vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-21 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: IN

Complaint narrative:
I take my credit seriously, just like anyone else, and the fact that there are still errors on my report is unacceptable. These inaccurate items are in pending litigation because of the way they were carelessly reported. Because they are in a pending litigation, you will not be able to verify what the disputed errors are and therefore these items need to be deleted under 15 U.S. Code 1681i ( a ). They have directly harmed my financial opportunities and taken a real toll on my mental health. My credit report should only reflect accurate information, which is why its important all data is verified. I expect my credit report to reflect only accurate, verified informationnothing less. This needs to be corrected immediately.

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 2025-05-21 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: Ocwen Financial Corporation
State: CA

Complaint narrative:
I am writing to formally dispute the 30-day late payments reported on my mortgage account and to request their immediate removal due to a series of servicer transitions and miscommunications during an approved hardship and loan modification process. 

On XX/XX/XXXX, I was granted a XXXX hardship forbearance by my then-servicer, XXXX XXXX, which was valid through XX/XX/XXXX. I also qualified for an additional two-month extension. However, in XX/XX/XXXX, my loan was sold to XXXX XXXX, who declined to continue the hardship assistance or offer any deferral options. 

I promptly applied for additional mortgage assistance. While my application was under review, I was explicitly informed there would be no negative impact to my credit during the review process. Unfortunately, despite this assurance, 30-day late payments were reported to the credit bureaus starting in early XXXX. 

XXXX XXXX later approved a 3-month trial modification, during which I made all required payments on time. After completing the trial, I was sent a permanent modification agreement to sign. However, before the modification was finalized, the loan was sold againthis time to PHH Servicing. The modification approval and related records were not properly transferred to PHH, forcing me to start the assistance process from scratch. 

Despite providing full documentation and contacting both the mortgage servicers and the credit bureaus, the erroneous late payments remain on my record. These derogatory marks do not reflect my payment history or intent. I have never been late on any other credit obligation, and I have acted in good faith throughout each step of this process. 

The reported lates are a direct result of loan servicer transfers, inconsistent communication, and administrative delays, not borrower negligence. I respectfully request that these late entries be removed from my credit file to accurately reflect my performance and integrity as a borrower.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: Duvera Billing Services, LLC
State: AZ

Complaint narrative:
Subject : Request for Verification and Correction of Personal Information under FCRA ( Section 609 ) Dear Easy Pay Finance Dispute Department, I am writing to formally request verification and clarification regarding the use of my personal information in connection with my recent credit application with your company. 
Specifically, I am concerned that my Social Security Number ( SSN ) has been used or accessed inappropriately in relation to an application where I provided my Employer Identification Number ( EIN ). I am requesting the following information under the Fair Credit Reporting Act ( FCRA ), Section 609 : A copy of all records relating to the inquiry, application, or account associated with my personal information, including any reports or data obtained using my SSN or EIN.

The specific purposes for which my SSN and/or EIN were used or accessed.

The name and contact information of the credit reporting agencies or entities that provided information to your company.

A detailed explanation of how my SSN was utilized during the application process, especially in relation to the EIN I provided. 
Please note that I am requesting this information to ensure my personal data has been used appropriately and in compliance with applicable laws. If any inaccuracies or unauthorized uses are identified, I request that they be corrected or removed from your records. 
Please respond to this request within the timeframe specified by the FCRA ( generally 30 days ). I also request that all correspondence be sent to my address listed above. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: Collection Management Holdings, LLC
State: LA

Complaint narrative:
I have confirmed that this alleged debt is the result of identity theft, and under the Fair Debt Collection Practices Act ( FDCPA ) 805 ( c ), I am requesting that all further communication regarding this debt cease immediately, and that this item be removed from any credit reporting agencies you have communicated with, as I am not legally responsible for the fraudulent activity associated with this account. 

XXXX XXXX BALANCED {$850.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: OH

Complaint narrative:
All my information and personal information was exposed in a data breach.

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 2025-05-21 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: OH

Complaint narrative:
All my information and personal information was exposed in a data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish any 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 seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-21 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: CA

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish any 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 seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-21 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: EQUIFAX, INC.
State: FL

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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: NY

Complaint narrative:
i found out there is fraudulant activity on my report i requested it be removed, after XXXX disputes nothing was done. please help. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I was an authorized user of a credit card. The Original card holder violated terms.

The experience went like this.

1. ) I had good/decent credit.

2. ) I was being physically harmed.

3. ) The Original card holder over spent the credit card list my multiple percentage points. In example ; 105 % over the limit.

4. ) Perfectly timed within a 3 week ( 21 days for me being physically abused ; resulting in close to XXXX XXXX XXXX ect. Due to not being able to access credit.

5. ) Original card holder had previous knowledge of the physical attack.

6. ) I notified the card holder via a phone call that I needed to be removed as authorized user.

7. ) Refer to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SUNRISE CREDIT SERVICES, INC
State: VA

Complaint narrative:
Subject : Dispute Regarding Harassing Emails, Incorrect Charges, and XXXX XXXX by XXXX XXXX XXXX XXXX XXXX XXXX Sunrise Credit Services XXXX Dear Consumer Financial Protection Bureau, I am writing to formally dispute the numerous emails I have been receiving from XXXX, which claim that my bill is overdue and include charges that are incorrect and unbelievable. I no longer have any active services with XXXX, yet I continue to be harassed with these emails demanding payment for services I do not use. 

Furthermore, XXXX has reported this disputed debt to a collection company, which has negatively affected my XXXX XXXX. This has caused me significant financial and emotional distress. 

I respectfully request your assistance in investigating this matter, correcting any erroneous charges, stopping the harassment, and addressing the wrongful credit reporting. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX ( Cell )

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 2025-05-21 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is XXXX XXXX XXXX involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 

Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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 ).

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 2025-05-21 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: FL

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: WA

Complaint narrative:
On XX/XX/year>, I've opened a XXXX XXXX XXXX XXXX account in the US Bank Branch in XXXX, Washington using a promotion advertised by the banker, XXXX XXXX XXXX. The promotion code was XXXX. The banked assured me that I was qualified for the promotion. I believe that I've met all of the terms, including depositing {$5000.00} within 30 days, maintaining the balance for 60 days after opening the account and completing 5 transactions. However, I have not received the {$500.00} bonus that was advertised to me for completing the above requirements. I've included a photo of the promotion that was advertised by the banker.

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 2025-05-21 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: CA

Complaint narrative:
This is a formal follow-up complaint regarding an outdated and unverifiable closed late payment being reported by TransUnion for XXXX under account number XXXX * * * *, dated XX/XX/year>, with a current balance and past due amount of {$0.00}. This account has long been closed, and there is no legitimate reason for TransUnion to continue displaying late payment history on a closed account that is nearly a decade old. This record is contributing nothing but harm to my creditworthiness, especially when there is no outstanding balance and no delinquent amount owed. I have previously submitted disputes and requested reinvestigation, yet TransUnion has failed to provide any meaningful verification from the original furnisher. 

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), TransUnion is required to conduct a full and reasonable reinvestigation of any disputed item. Additionally, as this item is well over seven years old and no longer reflects any active obligation, it may fall under 15 U.S.C. 1681c, which limits the length of time derogatory information may remain on a consumers file. Without current relevance or proper documentation from the furnisher, the continued reporting of this outdated late payment appears to be the result of negligent data management or potential file contamination stemming from a past data breach.

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 2025-05-21 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: IL

Complaint narrative:
I am writing to formally dispute a public record that has been erroneously or fraudulently associated with my name and personal information. I believe that this record is inaccurate and the result of identity theft or other fraudulent activity. After reviewing the details of this record, I am certain that I have not been involved in the circumstances listed. It appears that my identity has been used fraudulently. I have taken steps to address this issue with the relevant authorities and will be filing a 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 explanation
Consumer complaint received 2025-05-21 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: SC

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 2025-05-21 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: CA

Complaint narrative:
This is a follow-up complaint concerning multiple collection and charge-off accounts inaccurately reported on my TransUnion credit report. The following accounts are in dispute : XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX  dated XX/XX/XXXX with a {$0.00} balance, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX with a {$0.00} balance, XXXX ( XXXX * * * * ) dated XX/XX/XXXX with a reported balance of {$100.00}, XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX  dated XX/XX/XXXX with a {$0.00} balance, XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  dated XX/XX/XXXX with {$1800.00}. These items are either inaccurately reporting balances or are unverifiable based on current documentation. I have previously disputed these accounts with the credit bureaus and requested proper verification and original documentation, but instead received vague responses that do not satisfy the requirements of a thorough investigation under federal law. 

Under 15 U.S.C. 1681i, TransUnion is required to conduct a reasonable and complete reinvestigation of disputed items and must remove any data that is inaccurate, incomplete, or unverifiable. Furthermore, under 15 U.S.C. 1681c-2, information that can not be certified by the original creditor or is reporting a {$0.00} balance and is still listed as charged off should not remain on file. These inconsistencies can easily arise from data breaches or erroneous record-keeping, and it is the responsibility of the bureau to validate or remove them accordingly.

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