vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and fairness of credit reporting. Also, in XXXX XXXXXXXX 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 explanation
Consumer complaint received 2025-10-02 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am disputing these inaccurate addresses from my credit file : 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

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 2025-10-02 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: AL

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

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXXXXXX XXXX XXXX- Account Number : XXXX, Date Opened : XXXX, Balance : {$1300.00} XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$970.00} XXXX  XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$550.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-10-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: TrueAccord Corp.
State: MA

Complaint narrative:
I sent certified debt validation letters to the original creditors disputing these accounts in XX/XX/year>. I have active disputes with the credit bureaus regarding these debts. 

True Accord contacted me on XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> & XX/XX/year> via email with settlement offers and payment demands before providing any validation documentation. 

Under the FDCPA, collectors must validate debts before collection attempts.

They contacted me to collect without first providing : - Original signed agreements- Itemized account statements - Proof of authorization to collect - Chain of custody documentation This violates 15 USC 1692g. I am requesting an investigation, and that Collection activity ceases until proper validation is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am formally disputing the following late payment notations on my open accounts. These remarks are inaccurate, misleading, and in direct violation of the Fair Credit Reporting Act ( FCRA ) 607 ( b ) and Metro 2 compliance standards. Reporting false derogatory notations on active accounts that are open and being paid as agreed is willful noncompliance. 

XXXX XXXX XXXX XXXXXXXX I am demanding immediate correction of this open account. The reported late payments are false, inconsistent across the bureaus, and violate Metro 2 and FCRA accuracy standards. I was never late, and your repeated failure to correct these errors after prior disputes shows willful noncompliance. You must permanently delete all negative late payment remarks and update this account to Pays as Agreed. Anything less is continued reporting of false information and a direct violation of my consumer rights. 

I have disputed these inaccuracies before, yet they remain. This is reckless disregard for consumer rights and demonstrates willful noncompliance. If these late notations are not permanently deleted and corrected within the statutory timeframe, I will escalate with formal complaints to the CFPB, FTC, and State Attorney General. 

I expect updated reports showing permanent deletion of all late remarks and accurate reporting within the time required by law.

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 2025-10-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: LoanCare, LLC
State: TX

Complaint narrative:
With Loan Care, we had a mortgage assistance program selected with the VA. This was affordable to our situation. As of XX/XX/year> without our knowledge, our loan servicer transferred our loan to XXXX XXXX XXXX  They did not send us any information or inform us that our assistance program was just ignored and not transferred. I tried contacting both loan servicers and they seem to not be of any help and are now requesting some outstanding balance that we can not afford. This was all done without communication or reaching out to us. We had our loan assistance program signed and also notarized. Loan Care did not abide to the terms and now we are in a difficult situation.

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 2025-10-02 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: MO

Complaint narrative:
I dont recognize this account and Im certain it doesnt belong to me.

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 2025-10-02 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: CA

Complaint narrative:
I am demanding immediate investigation and correction under the Fair Credit Reporting Act ( FCRA ) and Metro 2 reporting standards. You are currently reporting false, incomplete, and damaging information on my credit report. Your continued failure to ensure accuracy after prior disputes is willful noncompliance. I will not tolerate the ongoing publication of false data. 

XXXX XXXX This account is being reported in clear violation of the Fair Credit Reporting Act and Metro 2 standards. You continue to furnish derogatory data that is false, incomplete, and unverifiable. Your reporting shows charge-off and collection status at the same time, which is inconsistent and misleading. Under FCRA 1681s-2 and 15 USC 1692, you are prohibited from reporting inaccurate or duplicative information. This constitutes willful noncompliance and continued publication of damaging false data. I demand that you permanently delete this account from my credit report. Failure to correct this knowingly inaccurate reporting leaves you fully liable for violating my consumer rights. 

XXXX XXXXXXXX XX/XX/XXXX This inquiry is not mine. Permanently delete this from my credit report immediately. 

XXXX XX/XX/XXXX This inquiry is not mine. Permanently delete this from my credit report immediately. 

XXXX XX/XX/XXXX This inquiry is not mine. Permanently delete this from my credit report immediately. 

Incorrect Names XXXX XXXXXXXX, A This is inaccurate. Permanently delete this from my credit report immediately. 

XXXX XXXX XXXX This is inaccurate. Permanently delete this from my credit report immediately. 

XXXX XXXX This is inaccurate. Permanently delete this from my credit report immediately. 

XXXX XXXX This XXXX inaccurate. Permanently delete this from my credit report immediately. 

Incorrect XXXX XX/XX/XXXX This is inaccurate. Permanently delete this from my credit report immediately. 

Incorrect Addresses XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX This is inaccurate. Permanently delete this from my credit report immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This is inaccurate. Permanently delete this from my credit report immediately. 

XXXX XXXX XXXX, XXXX XXXX, CA, XXXX This is inaccurate. Permanently delete this from my credit report immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX This is inaccurate. Permanently delete this from my credit report immediately. 

Incorrect EmployerXXXX XXXX XXXX XXXX XXXX This is inaccurate. Permanently delete this from my credit report immediately. 

XXXX XXXX This is inaccurate. Permanently delete this from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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:
I am writing to formally follow up on my previous dispute filed regarding several inaccurate, outdated, and unverified accounts currently listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure the maximum possible accuracy of the information you report. 
Despite my initial request, the following accounts remain on my file without full verification or have continued to report inconsistently or erroneously, which violates my rights as a consumer. I have also attached a copy of my FTC report documenting the concerns related to these accounts. 
XXXX XXXX XXXX XXXX XXXX {$5300.00} XXXX XXXX XXXX {$0.00} - Late 60 Days ( no late showing in payment history ) XXXX XXXX XXXX {$24000.00} - not reporting in XXXX XXXX XXXX XXXX Original creditor : XXXX XXXXXXXX XXXX XXXX {$230.00} XXXX XXXXXXXX {$510.00} - not reporting on TransUnion and Equifax

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 2025-10-02 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: GA

Complaint narrative:
I am writing to formally follow up on my previous dispute filed regarding several inaccurate, outdated, and unverified accounts currently listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure the maximum possible accuracy of the information you report. 
Despite my initial request, the following accounts remain on my file without full verification or have continued to report inconsistently or erroneously, which violates my rights as a consumer. I have also attached a copy of my FTC report documenting the concerns related to these accounts. 
XXXX XXXX XXXX XXXX XXXX {$5300.00} XXXX XXXX XXXX {$0.00} - Late 60 Days ( no late showing in payment history ) XXXX XXXX XXXX {$24000.00} - not reporting in XXXX XXXX XXXX XXXX Original creditor : XXXX XXXXXXXX XXXX XXXX {$230.00} XXXX XXXXXXXX {$510.00} - not reporting on TransUnion and Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: TX

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

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/2025, Balance : {$2100.00}

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 2025-10-02 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: NV

Complaint narrative:
I am writing to advise that I am a XXXX XXXX XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX. 

ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$9300.00} INQUIRIES : XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: M&T BANK CORPORATION
State: GA

Complaint narrative:
Hello, We have our currently mortgage with M & T Bank. We had a hardship modification on our mortgage in XXXX which left us with a HUD lien of approximately XXXX. In XXXX we were approved for the XXXX XXXX XXXX XXXXXXXX and told that approximately XXXX would be applied to that HUD XXXX and the remaining applied to our XXXX M & T Bank mortgage payments. 

Ive contacted M & T Bank ( as well as emailed them ) and waited on the phone for a total of XXXX hours this week simply requesting the XXXX documentation and how it was allocated. They refused to let me speak with a supervisor and have NOT produced the requested documents. Please help us look into this and make sure our XXXX XXXX XXXX XXXXXXXX was applied appropriately. We are very concerned that neitheXXXX XXXX  nor M & T Bank have provided the information or proof we have requested. ( Originally requested 7 days ago ). 

Also, the original XXXX XXXX is still showing on our title. It is not showing the me updated amount or that the XXXX was ever applied. 

Please help.

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 2025-10-02 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: TN

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 2025-10-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TrueAccord Corp.
State: GA

Complaint narrative:
According to 15 usc 1681 I have the right to dispute inaccurate and unverifiable Information that's on my credit report. I disputed multiple times with credit bureaus and it's coming back as updated and verified without a proper investigation.The company failed to send me any of the information I requested even with my other complaint they never sent verification of debt, the ORIGINAL Contract bearing my signature & explanation of the amount and how it was calculated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  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.

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 2025-10-02 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: LA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

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 response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: 2288984 Ontario Inc.
State: IN

Complaint narrative:
A different company bought the Money Key account. Money Key should not be on my XXXX  report at all. I paid it with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX deleted theirs. They say Money Key should not be on there. The credit bureau didn't actually investigate it or they would have deleted it because it shouldn't be there. Please delete asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc.
State: NY

Complaint narrative:
Requested to have my service disconnected from XXXX on XX/XX/XXXX, they did not disconnect. Called again as I was moving out of state. Returned equipment physically to the XXXX store on XX/XX/XXXX ( rec 'd receipt of returned equipment ). Contacted XXXX for final bill XX/XX/XXXX and was told balance was XXXX with XXXX for equipment balance not being returned ; I provided receipt number and was told equipment would be credited. They were unable to give final bill, I provided new address. XX/XX/XXXX rec 'd final bill from XXXX for XXXX, stating equipment was not returned. XXXX once again said they would research and send me a final bill. I called XXXX XXXXhree more times. XX/XX/XXXX I received a credit alert that my credit had decreased XXXX points for a collection account. I called XXXX and stated I will not get off phone until resolved. XXXX miraculously found the equipment and gave me a verbal final bill for XXXX, leaving me with a XXXX balance. They assured me they would contact Eastern accounts system and have items removed as it was an error in XXXX business days. XX/XX/XXXX, I spoke with collection agency, item marked has been marked as paid, but they will not remove. I spoke with XXXX and they said they will submit a ticket to investigate, but it is my job to contact collection agency. I just keep going in circles.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation