vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-21 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 have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a timely resolution.

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 2025-07-21 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: MO

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal 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 2025-07-21 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: AR

Complaint narrative:
Greetings, I sent Experian, Equifax XXXX TransUnion dispute letters on XX/XX/year>, requesting a deletion of all incorrect & invalid personal information. I also called in to their offices! I requested the removal of incorrect date of birth, addresses, phone numbers & employment history. I even provided paperwork to verify the correct information that belongs to me. I would like to see a change made immediately!

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 2025-07-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Village Capital & Investment LLC
State: CA

Complaint narrative:
" To whom it may concern, To get two problems addressed at the same time, my escrow recalculation has been done incorrectly multiple times in a row. Initially it was lowered barely which resulted in an overpayment to XXXX XXXX in California. Then it was recalculated to XXXX for the entire year and lowered my mortgage payment entirely too low. Then it was recalculated a third time raising my mortgage payment because the escrow account was allegedly going to be underfunded ( because of miscalculations done by the tax team at Village Capital ). If I am getting additional taxes taken off of my mortgage, my payment should not and would not be going up. 

Please see attached for an official letter from XXXX XXXX. XXXX XXXX has precalculated my upcoming taxes for XXXX of XXXX and XXXX of XXXX to be {$3900.00} each, or {$7900.00} for the entire year. 

Additionally, I spoke with XXXX ( my home insurance ) and had them remove payment from Village Capital, because that was also messed up this year. I will be paying that monthly from my own checking account starting XXXX. XXXX to XXXX was paid in full from my escrow account. This amount needs to be removed moving forward. 

With both of those things in mind, my estimated monthly payment SHOULD be ~ {$4000.00} each month. 

Additionally, because of the overpayment from taxes this past year, there is currently {$950.00} missing. It was received by Village Capital, but has not been sent out as a return to me, or redistributed to my escrow account. I need an update on the status of this money by the end of the week. 

To break it down further, my home is valued at {$620000.00}. My partner and I are both 100 % XXXX XXXX. So, combined our taxable amount lowers by {$350000.00}. This brings the taxable amount of our home down to {$280000.00}. 

Please perform a proper escrow analysis with these updated numbers from XXXX XXXX. My payment should be NO HIGHER than {$4100.00} to account for a potential buffer. 

Respectfully, XXXX XXXX and XXXX XXXX XXXX '' This is the letter that we sent over to their Consumer Help as a QWR and to the tax team. I am continuously having to chase them down to get responses, and I ended up just getting bounced around between the tax team, the customer service team, and random managers. There is a missing check from tax overpayments for {$950.00}. My mortgage keeps getting mishandled and miscalculated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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:
In accordance with the FCRA, this creditor XXXX XXXX, XXXX # XXXX XXXX XXXX XXXX XXXX  have violated my rights under : 15 USC 1681 Section 602 which states I have the right to privacy, furthermore 15 USC 1681 Section 604a Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

Lastly, under 15 USC 1666b a creditor may not treat a payment on a credit card account on an open-ended consumer credit plan as late.

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 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
In accordance with the FCRA, this creditor XXXX XXXX, XXXX # XXXX XXXX XXXX XXXX XXXX  have violated my rights under : 15 USC 1681 Section 602 which states I have the right to privacy, furthermore 15 USC 1681 Section 604a Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

Lastly, under 15 USC 1666b a creditor may not treat a payment on a credit card account on an open-ended consumer credit plan as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-07-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: OK

Complaint narrative:
On XX/XX/XXXX I attempted to transfer ( send ) my XXXX ( cryptocurrency : XXXX ) to a XXXX wallet. I initially sent {$5.00} worth of XXXX which also had a {$0.00} network fee to the XXXX a wallet as a test amount to ensure funds would successfully reach the intended destination wallet. This is a common practice within the cryptocurrency market. The transaction was submitted at XXXX and processed at XXXX. Afterwards, an attempt to send {$8000.00} worth of XXXX was made, but this transaction failed and shortly after I received a notification and pop-up within the app that my account was restricted from sending cryptocurrencies. I then market sold the entirety of my XXXX holdings with the intentions to withdraw the cash amount as a means to transfer my funds, but came to understand that I was unable to even withdraw my cash from the account wit such restriction. The pop-up within the app states that I will be notified by XX/XX/XXXX, I understand that there may be a high volume of issues for the company to resolve, but the restriction being place after initially having no issue sending the test transaction of XXXX makes it seem that such restriction is unwarranted. I have been in good standing and never have gone negative on my account since its inception.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
The reporting was removed from the consumer report and then added back on after filing a complaint with the CFPB. The previous issue was already made known to the CFPB and the status of that complaint said a letter was sent to the credit company. The reporting was removed from XXXX XXXX XXXX, and then added back onto both.

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 2025-07-21 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
On XX/XX/year> I was scammed and purposefully overcharged for a service that was never completed while traveling in a foreign country with my XXXX XXXX XXXX XXXX. The merchant charged my credit card against my will twice in the amount of {$250.00} for a total of {$510.00}. I never authorized this amount especially not twice. 

We were supposed to be dropped off at our XXXX XXXX XXXX de XXXX from the XXXX via a XXXX XXXX. The distance from the XXXX to our hotel was less than XXXX miles away however instead of being taken to our hotel we were taken to a random street that was secluded and they tried to force me to take money out of an ATM. At this point I became very fearful for my safety as well as my daughters. I put my card in the ATM and pretended to act like I was trying to get cash, in hopes that someone would walk by so we could ask for help. My credit card company can see the canceled ATM activity on my account. I repeatedly asked for the price and was refused he would just keep yelling you pay. The guy at this point grabbed my credit card out of my hand against my will and charged my account using two different devices and refused to show me the amount he was charging. He then took off with his accomplice not providing any receipt or proof of amount charged. My XXXX  and I had to walk over a mile back to our hotel in a foreign country feeling very fearful of these men. I checked my pending charges as soon as we made it back to our hotel and called Barclays customer service to let them know about the situation. Customer service advised me I would have to call back once the charges posted to the account which I did but they have declined the dispute because I do not have a receipt. I sent a letter of intent to my credit card company asking them to reopen the dispute and again they are not helping and reason I was told over the phone was again because I do not have a receipt. These guys refused to provide any receipt and took my card out of my hand against my will. Doing research on my own for XXXX prices from legitimate merchants should have been {$26.00}. These scammers charged my card the amount that would have been for a full XXXX hour day tour. We were not on the XXXX for more than XXXX minutes and were not taken to our destination. I am asking for help in getting my money back that was stolen from me.

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 2025-07-21 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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

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 2025-07-21 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: NC

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I submitted formal disputes to TransUnion, Equifax, and Experian regarding inaccurate information being reported on my credit file. In each dispute, I clearly identified the accounts in question and outlined the specific violations affecting my consumer report. It has now been over 60 days, and I have not received any proper response or resolution from any of the credit bureaus. Attached are copies of all correspondence previously sent. 
This company is in violation of the Fair Credit Reporting Act ( FCRA ), Section 623 ( a ) ( 3 ), for failing to mark the disputed account as " in dispute '' during the investigation process. Furthermore, FCRA Section 605 ( c ) has also been violated by improperly reporting the Date of Last Activity ( DLA ). The DLA should reflect the last date a payment was made, not the date the account was placed for collection or charged off.

Additionally, this company has failed to provide proper validation of the alleged debt in question, despite multiple requests. This constitutes a violation of the Fair Debt Collection Practices Act ( FDCPA ), Section 809 ( b ), as interpreted by the Federal Trade Commission ( FTC ). Continued failure to validate and correct this information is unacceptable and unlawful.

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 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I submitted formal disputes to TransUnion, Equifax, and Experian regarding inaccurate information being reported on my credit file. In each dispute, I clearly identified the accounts in question and outlined the specific violations affecting my consumer report. It has now been over 60 days, and I have not received any proper response or resolution from any of the credit bureaus. Attached are copies of all correspondence previously sent. 
This company is in violation of the Fair Credit Reporting Act ( FCRA ), Section 623 ( a ) ( 3 ), for failing to mark the disputed account as " in dispute '' during the investigation process. Furthermore, FCRA Section 605 ( c ) has also been violated by improperly reporting the Date of Last Activity ( DLA ). The DLA should reflect the last date a payment was made, not the date the account was placed for collection or charged off.

Additionally, this company has failed to provide proper validation of the alleged debt in question, despite multiple requests. This constitutes a violation of the Fair Debt Collection Practices Act ( FDCPA ), Section 809 ( b ), as interpreted by the Federal Trade Commission ( FTC ). Continued failure to validate and correct this information is unacceptable and unlawful.

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 2025-07-21 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: NC

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

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 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 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 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 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

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 2025-07-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Chime Inc.

Complaint narrative:
I send money through sendwave but then opted to cancel. I chatted in the app chat, said they filed escalation, i will need to wait 24 hrs for update. I waited, then chatted again to make sure the wire is cancelled. They asked me to wait till money for the local partner to reject the wire, the wire was never rejected, they ignore my desperate plea of cancelling the wires as I needed it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: TX

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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