vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Dear XXXX XXXX  I am writing to formally dispute a late payment reported on my mortgage account for the month of XX/XX/year>. My Account Number : XXXX During XXXX, I was dealing with a serious medical condition XXXX  XXXX XXXX  ( XXXX XXXX ) which rendered me temporarily unable to work or manage my financial obligations. Due to this unforeseen medical hardship, I was unable to make my mortgage payment on time that month. 

This was an isolated incident, and I have since brought the account current. I have always made a strong effort to stay in good standing with my payments and remain committed to maintaining a positive payment history. 
Given the circumstances, I kindly request that you consider removing the late payment from my record as a gesture of goodwill. If necessary, I can provide medical documentation to support my claim. 

Thank you for your time and understanding. I would greatly appreciate your consideration of this request and look forward to your response. Please feel free to contact me at [ Your Phone Number ] or [ Your Email Address ] if you need any additional information. 
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 non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Dear XXXX XXXX  I am writing to formally dispute a late payment reported on my mortgage account for the month of XX/XX/2025. My Account XXXX : XXXX During XXXX, I was dealing with a serious medical condition XXXX  XXXX XXXX  ( XXXX XXXX ) which rendered me temporarily unable to work or manage my financial obligations. Due to this unforeseen medical hardship, I was unable to make my mortgage payment on time that month. 

This was an isolated incident, and I have since brought the account current. I have always made a strong effort to stay in good standing with my payments and remain committed to maintaining a positive payment history. 
Given the circumstances, I kindly request that you consider removing the late payment from my record as a gesture of goodwill. If necessary, I can provide medical documentation to support my claim. 

Thank you for your time and understanding. I would greatly appreciate your consideration of this request and look forward to your response. Please feel free to contact me at [ Your Phone Number ] or [ Your Email Address ] if you need any additional information. 
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 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Dear XXXX XXXX  I am writing to formally dispute a late payment reported on my mortgage account for the month of XX/XX/year>. My Account Number : XXXX During XXXX, I was dealing with a serious XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  which rendered me temporarily unable to work or manage my financial obligations. Due to this unforeseen medical hardship, I was unable to make my mortgage payment on time that month. 

This was an isolated incident, and I have since brought the account current. I have always made a strong effort to stay in good standing with my payments and remain committed to maintaining a positive payment history. 
Given the circumstances, I kindly request that you consider removing the late payment from my record as a gesture of goodwill. If necessary, I can provide medical documentation to support my claim. 

Thank you for your time and understanding. I would greatly appreciate your consideration of this request and look forward to your response. Please feel free to contact me at [ Your Phone Number ] or [ Your Email Address ] if you need any additional information. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-11 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: EQUIFAX, INC.
State: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the ChexSystem data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-09-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Exeter Finance, LLC.
State: NY

Complaint narrative:
I was involved with identity thief as my data and social security was breached in a data breach within XXXX  and I did not consent nor gave any authorization to have my data leaked and given out to ANY debt collectors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: FL

Complaint narrative:
Aldous & Associates stated they already sent proof '' on my previous case, and after their response, CFPB had unfortunately marked the prior case ( XXXX ) as closed. I have received no validation by mail or email. I sent a timely written dispute and validation request via certified mail ; under 15 U.S.C. 1692g ( b ) they must cease collection and not report until they mail validation. 

I fully request this complaint be reopened and that the collector be required to upload the alleged validation to the CFPB portal and mail a copy to my address as well. Until then, I request the CFPB instruct Aldous to ( 1 ) cease all collection, ( 2 ) confirm in writing that no credit reporting will occur, and ( 3 ) mark any existing tradeline as deleted or, at minimum, disputed. 

Summary of Issue : Good Afternoon, I am disputing an alleged debt related to a previous XXXX XXXX XXXX at their XXXX XXXX XXXX, a membership which was canceled due to me relocating to Arizona in XX/XX/year>, certainly more than five miles from any XXXX XXXX facility. Under both the membership agreement and Florida Statute 501.017 ( XXXX XXXX XXXX ), this relocation also provided valid grounds for cancellation. I provided notice of cancellation due to the move, and they have continually refused to halt billing me despite months of attempts to bring the billing to a halt and get them to acknowledge in writing that my membership had been cancelled. I have not used the gym or set foot in the facility for over seven months. Despite this, XXXX XXXX continued to assert a balance and eventually after I had blocked their transactions through my bank, they ultimately placed the account with Aldous & Associates, a third-party debt collector. 

Throughout this process, XXXX XXXX had called on countless occasions outside of allowable, legal hours ( even prior to XXXXXXXX XXXX XXXXXXXX, disrupting sleep - direct TCPA violations ). These calls continued even after several explicit and written no-call requests. 

After weeks of threats to take the account to collections and harm my credit score, XXXX XXXX finally turned to collections even though the debt is disputed and invalid under both state law and the contract. I have sent a written dispute to Aldous & Associates via certified mail as well as emailed them directly, and the matter remains unresolved. 

This situation involves both XXXX XXXX and Aldous & Associates ' failure to provide written validation of debt as required under applicable consumer protection statutes and what I also see now as Fair Credit Reporting Act ( FCRA ) violations I would also highly encourage the reviewing of their XXXX maps reviews, which include countless members that have been billed without authorization and also facing unethical and illegal billing practices and predatory threats with collection agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: EQUIFAX, INC.
State: KS

Complaint narrative:
I dispute the items below. Under FCRA 607 ( b ) and 611, you must conduct an independent reinvestigation ( XXXX ) and apply XXXX XXXX All months historically reported late are disputed. Provide documentary proofnot codes. 
XXXX ) XXXX XXXX XXXX Acct # XXXX What XXXX  shows : Payment Status : Charge-off, while the Extended Payment History shows OK month-over-month ; Comment : CONSUMER DISPUTES REINVESTIGATION IN PROGRESS. Date Last Active : XX/XX/XXXXXXXX  despite no payment since XX/XX/XXXX. 
Violations & Metro 2 breaches FCRA : 607 ( b ) ; 611 ( a ) ( 1 ) ( A ) ; 611 ( a ) ( 5 ) ( A ) ; 623 ( a ) ( 5 ) DOFD ; 605 ( a ) ( re-aging risk by advancing obsolescence anchor ).
Reg V 1022.42/.43.

Metro 2 : 17A/18 contradiction ( charge-off vs OK history ) ; 23 ( Original Charge-off Amount ) absent ; 25 ( DOFD ) absent ; 20 ( CCC ) must be XXXX  during dispute. 
Demand : Same four-point demand ( ledger proving due/receipt/posting ; DOFD ; Charge-off Amount ; 24-month Metro-2 export incl. XXXX ). If not independently verified, delete derogatory data or the entire tradeline under 611 ( a ) ( 5 ) ( A ). 
XXXX ) XXXX XXXX XXXX XXXXXXXX What XXXX  shows : Account Status : Indeterminate, Balance {$0.00} ; historical notes reflect refinanced/closed. 
Violations & Metro 2 breaches FCRA 607 ( b ) ; Reg V 1022.42.

Metro 2 : 17A must show Closed/Refinanced ( e.g., 13 or correct transfer code ) with proper 17B pairing ; 19 comment can not override an incorrect 17A.

Demand : Correct 17A/17B/19 or delete if unverifiable. All months disputed ; provide ledger for any alleged lates. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX What XXXX  shows : Open Account ( not Revolving ) with no stated limit ; reported as Open/Current.

Violations & Metro 2 breaches FCRA 607 ( b ) ; Reg V 1022.42.

Metro 2 : Portfolio/Account Type must be Revolving ( secured card ) ; 22 Credit Limit must reflect the actual line ; align 17A/18 accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I contacted Chase Bank on XX/XX/XXXX after reviewing my statement from the previous month, to report that I noticed I had unauthorized charges from the same company, XXXX. XXXX amount on XX/XX/XXXX for {$370.00} and another from XXXX for {$210.00}. I explained to Chase that I lost my belongings that month for about a week. When I retraced my steps, I found my purse and wallet in XXXX 's customer service lost and found. At the time, I didn't notice that my cards had been compromised, since everything was there. 

I filed a claim. My claim was denied because Chase stated that a PIN/chip was used. I explained that at this particular store, when prompted, you can bypass the PIN. Chase told me to submit a police report. I submitted the report after the claim was closed, and they are saying they will still not refund me for the unauthorized purchase. I am getting the runaround for a purchase that I know I did not make since I was not in possession of the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Can't access my credit report through Transunion. Apparently my account was flagged and I'm not told why. I need access my account. I cant unfreeze my credit if I needed to, or anything?

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 2025-09-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Transform Credit Inc.
State: MO

Complaint narrative:
This company contacted me because XXXX  XXXX. credit reporting agencies shared my credit rating and score with them on XXXX at XXXX, Rep : XXXX XXXX XXXX, under coercion and duress pressured me into excepting a loan for XXXX XXXX after receiving my social security number, birthdate, and autograph/signature, I informed them that upon receipt of this vital information in Pursuance to TITLE 18 U.S.C. 8, this is a consumer credit transaction in access of 1 , that at this point the company can not Deny me, u must credit the credit 's to my account at XXXX $ XXXX, routing numberXXXX Account XXXX, Bank name : XXXX XXXX, ( TITLE 15 U.S.C. 1666 ( d. ) and they refused to be in compliance with CONGRESSIONAL LAW 'S of Banking and ( TRUTH IN LENDING LAW 'S ) this company has my vital information sharing it and saling it to other corporations, there calling my cell all day long, even when asking them to stop,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Corp Solutions Inc.
State: GA

Complaint narrative:
I am writing to dispute the above account. I am a victim of identity theft and the alleged debt reported by Credit Corp Solutions INC is not mine. I previously reported this identity theft to the Federal Trade Commission and filed an identity theft report/police report. I request that you immediately block and remove this fraudulent information from my consumer file and all consumer reports you furnish to third parties.


Legal basis and demand : Under the Fair Credit Reporting Act, Section 605B ( 15 U.S.C. 1681c-2 ), a consumer reporting agency must block information that the consumer identifies as resulting from alleged identity theft not later than 4 business days after receipt of appropriate proof and a copy of an identity theft report. I hereby request that you block this fraudulent account under 15 U.S.C. 1681c-2 and remove it from my credit report.

Legal Information Institute +1 If you are a furnisher ( e.g., Credit Corp Solutions INC ), please note your duties under 15 U.S.C. 1681s-2 to investigate and correct any information you furnish to consumer reporting agencies when notified of a dispute and identity theft. Failure to investigate and/or continuing to report fraudulent information may violate your obligations under the FCRA.

Consumer Financial Protecti

on Bureau +1 In addition, consumer reporting agencies are required to conduct a reasonable reinvestigation of disputed information under 15 U.S.C. 1681i. I dispute the accuracy and request immediate deletion/blocking of the item and confirmation of such action. FindLaw Codes

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I am submitting this follow-up complaint regarding fraudulent information on my credit report that remains unresolved, despite my previous complaint filed 30 days ago. I am disputing this information pursuant to 15 U.S.C. 1681c-2 and again request that the fraudulent/unauthorized accounts listed below be blocked or removed immediately. 

I have attached a copy of my Identity Theft Report issued by the FTC ( FTC REPORT NUMBER : XXXX ) as evidence of my claim. 

Under 15 U.S.C. 1681c-2, credit reporting agencies are required to block any information identified by the consumer as fraudulent within XXXX ( XXXX ) business days of receiving an identity theft report. However, despite my prior complaint and multiple attempts to resolve this issue directly with EQUIFAX, the following fraudulent accounts remain on my credit report : Unknown - XXXX These accounts are fraudulent and must be blocked immediately. The continued presence of these accounts is severely damaging my creditworthiness and is preventing me from purchasing a home and accessing essential financial services to support my family and economic stability. 

I have requested verification and copies of contracts related to these accounts from the reporting company, but after more than 60 days, I have received no response. Additionally, these accounts have been removed by other credit reporting agencies due to lack of verification, yet EQUIFAX continues to report them as mine without proper validation. 

I respectfully urge the CFPB to intervene and ensure that EQUIFAX complies with federal law by blocking these fraudulent accounts immediately and providing me with confirmationofsuchaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: TX

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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