vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am requesting a review and correction of the following items on my TransUnion credit report. These accounts and inquiries are not accurate and need to be addressed. 

CHARGED OFF : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$31000.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$440.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2900.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-12-03 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: TN

Complaint narrative:
I am filing this complaint because [ XXXX  / Equifax / XXXX  ] has willfully ignored its duties under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Despite my disputes, the bureau failed to conduct a proper reinvestigation within 30 days, did not delete unverifiable information, and has not provided results. This violates 1681i and 1681e ( b ). Courts have made it clear that consumers can not be left with inaccurate credit reports : in XXXX XXXX XXXX XXXX ( XXXX ), the court held inaccuracies must be corrected whether factual or legal ; in XXXX ( XXXX ), the Supreme Court reaffirmed broad FCRA liability ; and in XXXXXXXX XXXX XXXX ( XXXX ), TransUnion paid {$23.00} XXXX after mishandling consumer disputes. Because of these violations, my credit profile is inaccurate, my access to fair credit has been harmed, and my financial reputation has been damaged. 

Accounts to Be Deleted : CHARGE OFF : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: RoundPoint Mortgage Servicing LLC
State: MA

Complaint narrative:
Round Point Mortgage is charging me {$340.00} each quarter for Hazard Insurance. I have had the same master insurance since XXXX. I have verified that my master insurance is active. Roundpoint has verified this insurance in the past. A previous Mortgage insurance company played this scam on me before. I can send the documents as part of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have reviewed my credit report with TransUnion and found discrepancies that I am disputing. These items need to be reviewed and corrected. 

CHARGED OFF : No charged off accounts in dispute for TransUnion. 

INQUIRIES : XXXX XXXX  Date : XX/XX/year> LATE PAYMENT : XXXX Account Number : 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 2025-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP
State: CA

Complaint narrative:
I have a client trust checking account ending at XXXX at USBank. There were 9 unauthorized charges and I found out within a few days and reported the fraud. I was promised I will get full refund on all illegal charges and I only received refunds on 6 charges. Bank has not done any investigation and requesting me get the refund. All these unauthorized charges were discovered less the 15 days and should been refunded to me immediately as promised by the supervisors.

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 2025-12-03 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: FL

Complaint narrative:
I am writing to file an official dispute regarding several fraudulent accounts and collections that appear on my credit reports. I am a verified victim of identity theft, and I have already completed and submitted an FTC Identity Theft Report ( Report Number : XXXX, signed on XX/XX/XXXXXXXX  ). A copy is included for your reference. 
Below are the accounts involved in the identity theft : XXXX XXXX XXXX XXXX XXXX : Fraudulent Insurance Collection Fraud began : XX/XX/XXXXXXXX  Discovered : XX/XX/XXXXXXXX  Amount : {$360.00} XXXX XXXX XXXX Account Number : XXXX Fraud began : XX/XX/XXXXXXXX  Amount : {$730.00} XXXX XXXX XXXX XXXX  Account Number : XXXX Fraud began : XX/XX/XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Fraud began : XX/XX/XXXXXXXX  i always have this problem, because somenone has same name like me, and banks always confusing my accounts. I also lost my social security, so i just renewed an got my new social security card These accounts do not belong to me, and I never applied for, opened, or signed any contracts with these companies. I am requesting that the CFPB investigate these matters and require the relevant creditors and credit reporting agencies to remove these fraudulent items from my file. Additionally, fraudulent personal information and a false previous address XXXX XXXX XXXX XXXX, XXXX, FL XXXX have appeared on my credit report, which I am also disputing as part of this identity theft case.

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 2025-12-03 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:
I am writing to file an official dispute regarding several fraudulent accounts and collections that appear on my credit reports. I am a verified victim of identity theft, and I have already completed and submitted an FTC Identity Theft Report ( Report Number : XXXX, signed on XX/XX/XXXX ). A copy is included for your reference. 
Below are the accounts involved in the identity theft : XXXX XXXX XXXX Company Type : XXXX XXXX XXXX XXXX  began : XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Amount : {$360.00} XXXX XXXX XXXX Account Number : XXXX Fraud began : XX/XX/XXXX Amount : {$730.00} XXXX XXXX XXXX XXXX  Account Number : XXXX Fraud began : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX Fraud began : XX/XX/XXXX i always have this problem, because somenone has same name like me, and banks always confusing my accounts. I also lost my social security, so i just renewed an got my new social security card These accounts do not belong to me, and I never applied for, opened, or signed any contracts with these companies. I am requesting that the CFPB investigate these matters and require the relevant creditors and credit reporting agencies to remove these fraudulent items from my file. Additionally, fraudulent personal information and a false previous address XXXX XXXX XXXX XXXX, XXXX, FL XXXX have appeared on my credit report, which I am also disputing as part of this identity theft case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: PA

Complaint narrative:
I am filing a complaint regarding incorrect information being reported on my credit report. The creditor is reporting inaccurate data that does not reflect the true status of the account. The account shows [ charge-off / past due / collection / closed ] even though the balance is {$0.00} and the account should not be marked as negative. 

I have already contacted the credit bureaus and the furnisher, but the information remains incorrect. This inaccurate reporting is harming my credit profile

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 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CL Holdings LLC
State: IL

Complaint narrative:
I am writing to dispute the following collection account appearing on my credit file. The debt collector associated with this account has engaged in unlawful communication practices in violation of the Fair Debt Collection Practices Act ( FDCPA ). Because the collector violated federal law, the accuracy and legitimacy of this account are now in question, and I am requesting an immediate investigation and removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Paramount GR Holdings, LLC
State: FL

Complaint narrative:
I am filing a complaint regarding the severe and unlawful credit reporting violations committed by GoodLeap regarding my closed loan account.

GoodLeap reported this account as closed and charged off on XX/XX/year>, with a highest balance of {$44000.00}. After closing and charging off the account, GoodLeap continued to : XXXX. Increase the balance to {$45000.00}, exceeding the original loan amount. 
This is not legally permissible under the FCRA, FACTA, or Metro 2 reporting standards, as a charged-off account can not accrue new interest/fees without explicit contractual authorization. No such documentation has ever been provided. 
XXXX. Report additional late payments for months after the account was closed and charged off. 
A consumer can not be late on a closed, written-off account. This is a material inaccuracy and directly violates FCRA 607 ( b ) and 623 ( a ) ( 1 ) ( A ). 
XXXX. Report conflicting and contradictory status codes, including : Profit and Loss Write-Off, In Collections/Charge-off, 120+ days late, even though the account was closed. 
These statuses can not coexist and constitute misleading and inaccurate reporting. 
XXXX. Report a past-due amount and delinquency structure that is inconsistent with the payment history, closure date, and original loan terms. 
No accounting, itemization, or legal justification has been provided to explain these discrepancies. 

Because of these issues, the GoodLeap tradeline contains systemic inaccuracies, contractual inconsistencies, and reporting violations that can not be corrected without reconstructing the entire account historysomething the furnisher has already failed to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: GA

Complaint narrative:
Dear Sir/Madam, I am a consumer who is actively working to repair my credit. Below are the details of the accounts I am disputing. I respectfully request that these issues be investigated and resolved according to the Fair Credit Reporting Act ( FCRA ). 

CHARGED OFF XXXX XXXX XXXX XXXXXX/XX/XXXX, {$0.00} XXXX XXXX XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX, XX/XX/XXXX, {$18000.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$18000.00} XXXX XXXX  XXXX, XX/XX/XXXX, {$11000.00} XXXX XXXX XXXX, XX/XX/XXXX, {$31000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$29000.00XXXX XXXX XXXX XXXX XXXX {$7500.00}

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 2025-12-03 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: PA

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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:
I am disputing the following charged-off accounts on my TransUnion credit report : XXXX XXXX  XXXX Account No. XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX  Account No. XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$6500.00} XXXX - Account No. XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$4200.00} Inquiries : I am disputing the following inquiry on my TransUnion credit report : XXXX 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 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
Synchrony Bank is reporting my closed, charged-off XXXX XXXX account with a balance and past-due amount, which is misleading because charged-off accounts must not reflect ongoing past-due balances. My disputes were verified without ensuring completeness and accuracy.

Violations : FCRA 1681s-2 ( a ) FCRA 1681s-2 ( b ) CFPB Regulation V 1022.41 & 1022.42 This inaccurate reporting is preventing me from obtaining credit, including student loans and a vehicle loan, and is causing emotional distress and reputational harm. I request CFPB intervention to correct or delete this inaccurate reporting.

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 2025-12-03 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: CT

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 XXXX XXXX ] Account Number : [ XXXX XXXX XXXX XXXX XXXX  ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency. 
FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period.

Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: VA

Complaint narrative:
I am currently serving on active duty in the United States Armed Forces and recently discovered multiple inaccurate and adverse items reported on my credit file. These accounts were either opened or became delinquent before or during my active-duty service and were not properly adjusted in accordance with the Servicemembers Civil Relief Act ( SCRA ), specifically 50 U.S.C. 3937. Under this law, pre-service debts must be recalculated to a 6 % interest rate, and creditors are prohibited from reporting negative information or pursuing collections on unadjusted obligations. The continued reporting of these derogatory tradelines and collections is in violation of both the SCRA and the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief