vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-24 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: SC

Complaint narrative:
I am submitting this statement to dispute several inaccurate items being reported on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Under this federal law, I have the right to dispute inaccurate or unverifiable information, and credit reporting agencies are required to conduct a reasonable investigation and correct or delete any information that can not be verified ( FCRA 1681i ). They are also obligated to maintain maximum possible accuracy ( FCRA 1681e ( b ) ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$1000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$820.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2800.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$300.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$310.00} XXXX XXXX XXXX ( Original Creditor : XXXX  ) Balance : {$2800.00} Please conduct a thorough investigation into the items listed above. If the information can not be verified or is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have identified late payment entries on my credit report that I believe are incorrect. Under 15 USC 1681e ( b ) and 15 USC 1681i, my credit report must only include accurate, complete, and verifiable information. I am requesting verification of these late payment entries, and if they can not be confirmed, I ask that they be corrected or removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: NV

Complaint narrative:
My federal student loan serviced by MOHELA is showing a 90-day delinquency for XXXX [ 2025 ]. XXXX reports XXXX, XXXX shows 90 days late, and XXXX reports XXXX. This is inconsistent and inaccurate because a 90-day delinquency requires three consecutive missed payments. It is impossible for the account to be current in XXXX and XXXX but 90 days delinquent in XXXX. 

I request verification with original billing/payment records. If this can not be substantiated, the XXXX 90-day delinquency must be deleted under the FCRA as unverifiable.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting this dispute to the CFPB regarding several late-closed accounts inaccurately reported on my 3 credit report. The first account, XXXX XXXX XXXX XXXX ending XXXX, shows a 30-day late payment in XX/XX/XXXX, which does not reflect my records. The second account, XXXX XXXX XXXX XXXX ending XXXX, reports multiple late payments between XXXX and XX/XX/XXXX, which are inconsistent with my payment history. The third account, XXXXXXXX XXXX XXXX ending XXXX, is reported with 120-day late payments from XX/XX/XXXX through XX/XX/XXXX, which I never incurred. 

Under FCRA 1681i ( a ), I request that TransUnion thoroughly reinvestigate each account directly with the respective creditors, correct or update any unverifiable or inaccurate information, and provide written confirmation of the results along with an updated credit report. Accurate reporting is essential to reflect my true payment history and maintain a fair, reliable credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am submitting this dispute to the CFPB regarding several late-closed accounts inaccurately reported on my 3 credit report. The first account, XXXX XXXX XXXX XXXX ending XXXX, shows a 30-day late payment in XX/XX/XXXX, which does not reflect my records. The second account, XXXX XXXX XXXX XXXX ending XXXX, reports multiple late payments between XXXX and XX/XX/XXXX, which are inconsistent with my payment history. The third account, XXXXXXXX XXXX XXXX ending XXXX, is reported with 120-day late payments from XX/XX/XXXX through XX/XX/XXXX, which I never incurred. 

Under FCRA 1681i ( a ), I request that TransUnion thoroughly reinvestigate each account directly with the respective creditors, correct or update any unverifiable or inaccurate information, and provide written confirmation of the results along with an updated credit report. Accurate reporting is essential to reflect my true payment history and maintain a fair, reliable credit profile.

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 2025-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
LVNV is a debt collection agency and reported a debt it states I owe to the credit bureas which affect my credit ratings. I requested the MOV ( method of verification ) I need the Time, person, entity and system used to verify this debt, along with the XXXX record used to report this debt to the credit repirting sgencies. I am asking for additional verification. I want to know who owns this debt, the Chain of Title, the original agreement with my signature. The transactions from the time this account was opened to todays date. LVNV is either unable or unwilling to comply with this lawful FCRA request. I demand LVNV delete this account immediately to prevent litigation and further FCRA violations. I will seek statutory damages for the violations if court is the final outcome.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I was affected by the Equifax data breach and have been unable to obtain correct information or compensation from the administrators XXXX XXXX XXXX. The call center reps Never have specific details and only read from scripts or refer you back to the attorneys who also dont respond. When trying to escalate the issues, they claim no supervisors are ever available and schedule call backs, which never happen. Even though I submitted my claim on time with all documents, they denied my claim alleging they didnt receive the documents on time until I advised I submitted the paperwork both online and via USPS Sent it certified, return receipt. They NEVER respond to any requests in writing, even when requested. And are systematically withholding claimants settlement payments. I have been calling or emailing them for over two years now and Still havent gotten any resolution. They never verify how the damages are being calculated or what TYPE of proof of costs encored they need to determine damages or monies spent trying to repair the credit affected by identity theft/ data breach. I want to know, in writing, the specific criteria needed to determine compensation amount, a What evidence EXACTLY they require to determine damages. Clearly I was identified as affected by Equifaxs breach, however XXXX employees are alluding to the claimants having to Prove their identities were stolen SPECIFICALLY from the Equifax breach, which is highly unusual. Ive submitted FTC reports, police reports, letters verifying fraud, and other documents with cost related to time spent trying to counter the fraud associated with the breach and identity theft and XXXX has failed to respond with any clarifying information or calculations regarding payouts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: CT

Complaint narrative:
On XX/XX/year> I contacted Navy Federal credit union in regards to a transaction that processed on my account from XXXX  in the amount of {$5100.00}. In contacting the contact center they explained to me that the transaction was a forced post to my account by Navy Federal by XXXX. I explained to the representative on the phone that I have not received any contact from XXXX in regards to a transaction in that amount, the representative over the phone told me that XXXX XXXX decided to post the transaction force post it from XXXX and then I would need to contact XXXX. I contacted XXXX. I did not receive a response from my phone call or a text back from the XXXX representative, so I decided to stop into my local branch. I had a conversation with two of the bankers that were looking at my account and they explained to me that they do not know how this transaction even got posted to my account because the limit for any transaction on your debit card is {$3000.00}. The representative told me that it is not a normal practice of Navy Federal credit union to force post any transaction over the amount of the limit that they have set on their debit card transactions. I did explain to the representative that I am extremely unhappy with Navy Federal credit unions practices because if I am their customer, why would they force post a transaction from any merchant on my account without my knowledge and especially exceeding the amount that they are able to charge my debit card of {$3000.00}. I filed a dispute on the transaction however Navy Federal credit union told me it is gon na take 10 days for them to process it which as I explained to the representative in the Navy Federal credit union branch that is absolutely insane all of my money is now tied up until they are done their investigation. The representative did apologize to me and told me that hopefully they will process the transaction in a timely manner. This is completely unacceptable since this has happened on XX/XX/year> Navy Federal did allow me to process to open a new account and any funds that I have put in the account so far has been taken and sent over to my other account where the fraud occurred. I didnt agree for Navy Federal to take any funds from any of my other accounts to put into this account. This is a very unfair business practice from Navy Federal credit union. I also have not received any information in regards to the dispute that I filed on the transaction in question.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-24 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: AL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-09-24 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: MN

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: VIAMERICAS CORPORATION

Complaint narrative:
Company Name : Viamericas / XXXX XXXX Date of Transaction : XX/XX/year> Amount : {$440.00} Type of Issue : Authorization hold not released/ Failed transaction / Lack of resolution On XX/XX/year>, I attempted to send {$440.00} using the XXXX XXXX app, which is operated by Viamericas. The transaction failed, and I received an error message within the app. However, the full amount of {$440.00} was still placed on hold by the app, appearing as an authorization hold on my account. 
I contacted XXXXViamericas customer support multiple times, and I was told that the funds would be released within XXXX hours. As of today, XX/XX/XXXX, the hold is still active and my funds remain unavailable. The company has not provided a satisfactory resolution, and continues to give generic or misleading responses about the release of the funds. 
This situation is causing financial strain, and I am concerned this may happen to other users as well especially if the app is unable to reverse failed transactions or release held funds in a timely manner. 
I am requesting assistance to : Have the {$440.00} hold fully released immediately Ensure that Viamericas/XXXX  is reviewed for practices that may be impacting other consumers unfairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. 
This is a formal complaint against CITI a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ). I previously submitted a dispute challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation. Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy. 
CITI 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 2025-09-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Abra

Complaint narrative:
I opened my Abra app wallet last month ( XX/XX/year> ) to monitor my cryptocurrencies. Then suddenly my balance went all down to XXXX. I also have investment on their XXXX  program which is now XXXX balance. I could not believe what happened. I am reporting now because I thought it might be an App Maintenance but they didn't announce any Maintenance on their webpage abra.com. Its taking more days approximately months to have this resolved. I also reported their contact support but received no reply ever since last month. My last transaction was XX/XX/year> with Abra USA. Please take action Abra and we the users need to know.

Company response to consumer: In progress
Consumer complaint received 2025-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: MO

Complaint narrative:
XX/XX/year> I lost my phone with {$5.00} on cash app. XXXX XXXX than got in my phoneande sent {$5.00} to his account when that went throw borrowed {$100.00} & sent it. 7 day later I log in on a different phone and report shortly after that

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
Incident date XX/XX/year> did not receive product, but was charge by the XXXX American Express credit card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The consumer reporting agency has violated FCRA 1681b by reporting information on my credit file without a permissible purpose or my consent. I did not authorize these entries. The continued presence of this information is an unlawful act that has compromised the integrity of my credit file and caused me financial and emotional distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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: TX

Complaint narrative:
I am writing to dispute the late payment currently reflected on my credit report. This entry is inaccurate and does not accurately represent my payment history, which has been consistently on time. Allowing it to remain is misleading and damaging.

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 2025-09-24 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 filing a follow up complaint regarding inaccurate and unverifiable information on my credit report, including collections, late-closed accounts, inquiries, and incorrect addresses. These errors are harming my creditworthiness and misrepresenting my financial history.XXXX XXXX XXXX XXXX XXXX Date of Last Activity : XX/XX/XXXX, Balance Owed : {$270.00} This account is inaccurately reported and does not reflect my actual payment history.XXXX XXXX XXXX XXXX XXXX XXXX  Date of Last Activity : XX/XX/XXXX, Balance Owed : {$0.00} This account is inaccurately reported as late-closed. 
XXXXXXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX These addresses are incorrect and do not reflect my actual residence history. 
Inquiries Included in Dispute : 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 XXXXXX/XX/XXXX These inquiries were either unauthorized or inaccurately reported.

Company response to consumer: Closed with non-monetary relief