vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-13 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: TX

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce 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 2025-11-13 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: TX

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: MS

Complaint narrative:
I am submitting a follow-up complaint against Experian related to identity theft and failure to comply with the Fair Credit Reporting Act ( FCRA ). This issue stems from prior complaint # XXXX, which remains unresolved. 

Despite submitting multiple disputes and identity verification documentssuch as my drivers license, phone bill, police report, DOJ victim notification, and a sworn identity theft affidavitExperian has continued to : Report incorrect personal identifying information, including name and address variants that do not match my government-issued ID. 
Refuse to block identity theft-related items such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX in violation of FCRA 605B.

Reinsert removed information without notifying me or obtaining certification from the furnishers.

Reset dispute investigations with generic responses that misrepresent the process and timelines, in violation of FCRA 611 and 607 ( b ). 
Falsely claim that my submissions came from an unauthorized third partyI have never used a third party, and I personally signed all submissions and certified mailings. 

This inaccurate reporting has caused emotional distress, financial hardship, and sleepless nights due to lost opportunities, higher interest rates, and denial of credit based on false data.

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 2025-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
Concora Credt. I have XXXX cards with them, Milestone, destiny, and Indigo. All XXXX cards are on one access page. I received an email that my password had been changed, I went to log in and it had been changed which I did not do. I then tried the change password option and it said it was sending an email, which I did not receive. I called and said what what happened, and I said I need to update my password for access and they said I need to verify the new email address! I explained that I am unable able as they know the account is hacked and they said there was nothing I can do unless I can verify the email address. I then closed the cards and canceled my auto pay ( which they said my bank information would no longer be available after doing so ) because I asked about that. I requested all paperwork to be mailed and no digital anything. I have no access and refuse to pay anything until I see any activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: NC

Complaint narrative:
I am disputing the following charged-off accounts on my TransUnion credit report. These accounts are incorrectly reported and should be corrected or removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$3200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$38000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$170.00} CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$480.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} Inquiries : I am disputing the following inquiries on my TransUnion credit report. These inquiries are incorrect and should be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Late Payment : I am disputing the late payment reporting for the following accounts. The reported late payments are inaccurate and should be corrected or removed : 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 explanation
Consumer complaint received 2025-11-13 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: MD

Complaint narrative:
My credit report contains several inaccuracies that are negatively reporting, and affecting my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: MD

Complaint narrative:
My credit report contains several inaccuracies that are negatively reporting, and affecting my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: TN

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 2025-11-13 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: RI

Complaint narrative:
I am filing this complaint against Equifax because my credit report contains information that appears inaccurate, incomplete, or unverifiable. I have identified several accounts that are being reported as charged off or late, but I have not received any documentation from the original creditors confirming the accuracy of these items. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, which entitles me to a fair and thorough reinvestigation of disputed items. I request that Equifax verify these accounts directly with the furnishers and provide proof of the alleged delinquencies or charge-offs. If verification can not be completed within the legally required timeframe, I request immediate deletion or correction of the items in question. 

Charged Off Accounts XXXX XXXX XXXX Account : XXXX  Date : XX/XX/XXXX Amount : {$25.00} XXXX XXXX Account : XXXX Date : XX/XX/XXXX Amount : {$0.00} XXXX XXXX Account : XXXX Date : XX/XX/XXXX Amount : {$0.00} These charged-off accounts appear inaccurate or unverifiable. The reported dates and balances are inconsistent with my own records and the information reported to other credit bureaus. 

Late Payments XXXX  Account : XXXX XXXX  ( XXXX XXXX XXXX ) Account : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: 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 XXXX  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 non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
In reference to the XX/XX/year> Escrow Analysis, I am not in agreement with the newly assessed monthly {$820.00} monthly payment. 
The monthly mortgage payment should be less than {$820.00} based on the following data : XX/XX/XXXX : Escrow balance = {$2600.00} XX/XX/XXXX : Property Tax Paid = {$1400.00} XX/XX/XXXX : Escrow balance = {$1200.00} XX/XX/XXXX : Surplus calculated by Shellpoint = {$370.00} XX/XX/XXXX : Escrow balance = {$880.00} XX/XX/XXXX : Mortgage payment = {$830.00} XX/XX/XXXX : Escrow balance = {$1300.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: OR

Complaint narrative:
I am a consumer who is in the process of correcting the errors in my credit report and addressing inaccuracies with the credit bureaus. The following accounts are in dispute, and I request that they be reviewed for inaccuracies, incomplete reporting, or violations of the Fair Credit Reporting Act ( FCRA ). Below is the detailed information separated by each bureau. 

Charged Off Accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-11-13 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX  days. If they fail to do so, these items must be removed from my report. 

As more than XXXX  days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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:
My consumer file contains multiple accounts, inquiries, and records that are inaccurate, outdated, or unverifiable in violation of FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ). These inaccuracies have caused significant harm to my creditworthiness and its really frustrating.

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 2025-11-13 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:
My consumer file contains multiple accounts, inquiries, and records that are inaccurate, outdated, or unverifiable in violation of FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ). These inaccuracies have caused significant harm to my creditworthiness and its really frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: CA

Complaint narrative:
I have found these unverified items on my credit report and I'm asking for these items to be removed as it will affect my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: 21ST MORTGAGE CORP.
State: TX

Complaint narrative:
We are filing this complaint against 21st Mortgage Corporation for unreasonable withholding of insurance proceeds and mishandling of mortgage-related claim funds.

Our insurer ( 21st Century Insurance ) issued a check for {$8500.00} for water-damage repairs to flooring, subfloor decking, drywall, insulation, trim, and baseboards. These are non-structural finish materials. 21st Mortgage was listed as a payee, so we can not deposit the check without their endorsement.

We provided full documentation : photos, the adjusters estimate, and builder correspondence confirming pre-existing water intrusion that will compromise the new repairs if not fixed together. We requested authorization to perform the repairs ourselves ( homeowner-performed repair ) because the claim is far below their stated {$20000.00} XXXX threshold. 

On XXXX XXXX XXXX XXXX XXXXXXXX, XXXX representatives ( including a XXXX ) refused authorization, could not cite any mortgage or servicing clause requiring a licensed contractor, and stated they did not know what TDI was. They referenced only a generic Insurance Claim Requirements form that says a contractor may be requirednot must. 

We have complied with all reasonable requirements : Submitted all documentation. 
Offered to bring our loan current using part of the proceeds. 
Agreed to provide receipts and before/after photos.

Their continued withholding violates Texas Insurance Code 557.003, which requires funds be released in accordance with reasonable requirements. It also violates CFPB mortgage-servicing standards requiring proper handling of insurance proceeds. 

XXXX XXXX XXXX XXXX XXXX We request that CFPB investigate 21st Mortgages loss-draft handling practices and require them to : Release the {$8500.00} for homeowner-performed repair ; and Provide written policy justification for any future restrictions on non-structural claims. 

Attachments : Email chain with 21st Mortgage ( denial & escalation notice ) Their Insurance Claim Requirements form Adjusters estimate Photos of damage Builder correspondence ( Champion Homes ) Copy of insurance check ( both payees )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: MS

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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:
Per the results from the company. This account is deemed to be fraud please delete and update my credit profile. Delete XXXX XXXX XXXX account number XXXX. I have attached the dispute results and FTC 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 2025-11-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: January Technologies, Inc
State: TX

Complaint narrative:
If this debt was transferred or sold without my prior knowledge or consent, I consider this an unauthorized release of my personal information and a violation of my privacy rights. Any further attempt to collect or communicate without proper validation will be reported to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Texas Attorney Generals Office for investigation of potential FDCPA and data privacy violations. 

Please consider this a formal demand that you validate this debt in writing or cease all communication immediately. Any future contact not providing the requested validation will be viewed as harassment under the FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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 a consumer seeking to fix my credit and have identified several discrepancies and inaccurate information on my credit reports. I am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the disputed accounts and inquiries listed below. I request that the bureaus and creditors investigate and rectify these errors to ensure compliance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX XXXXXXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX 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 non-monetary relief