vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-30 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: IL

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). 

This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-06-30 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
Since I received Experian 's verified information on XX/XX/year>, regarding the inaccurate reporting of late payments on my credit report, I have also received my report from Equifax regarding my student loans. Their investigation has resulted in " no late payments, historical account information has been modified and is currently reporting as paid as agreed ''. I am looking forward to Experian also updating the inaccurate information currently presented on my report, including the deletion of the late payments on my XXXX XXXX account. Equifax is not reporting any late payments on my XXXX XXXX accounts, and I have previously sent complaints regarding the inaccuracy of other derogatory information.

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 2025-06-30 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: FL

Complaint narrative:
This inquiry is not mine, and it's clearly fraudulent. I have no knowledge of these inquiries and request immediate action to address them. Please see the attached documents for reference.

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 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I disputed an account that's reporting inaccurate information and they just ignored me!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally dispute inaccurate information currently appearing on my credit report. The address listed on my file is incorrect and inaccurate.

This misinformation violates my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which exists to promote accuracy, fairness, and the privacy of personal information maintained by Credit Reporting Agencies ( CRAs ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: AZ

Complaint narrative:
XXXX transferred my mortgage to Mr Cooper. Since the transfer of mortgage payments Mr Cooper post my payments later in month causing me to have unnecessary late fees. Mr Cooper lost my XXXX payment. Mr Cooper sent my account to collection, I spoke to the lady explain I am not late the payment is missing. Since XX/XX/year>XXXX  Ive been trying to get this resolved they responded we will answer 7 days no response and they claim they need 30 days to investigate. Numerous phone calls, emails no reply.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I was unable to log into my USAA account. 
I contacted the security dept and uploaded my driver 's license as suggested. 
I waited 72 hours as suggested. I was still locked out of my account. I called again. 
They told me I could not speak to anyone who could provide me with any information. They told me they escalated the issue as the 72 hour window had passsed. 
The woman promised me I would receive a phone call from the escalation team. 
I tried to log in today, but had the same issue. 
I called again and was told I needed to re-submit my driver 's license. 
I did so while they were online to make sure they received it. 
No one could tell me if I can use my bank funds ; how much I have ; if there is any way to expedite proof of identity. 
This bank has been my bank for over 50 years. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX states. Identifying me should not be difficult for them. 
I offered to drive to the local XXXX office, but they told me that would not help. 
I am the adopted grandparent to XXXX children. We are due to go on our first vacation in 8 years. I can not go if I do not know how much money is in my accounts and if I have emergency money should my car break down or something else unplanned happens, I have been offered NO recourse or options to escalate this further, in spite of being willing to present myself to a manger of the local USAA Financial Center for document and personal inspection.

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 2025-06-30 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: AZ

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, AZ XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year>, Balance : {$9900.00}

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 2025-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Receiving calls from several different numbers but all the messages say to call back XXXX. Threatening to start a civil suit against me over a dept from XXXX  They say the suit is over {$6500.00} but will settle for {$900.00}. I have no idea what this is from. Repeated calls daily. Last one was this morning saying if i didn't call back they would start the civil suit. I have saved a few of the voicemails. When I XXXX  the XXXX number it is connected with spam/fraud. They have called me, my wife and my family daily.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: CBC Companies, Inc.
State: SC

Complaint narrative:
I have previously disputed with XXXX XXXX XXXX XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: GA

Complaint narrative:
They are reporting an inaccurate and incomplete account on my consumer report and won't fix or delete it, which is illegal!

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 2025-06-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
- In XXXX, I booked a trip with a travel agency using my TD Bank Visa credit card. 
- In the same year, due to COVID, my trip was cancelled. Travel agency refused a refund. - I called TD Bank in span of months to get my money back. I was given excuses over and over again and a " manager '' stated that the company provided a voucher/credit, therefore that counted as a refund.

- I have kept this voucher/credit for years due to inability to travel. The company extended the expiration several times to accommodate. 
- In XX/XX/XXXX, I attempted to use the voucher and contacted the company 3 times to book a trip. Company never responded. 
- In XXXX of XXXX, company filed bankruptcy and never notified me nor gave me information on what happens with my voucher/money - This situation dragged close to 4 years because TD Bank chose not to approve my dispute when I provided clear evidence when presented to the " head of complaints ''. - Now, I am here, 4 years later, about the same sum of money that was practically stolen from me. 
- During this time, TD Bank also cancelled my Visa credit card ( in which I used to book this trip 4 years ago ). This happened with NO warning nor notice. I don't know what to do now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: NY

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXX BANK - XX/XX/year> XXXX. XXXX OF XXXX - XX/XX/year> 2025

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 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I would like for my credit report to be able to see or download my credit report from Transunion, they said they have permanently locked my 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 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible. This situation has become a significant source of XXXX and I earnestly hope for a swift resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX CA XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$140.00} UPSTA/FINWSE - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$680.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX 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 2025-06-30 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: EQUIFAX, INC.
State: FL

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

1681c-2 ) that you, the Equifax Information Services , 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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ACCOUNTS XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$5200.00} XXXXXXXX XXXXXXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$710.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES XXXX XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: AZ

Complaint narrative:
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 non-monetary relief
Consumer complaint received 2025-06-30 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: AZ

Complaint narrative:
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 2025-06-30 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc
State: OH

Complaint narrative:
I moved out of a property, notified them properly. They stated that I did not notify them of the move out date even though there was a response from the email I sent to. I followed up asking how to settle my outstanding balance and the person wanted me to send money via XXXX. I contacted my leasing office to make sure the information was correct and they said not to pay because it was a fraudulent email and XXXX account. They told me they would contact me for payment then proceeded to send notice of the balance due to the address I just moved out of and to my parents address in another state who I dont speak to. Never my own home address. When contacting the debt collector back in XXXX I was unable to get through to them. I left voicemails to pay off my balance and never got a call back. I received an email on XX/XX/year> for a cheaper pay off amount, called to pay the debt and they are charging me the full amount. I tried to set up payment arrangements with a representative and was told that the amount was due in full. This company has been misleading, impossible to get a hold of and even harder to work with when it comes to setting up financial arrangements. The representative wasnt helpful instead he was rude and kept talking over every question I asked.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: CBC Companies, Inc.
State: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: WA

Complaint narrative:
I'm writing to dispute a fraudulent account that has been reported on my credit file. Let me be absolutely clear : I did not open this account, I did not authorize it, and it is the result of unauthorized or fraudulent use of my identity. 

This is identity theftplain and simple. I have no connection to this account, no knowledge of the application, and never gave anyone permission to use my personal information to open it. The presence of this account is not only false, but a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), which requires that all information in my credit report be accurate, verifiable, and reported with a permissible purpose. 

The continued reporting of this fraudulent account is causing serious damage to my credit standing and personal peace of mind. It is unacceptable that I should bear the consequences of someone elses criminal actions.

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