX : XXXX XXXX admitted : information does get incorrectly posted, yet refused to proactively correct it. 
XXXX XXXX acknowledged a note in my file showing I followed instructions and no late fee should have occurred. 
XXXX XXXX repeatedly said XXXX has no control over Equifax and TransUnion despite claiming Experian was fixed. 

This is not a consumer mistakeit is the direct result of XXXX failure to manage a transition process and correct known errors. As a result, I have incurred significant financial and reputational harm, and I demand : Immediate correction and removal of all inaccurate reporting.

Restoration of my pre-damage credit score status.

Confirmation of corrective action to all three bureaus. 

Thank you for your prompt attention to this escalating matter. 

Sincerely, 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 2025-08-02 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: SC

Complaint narrative:
filing this as my third complaint regarding XXXX XXXX XXXX ( XXXX, The XXXX XXXX ) and their mismanagement of my credit card account transition. As of XX/XX/year>, I have suffered a total drop of XXXX points in my Experian credit score, due to two preventable and false reporting events. 

XXXX. XX/XX/year> Account Age Penalty ( XXXXpoint drop ) : XXXX migrated my card to a new platformclosed my longstanding card, opened a new one, and misrepresented it as if I had initiated it. My credit file was reset, harming average account age even though I was a long-time responsible user. 

XXXX. XXXX 2025 False Delinquency Report ( XXXXpoint drop ) : Despite explicit instructions from XXXX not to pay the old card, they reported a XXXX delinquency in late XXXX, which only appeared in Experian on XXXX, causing an additional XXXXpoint drop. 

Cumulative damage : XXXX on Experian. 

My efforts and evidence : Filed disputes with all three bureaus. 
Filed two prior complaints with CFPB.

Filed two prior complaints with OCC. 
Documented phone calls and emails with XXXX reps including XXXX XXXX and XXXX XXXX. 
Screenshots of score changes, delinquency, and public complaints. 

Notable statements from XXXX : XXXX XXXX admitted : information does get incorrectly posted, yet refused to proactively correct it. 
XXXX XXXX acknowledged a note in my file showing I followed instructions and no late fee should have occurred. 
XXXX XXXX repeatedly said XXXX has no control over Equifax and TransUnion despite claiming Experian was fixed. 

This is not a consumer mistakeit is the direct result of XXXX  failure to manage a transition process and correct known errors. As a result, I have incurred significant financial and reputational harm, and I demand : Immediate correction and removal of all inaccurate reporting.

Restoration of my pre-damage credit score status.

Confirmation of corrective action to all three bureaus. 

Thank you for your prompt attention to this escalating matter. 

Sincerely, 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 2025-08-02 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: AL

Complaint narrative:
My cashapp account was closed for " gambling '' but gambling is very very against my religion so there's no way possible that's even half way true. I've had a lot of issues since the closure because my dad sends me money for my bills on cashapp because we're so far away and now we're having to use other means which has become stressful. I've spoke to customer service and requested an appeal which they denied. Which is ridiculous because I've never even gambled anywhere! I've never even stepped foot in a casino!

Company response to consumer: Closed with explanation