vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-09 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: MD

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$210.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$850.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$180.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$600.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$560.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$580.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$590.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$580.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$450.00} INQUIRIES : 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 2025-07-09 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: MI

Complaint narrative:
15 U.S. Code 1681i This is not my credit this is another XXXX XXXX get this off my credit or I will sue, I dont have credit with XXXX XXXX my number is XXXX my address is XXXX XXXX XXXX and my email is 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 2025-07-09 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: MI

Complaint narrative:
15 U.S. Code 1681i This is not my credit this is another XXXX XXXX get this off my credit or I will sue, I dont have credit with XXXX XXXX my number is XXXX my address is XXXX XXXX XXXX and my email is 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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
FTC Credit Report Dispute & Identity Theft Affidavit FTC Identity Theft Report & Statement of Credit Dispute Submitted by : Full Name : XXXX XXXX XXXX XXXX. 
Current Address : XXXX XXXX XXXX, XXXX, OH Phone Number : ( XXXX ) XXXX Email : XXXX Date of Birth : XX/XX/XXXXXXXX  Last 4 of XXXX : XXXX Reason for Report : I am submitting this affidavit to formally notify credit bureaus and creditors that the following information on my consumer credit report is inaccurate, incomplete, and/or unverifiable, in violation of the Fair Credit Reporting Act ( FCRA ). This information is severely harming my credit profile and is not supported by verified or complete data from the original creditors. 

Summary of Disputed Information : The following accounts are either : Reported without my consent or proper authorization Charged-off but can not be validated with original signed contracts Reported inaccurately with incomplete or outdated balance and status information Hard inquiries that were not authorized by me or made without permissible purpose Accounts/Items in Dispute : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$24000.00} Charged-Off 2. XXXX XXXX ( 3 accounts ) Various balances Charged-Off or Closed w/ Delinquency 3. XXXX XXXX XXXX XXXX  ( XXXX accounts ) {$23000.00} and {$35000.00} Charged-Off 4. XXXX XXXX Open with Past Due 5. XXXX XXXX XXXX XXXX {$3800.00} Past Due 6. XXXX XXXX XXXX XXXX, {$390.00} XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX. XXXX XXXX {$250.00} XXXX XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) {$160.00} Past Due Hard Inquiries in Dispute : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were not authorized by me, and I request their removal under FCRA 1681b. 

Requested Actions : I demand the following : A full reinvestigation of each disputed account under FCRA 611 ( a ) Permanent deletion of any item that can not be fully verified using original documentation Written confirmation of reinvestigation results Contact details for each furnisher of disputed information Affirmation : I affirm that the information provided in this affidavit is true and accurate to the best of my knowledge. I understand that knowingly submitting false information could subject me to legal penalties. 
Signature : XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: OH

Complaint narrative:
FTC Credit Report Dispute & Identity Theft Affidavit FTC Identity Theft Report & Statement of Credit Dispute Submitted by : Full Name : XXXX XXXX XXXX XXXX. 
Current Address : XXXX XXXX XXXX, XXXX, OH Phone Number : ( XXXX ) XXXX Email : XXXX Date of Birth : XX/XX/XXXXXXXX  Last 4 of XXXX : XXXX Reason for Report : I am submitting this affidavit to formally notify credit bureaus and creditors that the following information on my consumer credit report is inaccurate, incomplete, and/or unverifiable, in violation of the Fair Credit Reporting Act ( FCRA ). This information is severely harming my credit profile and is not supported by verified or complete data from the original creditors. 

Summary of Disputed Information : The following accounts are either : Reported without my consent or proper authorization Charged-off but can not be validated with original signed contracts Reported inaccurately with incomplete or outdated balance and status information Hard inquiries that were not authorized by me or made without permissible purpose Accounts/Items in Dispute : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$24000.00} Charged-Off 2. XXXX XXXX ( 3 accounts ) Various balances Charged-Off or Closed w/ Delinquency 3. XXXX XXXX XXXX XXXX  ( XXXX accounts ) {$23000.00} and {$35000.00} Charged-Off 4. XXXX XXXX Open with Past Due 5. XXXX XXXX XXXX XXXX {$3800.00} Past Due 6. XXXX XXXX XXXX XXXX, {$390.00} XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX. XXXX XXXX {$250.00} XXXX XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) {$160.00} Past Due Hard Inquiries in Dispute : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were not authorized by me, and I request their removal under FCRA 1681b. 

Requested Actions : I demand the following : A full reinvestigation of each disputed account under FCRA 611 ( a ) Permanent deletion of any item that can not be fully verified using original documentation Written confirmation of reinvestigation results Contact details for each furnisher of disputed information Affirmation : I affirm that the information provided in this affidavit is true and accurate to the best of my knowledge. I understand that knowingly submitting false information could subject me to legal penalties. 
Signature : 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 2025-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Im filing this complaint against JPMorgan Chase after falling victim to a sophisticated fraud scam involving a fraudulent check. Chase made funds from a check available in my account that was later determined to be fraudulent. Acting in good faith, I wired the funds, which I believed were cleared and verified, to the sender of the check. Three days later, Chase reversed the deposit after determining the check was fraudulent, leaving my account in the negative and resulting in a total financial loss. 

I submitted a claim to Chase, but it was denied with the explanation that the wire transfer was authorized. However, I am not disputing that I sent the wire. I am disputing Chases role in prematurely releasing funds from a fraudulent check. Had Chase followed a standard check-clearing process or held the funds until verification, I would never have had access to those funds, and the wire would not have occurred. 

This is not simply a case of wire fraud, it is a case where Chases internal procedures contributed directly to the financial loss. I am requesting a re-evaluation of this case with that context in mind, and for Chase to take accountability for the loss caused by their premature release of fraudulent funds. 

I would like Chase to refund the amount of the wire transfer that was enabled by the fraudulent check their system allowed to clear.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: TX

Complaint narrative:
My account with XXXX XXXX AND XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX  XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

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 2025-07-09 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: TX

Complaint narrative:
My account with XXXX XXXX AND XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX  XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX ( XXXX ) BALANCE {$3800.00} XXXX XXXX XXXX  ( XXXX ) BALANCE {$2300.00} Per section15 USC 1681 c-2, any accounts I did not authorize or sign a contract for must be removed off my credit report in 4 days! 

These accounts are not only damaging my credit but also causing me significant stress and XXXX. I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.

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 2025-07-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CBM Services, Inc.
State: MI

Complaint narrative:
My rights and identity was possibly violated due to HIPPA for a debt that was not owed by me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: CO

Complaint narrative:
I opened a new accout with PNC bank hoping to utilize it after the fiasco with XXXX, then I get a notice via snail mail dated XX/XX/year> that my check order was submitted and changed from shipping to my address to shipping to an address in Tennessee, so I contact the bank as was able to cancel that check order, and FYI, i did not order any checks. 
then on XX/XX/year>, I received another noticification dated XX/XX/year> via snail mail, that my check order was changed from the Tennessee address to a Kansas address. And because of this particular check order that I did not request, my account was suspended, pending an investigation. I never submitted any check order at all. 
I called the bank and closed the account that I had opened, and cut up the debit cards that were issued.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: OK

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 4 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 : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} INQUIRIES : XXXX 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 2025-07-09 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: TN

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 4 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 : XXXX XXXX Address : XXXX XXXX  XXXX XXXX XXXX TN XXXX INQUIRIES : XXXX XXXX  Date : XX/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 non-monetary relief
Consumer complaint received 2025-07-09 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: Possible Financial Inc
State: CA

Complaint narrative:
I am filing a formal complaint regarding a 30-day late payment reported by Possible Financial Inc. , tied to a loan that was ultimately paid in full and currently carries a {$0.00} balance. While the reported delinquency may technically reflect a delay, it fails to account for the full context, causes undue consumer harm, and contradicts Possibles publicly stated mission to help consumers rebuild credit. 

On XX/XX/XXXX and XX/XX/year>, I attempted to make my first payment through the Possible mobile app. Both transactions were returned due to insufficient fundsan issue caused by temporary financial hardship. Importantly, I initiated those payments within the 29-day grace period, and the app did not clearly warn that failed payment attempts might still result in a delinquency being reported. 

Despite my efforts, Possible reported the loan as 30 days past due, a mark that is now materially damaging my credit scoreeven though the account was paid in full shortly afterward and I have maintained a strong repayment history across multiple loans with the company. 

I requested a goodwill adjustment, but Possible denied the request, citing internal policy. I understand that the Fair Credit Reporting Act ( FCRA ) requires lenders to report accurate informationbut it does not prohibit goodwill removals of accurate yet contextually unfair information. Many lenders routinely make such adjustments when the borrowers intent, history, and final resolution warrant it. 

This feels unnecessarily punitive, especially for a lender that presents itself as a credit-building partner. Their refusal to make a reasonable exception in an edge case like this sends a troubling message. The apps interface also failed to adequately communicate that payment attempts with insufficient funds could still trigger permanent negative reporting. 

To make matters worse, my final payment was processed on XX/XX/year> at XXXXXXXX XXXX as confirmed by the attached receipt from Possible. That same day, the account was flagged as 30 days past due. This raises serious concerns about the timing and accuracy of their reporting. It appears the delinquency was either reported immediately before or even after the loan was fully resolved, which undermines their rationale and further supports my request for deletion under goodwill. 

I am asking that Possible reconsider and either : Remove the 30-day late mark as a one-time goodwill gesture ; or Reclassify the account as Paid as Agreed or Closed in Good Standing given that the full balance was paid and the impact of this single mark is disproportionately damaging.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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 ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief