vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-06 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: PA

Complaint narrative:
TransUnion is reporting a collection account from XXXX XXXX XXXX XXXX ( account ending in XXXXXXXX XXXX XXXX XXXX XXXX  ), dated XX/XX/year>, with an alleged balance of {$11000.00}. I dispute the accuracy and validity of this account as it currently appears on my credit report. 

First, I have not been provided with any supporting documentation substantiating the legitimacy of this debt, including its origin, the calculation of the amount, or a valid chain of custody showing how it came to be reported in collection status. The lack of transparency raises serious concerns, especially considering how impactful this entry is on my creditworthiness. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), TransUnion is obligated to conduct a proper and timely reinvestigation of any item disputed by a consumer. Moreover, if any item is found to be inaccurate, incomplete, or can not be verified, it must be promptly corrected or removed under 15 U.S.C. 1681i ( a ) ( 5 ). 

The presence of this large collection entrywithout clear verificationsuggests a breakdown in compliance, and may be indicative of broader data integrity issues. Given the size of the balance and the lack of transparency, this could stem from outdated, duplicated, or misreported data, especially in light of the increasing exposure of consumer information due to data breaches across financial institutions.

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 2025-06-06 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: LA

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 explanation
Consumer complaint received 2025-06-06 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: GA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXX XXXX Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXXXXXX XXXX ] Account Number : XXXX XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: NEW YORK COMMUNITY BANCORP INC
State: MA

Complaint narrative:
An incorrect payment amount was calculated by XXXX XXXX for an interest-only payment on my HELOC on XX/XX/year>XXXX Please see the attached posted payments pdf. You'll see that the interest only payment went up from {$610.00} to {$630.00} despite making a payment of {$12000.00}. As a result, an automatic payment that was too large was deducted from my checking account. The company has told me they are aware of this issue, and it is affecting multiple customers. However, they have refused to put that in writing. I have been calling their customer service every two weeks for an update. They do not provide me with any information other than they are " reviewing the issue. ''

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 2025-06-06 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: TX

Complaint narrative:
My credit file now contains fraudulent accounts due to a major data breach. Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), I am requesting blocking and deletion within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$3300.00} XXXX XXXX - Account Number : XXXX * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3300.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1900.00}

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 non-monetary relief
Consumer complaint received 2025-06-06 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:
After reviewing my credit report I found fraudulent accounts impacting my credit. Please remove these accounts from my credit as they are hurting my ability to obtain credit.

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 2025-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: ID

Complaint narrative:
I revived a call about a private party drywall repair. The man asked if I accepted checks as form of payment I replied yes. The man asked if I could handle the exchange of money for materials needed I said yes. He sent me a check and then I prolly deposited the check into my account. The check was placed on hold for a few days and then released in full. I then wire transferred the money for materials to a man named XXXX XXXX XXXX. The check then bounced the next morning and I am now left with {$3600.00} of dept.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: TX

Complaint narrative:
My credit report has unauthorized accounts resulting from a data breach. Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5500.00} XXXX XXXX XXXX - Account Number : XXXX * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$4200.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$22.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$26000.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$790.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$100.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$360.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$110.00} XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2100.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$400.00} Inquiries XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX AXXXX. Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/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 2025-06-06 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: TX

Complaint narrative:
My credit report has unauthorized accounts resulting from a data breach. Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5500.00} XXXX XXXX XXXX - Account Number : XXXX * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$4200.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$22.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$26000.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$790.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$100.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$360.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$110.00} XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2100.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$400.00} Inquiries XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX AXXXX. Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 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:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

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 2025-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
USAA- I have been on the phone with them for over 30 hours this week disputing multiple unauthorized transactions. I started to receive some temporary credits then later got a notification that the credits were permanent so they mailed me a new card and every time I tried to use that card while I was on the phone with the fraud department, trying to make a transaction it would decline and throw my account into a fraud, alert and restrict the account this happen 10 to 15 times. They then suggested I open another checking account and transfer the money into the new checking account as the last one was compromised so I open a new checking account and now my account has been restricted and USAA will not return the funds after my account has been closed and every time I call, it says they can not accept my call. Before I close my account I wired some money to another bank account that I have the wire went through and was processed. I have the confirmation number. The money was in my other bank account for three days.. I check my other bank account today to notice the funds are not there anymore. USAA said that they were fraudulent and withdrew the funds so now I am stuck with nothing.

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 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation
State: NC

Complaint narrative:
Subject : Formal Complaint Unauthorized Hard Inquiries in Violation of 15 U.S.C. 1681b ; Demand for Wet Signature Validation and Immediate Deletion Dear CFPB Officer, This is a formal and urgent complaint against multiple unauthorized hard inquiries that have been recorded on my credit file without my knowledge, consent, or legally required authorization, in direct violation of 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ).

These inquiries were made without a permissible purpose, and the entities involved have failed to produce a copy of a signed authorization ( wet signature ) permitting them to access my consumer report.

B. Unauthorized Hard Inquiries DEMAND FOR DELETION The following hard inquiries were not authorized, and I have never applied for credit or initiated any transaction that would justify these access attempts : XXXX XXXX XX/XX/XXXXXX/XX/XXXXONEMAIN XX/XX/XXXXThese parties must provide proof of my written consentspecifically, my wet signaturefor each inquiry. Absent such documentation, these inquiries are illegal and constitute an impermissible access of my consumer file.

Federal Law Violations : 15 U.S.C. 1681b ( f ) prohibits any person or entity from obtaining a consumer report without a permissible purpose and proper authorization.

No permissible purpose exists under law for these inquiries as I never applied for credit or services with these entities.

The failure to maintain or provide a signed authorizationespecially in light of my formal disputeis a breach of duty under FCRA and a serious privacy violation.

Continued reporting of these unauthorized inquiries without the ability to validate them using my original signature will be treated as willful noncompliance and referred for further action.

Requested Relief : I respectfully demand that the CFPB : Require all credit bureaus to delete the above inquiries immediately from my credit reports.

Require each furnishing party to either produce a signed application bearing my wet signature or submit a formal retraction of the inquiry.

Investigate these violations and initiate enforcement actions where applicable.

If these unauthorized inquiries are not deleted within 30 days, I will escalate this matter with formal complaints to the FTC, State Attorney General, and, if necessary, file a civil action for willful FCRA violations.

Thank you for your immediate attention to this serious privacy and credit violation. I look forward to your prompt response and resolution.

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NY

Complaint narrative:
I have held a PMI mortgage since XXXX. In XXXX, I took a COVID-19-related forbearance. After making two payments in early XXXX, I discovered water damage and a leak in my kitchen leading to the basement, which was extended before I purchased the property. When I attempted to file an insurance claim, I learned my home had been uninsured since XXXX. The mortgage servicer, Community Loan Services, had failed to pay my homeowners insurance to XXXX XXXX XXXX XXXX. They told me they would send proof of payment to the insurer, but instead they sold my mortgage to XXXX XXXX. XXXX XXXX accepted two payments but then claimed no payments had been made since XXXX. They refused further payments for several months before finally accepting {$16000.00} on XX/XX/XXXX, to bring the loan current. The next day, the loan was SOLD to XXXX XXXX XXXX XXXX XXXX XXXX, which has refused all of my payments and claims I have not paid since XXXX. Despite the large payment made just before the sale, XXXX XXXX XXXX has filed a foreclosure lien against my home. Meanwhile, the un-repaired leak caused mold throughout the basement and into my home, worsening my asthmaespecially after I had COVID-19 in XX/XX/XXXX. Ive been unable to work for over 22 months due to persistent respiratory issues. I have documentation of all payments, attempted payments, and refusals by the lenders, as well as proof of temporary repairs. This situation has caused severe physical, emotional, and financial harm. I am seeking immediate relief, including halting the foreclosure, having the missed payments corrected, holding all bank servicer and banks accountable for failing to maintain insurance and failing to apply payments properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: CA

Complaint narrative:
I have had nothing but problems with crypto.com. Functionality issues preventing me from purchasing crypto for over a year now despite reaching out several times for resolution. They won't let me withdrawal my money they let me deposit with no problem. They imposed a 3rd party 2FA verification process that doesn't work, is it done on purpose?. Documented issues go back over 4 years now with this problem. Either they Dont want to fix or they have the stupidest IT guys on the planet working there. They provide no phone number and a very limited chat is the only way you can communicate. They prevent you or make it unnecessarily hard to access your money on thier platform. The chat runs me in circles with identity verification and reset of 2FA password only to say the next code is invalid from 3rd party and repeating this process over and over. I've posted on XXXX, I've sent emails and requests for help only to be ignored or prompted back to the useless chat to run in circles again. My fianc just passed away and I need my money to help cover funeral expenses, so time is of the essence. The lack of communication and use of 3rd party verification used against me to access my money is ethically questionable at the least and criminal from my standpoint.

Company response to consumer: Closed with explanation