vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-11 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: NC

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-11 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: GA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XX/XX/year> -- {$1200.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX 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/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
Consumer complaint received 2025-11-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
Hello, I sent a XXXX to Mr. Cooper on XX/XX/XXXX and received a reply that did not address my primary concerns on XX/XX/XXXX. I replied with an additional analysis on XX/XX/XXXX, which is currently in review. I am reporting the violations to the CFPB to escalate the matter and ensure it is recorded by a governing authority. The below is cited from my original XXXX. 


FACTS I submitted my monthly payment on XX/XX/XXXX. ( see Ref A ) Your system marked the payment as posted on XX/XX/XXXX. ( see XXXX XXXX ) I was informed that the payment was reversed via phone call on XX/XX/XXXX at XXXX EST. 
I did not receive notification via mail, portal message, or email prior to XX/XX/XXXX. 
If there was an issue processing the payment, it should not have been marked as Posted. Taking XXXX  days to inform me is not a prompt response. 
I am currently XXXX  and this error has caused me to fall behind and affects my ability to continue on-time payments, showing as past due with late fees and negative credit reporting. 
For comparison, I submitted a payment of {$2400.00} on XX/XX/XXXX. It was promptly withdrawn from my account on XX/XX/XXXX, causing a small over-draft on my account ; however, the payment still processed successfully. It does not appear that there any attempts to process the XX/XX/XXXX payment in a timely manner. If the funds had been insufficient, the payment would have still processed, not declined or returned. 

ERRORS ASSERTED ( 12 C.F.R. 1024.35 ( b ) ) 1. Failure to promptly credit or properly apply a payment and/or failure to promptly notify me of a payment issue.

2. Assessment or threat of assessment of fees/penalties arising from the delayed notification.

3. Any adverse credit reporting or delinquency status caused by your delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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:
I am writing to formally dispute the accuracy and/or completeness of information reported to the credit bureaus regarding my XXXX XXXXXXXX Card account, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2.

Account Details : Creditor : XXXX XXXX Account Number XXXX XXXX First Missed Payment : XX/XX/XXXX Charge-Off Date : XX/XX/XXXX Nature of Dispute : Upon review of my credit report, I have noticed information regarding this account that is inaccurate, incomplete, or unverifiable. 

Explanation : According to my records, the first missed payment occurred in XX/XX/XXXX, and the account was charged off in XX/XX/XXXX. Pursuant to the FCRA ( 15 U.S.C. 1681s-2 ), these marks should not reflect on my credit report due to the time frame of XXXX. Please verify that the date of first delinquency and/or charge-off date is being reported accurately and in compliance with FCRA guidelines.

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 2025-11-11 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:
I am writing to formally dispute the accuracy and/or completeness of information reported to the credit bureaus regarding my XXXX XXXXXXXX Card account, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2.

Account Details : Creditor : XXXX XXXX Account Number XXXX XXXX First Missed Payment : XX/XX/XXXX Charge-Off Date : XX/XX/XXXX Nature of Dispute : Upon review of my credit report, I have noticed information regarding this account that is inaccurate, incomplete, or unverifiable. 

Explanation : According to my records, the first missed payment occurred in XX/XX/XXXX, and the account was charged off in XX/XX/XXXX. Pursuant to the FCRA ( 15 U.S.C. 1681s-2 ), these marks should not reflect on my credit report due to the time frame of XXXX. Please verify that the date of first delinquency and/or charge-off date is being reported accurately and in compliance with FCRA guidelines.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Starting in XX/XX/year> I mailed a cease and Desist letter to midland with no answer. I also included creditor disclosure statement that midland never responded to. I mailed certified mail to the credit bureaus disputing the validation of debt and answered that it was correct which i continue to dispute the XXXX and the XXXX thats reporting on the credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/year> I wired {$30000.00} to a bank in XXXX from my checking account with Chase Bank. I was instructed to do so from XXXX. My ecommerce store is with XXXX, ,and is called XXXX XXXX XXXX XXXX XXXX XXXX I had wired money to them previously through an account with XXXX. The bank was to forward the funds to XXXX. When I sent the wire, I instructed Chase to leave the memo area blank. They decided to put in the memo area that the wire was TO FUND A INVESTMENT. This triggered a review mechanism with the bank in XXXX. The bank in XXXX audited the funds for possible money laundering. I spoke to many managers at Chase bank over a 2.5 weeks. After 2.5 weeks the {$30000.00} finally was released to XXXX to be deposited into my stores account. Chase admitted that they were responsible for putting the TO FUND A INVESTMENT statement in the memo area.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CarMax, Inc.
State: TX

Complaint narrative:
i was prequalified for a loan for a truck. me and my wife wanted zero down. both our credit was ran by several different banks and some twice by same bank. carmax told me to call one of them to get the reason why. the bank said carmax should tell me and they would send adverse letter within XXXX weeks. now our credit is ruined and we walked away with nothing but worse then we came in with and only one person returned my call when i requested their surety bond information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I subitted a fraud claim to Bank of America. Ive been with this bank company since like the year XXXX. I havent ever had issues. Somebody used my debit card and they issued me a new one. They said they would investigate. They completed their incomplete investigation on XX/XX/XXXX. They credited me a total of {$5.00}. However they rejected my claim of a transaction that was {$130.00} because they claim it was made by somebody I authorized without any proof of said claim. I havent made any online purchases and they dont want to tell me which address or from where did these transactions processed. Please help me dispute this unlawful claim. Bank of America failed me as a long term customer. How is it logical to credit me {$5.00}. While the rest was supposedly checked off as me approving said transactions? Without asking me if I approved said transactions. Please hold Bank of America accountable.

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 monetary relief
Consumer complaint received 2025-11-11 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: FL

Complaint narrative:
Complaint Type : XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX  Summary of Issue : My XXXX XXXX XXXX account ( # XXXXXXXX XXXX XXXX XXXX XXXX  ) was paid in full and closed in good standing in 2019. 
However, TransUnion and Experian continue to report a 30-day late payment from that same year.

Equifax correctly reports this account as Pays as agreed.

This inaccurate information has negatively affected my credit score and does not reflect my true payment history.

FCRA Violations : FCRA 607 ( b ) : Failure to maintain maximum possible accuracy of consumer data.

FCRA 623 ( a ) ( 2 ) : Furnisher ( XXXX XXXX XXXX ) failed to update and correct inaccurate information after notification. 
FCRA 611 ( a ) : Failure by credit bureaus to properly reinvestigate and correct disputed data within the required 30-day window.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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: WA

Complaint narrative:
I am formally submitting this follow-up complaint regarding unauthorized credit inquiries and inaccurate address information that continue to appear on my credit report. Despite my previous dispute, these issues remain unresolved and uncorrected. 

These entries were reported without my authorization or verification, in violation of multiple sections of the Fair Credit Reporting Act ( FCRA ), including XXXX, XXXX ( b ), and XXXX ( a ). 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXnder FCRA 604, a consumer reporting agency may only furnish a credit report for a legally permissible purpose, such as a consumer-initiated application for credit, insurance, or employment. I have never applied for credit or services with the companies associated with these inquiries, nor have I provided authorization for them to access my credit report. Therefore, these inquiries are unauthorized 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 2025-11-11 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: WA

Complaint narrative:
I am submitting this formal follow-up dispute regarding inaccurate address information that continues to appear on my Experian consumer file. Despite my previous dispute, the incorrect address remains and has not been properly corrected or deleted. 

The inaccurate information currently reported is as follows : Inaccurate Address to be Removed : XXXX XXXX XXXX, XXXX, WA XXXX ( reported as of XX/XX/year> ) Correct Address to be Added/Updated : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, WA XXXX XXXX have never lived at or received mail at the XXXX address, and XXXX is not associated with my personal or credit history. The continued reporting of this address may cause confusion or misidentification within my consumer file.

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 2025-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax is reporting inaccurate information from XXXX XXXX XXXX. 

The account contains contradictory and impossible dates : Date Opened : XX/XX/XXXX Last Activity : XX/XX/XXXX This is classic illegal re-aging and violates FCRA 15 U.S.C. 1681e ( b ).

Equifax must only report information that is accurate, current, and verifiable. This item fails all three requirements. 

I never opened this account, never authorized it, and Equifax is reporting information that the furnisher can not validate. 

I mailed Equifax a certified dispute with all required documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Va XXXX XXXX [ Debt Collectors Name ] XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Va XXXX Subject : Request for Debt Validation and Assignment DocumentationRe : Account Number XXXX To Whom It May Concern, I am writing in response to your [ letter/phone call/email ] dated [ insert date ] regarding the alleged debt referenced above. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and applicable Virginia debt collection laws ( Va. Code 6.2-1900 et seq. ), I am formally requesting validation and verification of this alleged debt.

Please provide the following documentation : 1. The name and address of the original creditor and the account number associated with the alleged debt.

2. The amount of the debt, including a detailed breakdown of any interest, fees, or other charges.

3. A copy of the original signed agreement or contract establishing the debt.

4. A complete payment history, showing how the amount you claim was calculated.

5. All assignment, sale, or transfer agreements or other documentation establishing the chain of title showing how the debt was legally assigned or sold from the original creditor to your company ( and to any prior debt owners, if applicable ).

6. Proof that your agency is licensed to collect debts in the XXXXXXXX XXXX XXXX as required under Virginia XXXXode 6.2-1902. Please include your license number and issuing authority.

Please note that this letter constitutes a dispute of the alleged debt and a request for validation under 15 U.S.C. 1692g ( b ). Accordingly, you must cease all collection activity and refrain from reporting this account to any credit reporting agencies until you have provided full and complete verification as requested. 
If you are unable to provide sufficient validation or assignment documentation, please confirm in writing that you will close your file and cease all further communication regarding this matter. 
Thank you for your cooperation and timely response. I expect your reply within 30 days of receipt of this letter. 
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 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/year> -- {$14000.00}

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 explanation
Consumer complaint received 2025-11-11 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: TX

Complaint narrative:
To whom it may concern, I am submitting this complaint regarding unauthorized accounts and inquiries being reported on my credit file! I have provided the credit bureaus with proper identification and supporting documentation proving these accounts are fraudulent. Despite this, the bureaus have failed to correct or delete the information within the time required by FCRA 611 ( a ) ( 1 ) ( A ). This is a direct violation of my rights under the fcra, which mandates prompt REINVESTIGATION and CORRECTION of any inaccurate or fraudulent information! Under FCRA 605B, fraudulent accounts and inquiries must be blocked and deleted within XXXX business days once evidence is submitted yet the bureaus have BLANTANTLY ignored my dispute entirely. This ongoing negligence and lack of response have caused severe emotional distress and damage to my creditworthiness. I am requesting immediate investigation, enforcement action, and full deletion of all unauthorized items from my credit report IMMEDIATLY!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: TX

Complaint narrative:
To whom it may concern, I am submitting this complaint regarding unauthorized accounts and inquiries being reported on my credit file! I have provided the credit bureaus with proper identification and supporting documentation proving these accounts are fraudulent. Despite this, the bureaus have failed to correct or delete the information within the time required by FCRA 611 ( a ) ( 1 ) ( A ). This is a direct violation of my rights under the fcra, which mandates prompt REINVESTIGATION and CORRECTION of any inaccurate or fraudulent information! Under FCRA 605B, fraudulent accounts and inquiries must be blocked and deleted within XXXX business days once evidence is submitted yet the bureaus have BLANTANTLY ignored my dispute entirely. This ongoing negligence and lack of response have caused severe emotional distress and damage to my creditworthiness. I am requesting immediate investigation, enforcement action, and full deletion of all unauthorized items from my credit report IMMEDIATLY!

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 2025-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
XXXX wont unfreeze my account even though I deposited the money that I owed them

Company response to consumer: Closed with explanation