vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-05 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: WI

Complaint narrative:
XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX. The following personal information is incorrect Account Number : Employers : XXXX XXXX  The following personal information is incorrect Account XXXX : Employers : XXXX XXXX XXXX Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

5. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate. 
XXXX XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate. 
XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

7. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting 100 accurate. 
XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 

XXXX. Under 15 USC 1666 B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

9. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting 100 accurate. 
XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

10. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXXXXXX XXXX XXXXXXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report.

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 2025-09-05 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: MD

Complaint narrative:
Due to a data breach, my TransUnion credit report may be incorrect. I formally state that the information on my account appears inaccurate and could be fraudulent. Please investigate and correct my file immediately. My personal info was compromised.

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 2025-09-05 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: TN

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 2025-09-05 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: TN

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 2025-09-05 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: NJ

Complaint narrative:
bXXXX XXXX\nXXXX\nXXXX XXXX XXXX XXXX XXXX XXXX\n \nTransUnion Consumer Solutions\XXXX XXXX XXXX XXXX XXXX\n\nSubject: Request to Block and Delete Fraudulent Accounts  Identity Theft Victim\n\nDear Transunion Consumer Services,\nI am writing to formally request the blocking and deletion of fraudulent accounts and information related to my identity under the Fair Credit Reporting Act (FCRA), specifically pursuant to 15 U.S.C.  1681c-2(a). I am a victim of identity theft because of the TransUnion data breach, and unauthorized accounts have been fraudulently opened in my name.\n\nThe fraudulent accounts that I have identified on my credit report are as follows:\n1.\XXXX XXXX \nXXXX XXXX XXXX \n\nINQUIRIES:\n1.XXXX XXXX XXXX XXXX XXXX\n2.\tXXXX XXXX XXXX XXXX\n\nUnder 15 U.S.C.  1681c-2(a), I request that Transunion promptly block and delete the fraudulent accounts from my credit file to prevent further harm to my credit profile.\n\nFurthermore, I request written confirmation that these accounts have been removed, as well as an updated copy of my credit report reflecting these changes.\n\nIf you require any further information or documentation to process this request, please contact me immediately at the phone number or email provided above.\n\nThank you for your prompt attention to this matter. I appreciate your cooperation in ensuring my credit report remains accurate and free from fraudulent activity.\n 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 2025-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC.
State: WI

Complaint narrative:
Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: AR

Complaint narrative:
I am disputing multiple inaccurate and unauthorized accounts and inquiries reported on my credit report. These include a collection account reported by XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ), a charge-off account reported by XXXX XXXX XXXX and numerous credit inquiries such as those from XXXX XXXXXXXX, XXXX XXXX, XXXX, XXXX, and others. I did not authorize, initiate, or benefit from any of these accounts or inquiries ( XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Despite disputing these items and providing evidence of identity theft, the furnishers and credit reporting agencies have failed to provide proper documentation verifying their accuracy or my authorization, in violation of the Fair Credit Reporting Act ( FCRA ) 611, 623, and 1681i. This has resulted in significant harm to my creditworthiness and caused me financial and emotional distress.

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 2025-09-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
Dear Portfolio Recovery XXXX XXXX XXXX I am formally disputing the accuracy, validity, and completeness of the above-referenced XXXX accounts from ORIGINAL CREDITOR XXXX XXXX, which has been reported to the credit bureaus and attributed to me. I have no verified relationship with your company or any other original company you listed, and was never provided proper notice of this alleged debt. 
Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), I demand full validation of this account. Specifically, I request the following documentation : * Original Credit Agreement ( if applicable, the contract I allegedly signed ) * Full Itemized Statement ( showing how the balance was calculated ) * Forward Flow Agreement ( proving debt transfer from original creditor ) * Chain of Title / Assignment Documents ( showing legal transfer of ownership ) * Complete Payment History Records ( verifying payments or delinquencies ) * Validation Notice ( per FDCPA 1692g ) * Notice of Default / Intent to Collect ( as required by law ) * Proof of Statute of Limitations ( confirming debt is legally collectible ) * Credit Reporting Agreement ( authorizing reporting to bureaus ) * Documentation of Prior Dispute Investigations ( per FCRA 1681i ) To date, I have not received these required documents. Instead, I have only been sent generic, automated responses which do not constitute lawful validation. Therefore, the account remains unverified. 
Continuing to report or collect on an unverifiable account violates FCRA 1681e ( b ), 1681s-2 ( b ) and FDCPA 1692g ( b ). Courts including XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX confirm that unverifiable or misleading data can not lawfully remain on a consumers credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 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: FIRST FINANCIAL BANKSHARES, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX, my account was charged a duplicate mortgage payment, just one day after the authorized payment was processed on XX/XX/XXXX. This error resulted in an overdraft of {$850.00} in my external funding account, causing significant financial disruption. 

I spoke with a representative from the bank, who acknowledged the error and assured me that the loan officeXXXX overseeing the loan would contact me or my spouse by the end of that day. Unfortunately, no follow-up communication was received. 

I then sent an email to the bank 's CEO to address the issue, and requested requesting fair and reasonable actions as steps toward resolution. I received an email response from the CEO - " I am so sorry that my team did not reach out in a timely manner yesterday with final resolution. I just got back in the office and need to do a little research and then will be happy to call you back later this afternoon. 
Talk to you soon. '' I then received a phone call from the CEO who said they can do XXXX or XXXX options for me : Option 1 - I contact my Credit Union do an ACH Recall for the duplicate or Option 2 - Email the CEO that I don't dispute the charge, in email provide the wire information and receive the funds faster. 


This duplicate charge is part of an ongoing pattern of servicing misconduct : In XX/XX/XXXX, during estate planning, the bank incorrectly advised that a full refinance was required to transfer my property into a revocable trust contradicting protections under the GarnSt. Germain Depository Institutions Act ( 12 U.S.C. 1701j-3 ( e ) ).

A Mortgage Banking Officer also made an inappropriate and legally questionable statement that if I filed bankruptcy, the bank would not be able to claim right to the land. 

Only after adding our estate attorney to the email via CC, did the bank reverse course on the refinance and propose an assumption agreement, contradicting its original demand. 

Together, these events demonstrate mismanagement, misleading guidance, and failure to provide reliable mortgage servicing. 



As of today, there has been no contact from the bank outside of the Non-Compliant Resolution Options

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: CA

Complaint narrative:
I have submitted multiple disputes to Experian regarding accounts I do not recognize, which appear to be the result of identity theft. I even created an official identity theft report and attached it to my disputes as supporting evidence. Despite this, Experian has failed to remove the fraudulent accounts and continues to report them on my credit file. To make matters worse, I already filed a complaint through the CFPB last XXXX, but to my surprise, nothing has been fixed. This shows Experians repeated failure to comply with the FCRA and to protect consumers from identity theft.

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 2025-09-05 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: MA

Complaint narrative:
I recently gained access to my credit report and seen some inaccurate items and information. These errors have caused me great financial distress and im demanding proof of documentation showing permission consent with signature. Please help me in removing deleting these fraudulent accounts off of my report : XXXX XXXX XXXX Date Opened : XX/XX/XXXX - {$0.00}, XXXX XXXX XXXX XXXX 
XXXX - Date Opened : XX/XX/XXXX - {$270.00}. 

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 2025-09-05 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: MA

Complaint narrative:
I recently gained access to my credit report and seen some inaccurate items and information. These errors have caused me great financial distress and im demanding proof of documentation showing permission consent with signature. Please help me in removing deleting these fraudulent accounts off of my report : XXXX XXXX XXXX Date Opened : XX/XX/XXXX - {$0.00}, XXXX XXXX XXXX XXXX 
XXXX - Date Opened : XX/XX/XXXX - {$270.00}. 

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 2025-09-05 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: NV

Complaint narrative:
I was the victim of a coordinated scam involving two individuals who manipulated me and ultimately gained unauthorized access to my phone and financial accounts. As a result, {$1300.00} was withdrawn via XXXX XXXX and linked to my Bank of America account, without my full knowledge or authorization. These individuals used social engineering tactics to mislead me and exploited access to my device while pretending to assist me. They took advantage of my trust, and I did not knowingly authorize the transactions that were processed. I reported the situation to both Bank of America and XXXX XXXX ( First Week of XX/XX/year> ) as soon as I realized what had happened. I explained that this was a case of unauthorized access, deception and use of my phone without my permission not a transaction I willingly initiated. Despite this, both institutions denied my dispute without properly considering the details or my rights under federal law. According to Regulation E ( 12 CFR 1005.2 ( m ) ), I am protected against unauthorized electronic fund transfers. The definition includes situations where someone gains access to your account or device without valid authorization, which applies here. The transactions were unauthorized and initiated through fraud. I am requesting that the CFPB assist in getting both companies to reopen my case, investigate thoroughly, and refund the stolen {$1300.00}. This situation has caused extreme financial hardship, and I followed all required steps in good faith. The repeated refusal from Bank of America to accept valid evidence and take back the provisional credit its unjustified. The only support the provide is the IP log in matches, which obviously would match due to my phone being accessed not by me, in my household.

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 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
We sent our payments at the end of XX/XX/year> for XXXX and unaware to us they didn't have the same schedule as our previous mortgage holder, they labeled the payment as late. Then we ended up sending them the XX/XX/year> payment of {$960.00}. the next payment of {$1600.00} was sent on XX/XX/year> to correct an error. They misapplied the XXXX payment and raised our monthly payment to {$1000.00} to cover the shortage again. No they keep reporting our account as XXXX days past due for payments that were made and received by them and we now have an outstanding amount of {$970.00} that we shouldn't owe if they had applied and recorded payments correctly. Now due the economy and health issues ( a lost job and XXXX day hospital stay ) that XXXX can not be paid on top of our regular payments, it needs to be forgiven, or attached to the end of the loan, so my credit score which was very good can return to its original status.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: SC

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