vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-04 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: KY

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the account is mandated. Kindly review the listed account below that requires correction : 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 2025-08-04 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 submitting a formal follow up complaint on a previous dispute concerning inaccurate and unauthorized items listed on my credit report. Despite my earlier request, I have not received sufficient validation of the alleged debt in question Based on my review, I have reason to believe that the reported balance may be incorrect and that the item may have been reported without proper authorization or documentation. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting a full investigation into this account.XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$2200.00} XXXX XXXX XXXX Balance Owed 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 explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I moved into my apartment and part of the special was {$2000.00} amex reward gift card. I literally can not use the card anywhere online or in store. I called amex to see what I can do and they said use it online with a merchant who does not ask for a zip code and thats impossible. Anytime you make a purchase online you have to enter a billing address but because its a reward gift card a name and address isnt attached to the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Corp Solutions Inc.
State: FL

Complaint narrative:
This company must remove all collections against my credit reports immediately. My dispute is based upon the Federal Trade Commission guidelines pertaining to either debt collections as a third-party, or debt buyers in general. The rules are as follows : A debt collector/buyer must be bonded and licensed by the XXXX XXXX  XXXX XXXX XXXX 
The debt must be legally collectible within the states jurisdiction where the creditor resides. 
Creditors must be given copies of debt collector/buyer license, bonding number with insurance carrier name and address, a copy of any assignment to collect on original creditors behalf, and/or copies on ant ownership transfer with true copy certification. 
A debt purchase must have an assignment number and be registered with the XXXX XXXX  XXXX XXXX. 
Any debt not within these guidelines must be deleted from a consumers credit report with prejudice.

This company has posted one or more outdated collection against my credit report. It looks like the account was over XXXX XXXX XXXX, and the information was acquired through a debt pooling service. The collections must be deleted permanently!!! 
Debt Buyers obtain assignments of uncollected debts in bulk, without individual purchase agreements, which is a violation of requirements with the NMLS, and in most cases can not be valued as true ownership under CPLR.

Accordingly, this debt buyer must prove these requirements or delete any collection on all pertinent credit reports, i.e. XXXX XXXX, and XXXX XXXX respectively. 
PLEASE DELETE THIS COLLECTION PERMANENTLY!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am filing this complaint because Regions Mortgage failed to comply with federal escrow requirements during both the purchase and refinance of my newly constructed home despite having full access to tax-relevant information. 

I purchased a new construction home in XX/XX/XXXX and refinanced with Regions in XX/XX/XXXX. At both closings, Regions based my property tax escrow on unimproved land values approximately $ XXXX even though : The home was fully constructed and appraised at over {$810000.00}, The certificate of occupancy had been issued, and the purchase price was clearly disclosed in the mortgage documents. 

Regions Mortgage, as a federally regulated lender, knew or should have known that under XXXX XXXX law, the property would be reassessed at full market value shortly after closing. This reassessment was not hypothetical it was legally required and procedurally guaranteed. 

Despite this, Regions : Failed to base escrow on the actual value of the home, Used known-deficient tax estimates again during the refinance, reducing my escrow from $ XXXX to just $ XXXX after the home had already been occupied and appraised, and provided disclosures that were misleading by omission, violating both the Real Estate Settlement Procedures Act ( RESPA ) and the Truth in Lending Act ( TILA ) In XX/XX/XXXX, the full property tax bill of {$15000.00} was issued. Regions disbursed the amount but had not collected adequate escrow, resulting in a shortage exceeding {$18000.00}. My monthly payment spiked from {$4500.00} to {$6900.00} a catastrophic increase of over $ XXXX, delivered with little warning. 

Regions has since claimed they provided standard disclosures stating taxes may increase. However, that boilerplate language does not meet their legal obligation to provide a reasonable, good faith estimate based on readily available and material facts. 

As a borrower, I had no way of predicting the magnitude of the reassessment. Regions, on the other hand, had access to : The appraised value of the improved property , county millage rates and closing documentation confirming full buildout and occupancy Their failure to incorporate this information into escrow calculations constitutes negligent misrepresentation and violates : RESPA ( 12 CFR 1024.17 ( c ) ( 2 ) ) TILA / Regulation Z ( 12 CFR 1026.17 ) This was not a one-off mistake it was a pattern of under-escrowing despite known and predictable tax liability. The same failure occurred twice : once at purchase, and again at refinance. 

This is a case of avoidable harm caused by lender negligence, not market forces. Had Regions exercised the level of care required under federal law, this situation would not have occurred.

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 monetary relief
Consumer complaint received 2025-08-04 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Equifax and XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an Student Loan {$4400.00} also a second XXXX XXXX XXXX XXXX on XX/XX/XXXX under the same account number XXXX, A student loan saying {$7900.00} another account opened at on XX/XX/XXXX under the account number XXXX ( private ), a personal account opened at XXXX and XXXX that appears related to the aforementioned personal loan account opened at XXXX with a balance of {$580.00} XXXX XXXX INQUIRY, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: NY

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These accounts and remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: MA

Complaint narrative:
I submitted a formal dispute to the credit bureau, including all documentation required under federal lawnamely, a valid Identity Theft Report, proof of identity, and a written request pursuant to FCRA 605Brequesting the timely removal of fraudulent information from my credit report. Despite full compliance with these statutory obligations, the bureau failed to block the disputed information within the four-business-day timeframe mandated by law. I respectfully urge the CFPB to investigate this clear violation of the Fair Credit Reporting Act and to take appropriate enforcement action to ensure the permanent removal of the fraudulent data. For your review, I have enclosed copies of my dispute letter and all supporting documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: LA

Complaint narrative:
I submitted a formal dispute to the credit bureau, including all documentation required under federal lawnamely, a valid Identity Theft Report, proof of identity, and a written request pursuant to FCRA 605Brequesting the timely removal of fraudulent information from my credit report. Despite full compliance with these statutory obligations, the bureau failed to block the disputed information within the four-business-day timeframe mandated by law. I respectfully urge the CFPB to investigate this clear violation of the Fair Credit Reporting Act and to take appropriate enforcement action to ensure the permanent removal of the fraudulent data. For your review, I have enclosed copies of my dispute letter and all supporting documentation.

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 2025-08-04 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 submitting this follow-up complaint pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq., concerning the continued reporting of inaccurate and unverified information by multiple furnishers, as well as the presence of unauthorized inquiries on my credit reports.

Specifically, the following charge-off accounts are being reported without proper verification or supporting documentation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$6100.00} XXXX XXXX XXXX XXXX  Balance : {$400.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$7500.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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 submitting this follow-up complaint pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq., concerning the continued reporting of inaccurate and unverified information by multiple furnishers, as well as the presence of unauthorized inquiries on my credit reports.

Specifically, the following charge-off accounts are being reported without proper verification or supporting documentation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$6100.00} XXXX XXXX XXXX XXXX  Balance : {$400.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$7500.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5900.00} XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-08-04 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:
To Whom It May Concern, I am submitting this formal complaint regarding multiple accounts listed on my TransUnion credit report that are either fraudulent, inaccurate, unverifiable, or outdated. I have provided TransUnion with a written dispute and supporting documentation, yet they have continued to report these accounts in violation of the Fair Credit Reporting Act ( FCRA ). 

Details of Disputed Accounts : XXXX XXXX XXXX XXXX ( Account Ending in XXXX ) Status : Charge-Off | Balance : {$6100.00} | Closed : XX/XX/XXXX Last Payment : XX/XX/XXXX Violation : FCRA 611 [ 15 U.S.C. 1681i ] Reporting unverifiable and outdated data XXXX XXXX XXXX  XXXX  ( Account Ending in XXXX ) Status : Charge-Off | Balance : {$290.00} | Closed : XX/XX/XXXX Last Payment : XX/XX/XXXX Violation : FCRA 623 [ 15 U.S.C. 1681s-2 ( b ) ] Incomplete and unverified reporting Credence Resource Management ( XXXX  Collection ) Opened : XX/XX/XXXX | Balance : {$1200.00} Violation : FDCPA 809 ( a ) & FCRA 611 Failure to validate or verify debt XXXX XXXX ( XXXX XXXX XXXX XXXX ) Opened : XX/XX/XXXX | Balance : {$400.00} Violation : FCRA 611 ( a ) ( 5 ) ( A ) No reinvestigation or removal per statutory requirement XXXXXXXX XXXX ( XXXX XXXX ) Opened : XX/XX/XXXX | Balance : {$59.00} Violation : FDCPA 809 ( b ) & FCRA 623 ( b ) Inaccurate and unverified collection account Violations and Noncompliance : Under FCRA 611 ( a ) ( 1 ) ( A ), TransUnion is legally obligated to conduct a timely and reasonable reinvestigation of any disputed accounts. If the data furnishers can not verify the account with full documentation, the items must be deleted from my credit file. 
Furthermore, continuing to report inaccurate or unverified data after being notified of a dispute constitutes willful noncompliance under FCRA 616 and subjects the bureau to civil liability under 617.

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 2025-08-04 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: IL

Complaint narrative:
I am submitting this formal follow-up complaint regarding inaccurate and potentially unauthorized inquiries listed on my credit report, which I believe may be in violation of the Fair Credit Reporting Act ( FCRA ). Despite prior dispute efforts, the inquiries in question remain uncorrected or improperly reported.

I am specifically disputing multiple inquiries that appear to be inaccurately listed or contain incorrect information. These entries may lack proper authorization or do not reflect accurate data, and I am requesting a thorough review and correction. 
Below are the details of the inquiries in question : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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:
I am submitting this formal follow-up complaint regarding inaccurate and potentially unauthorized inquiries listed on my credit report, which I believe may be in violation of the Fair Credit Reporting Act ( FCRA ). Despite prior dispute efforts, the inquiries in question remain uncorrected or improperly reported.

I am specifically disputing multiple inquiries that appear to be inaccurately listed or contain incorrect information. These entries may lack proper authorization or do not reflect accurate data, and I am requesting a thorough review and correction. 
Below are the details of the inquiries in question : 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 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 explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
i was in the mall & was told by an associate that i was signing up for a store card. and during the process i had to enter my SSN, which threw me off because i didnt know i had to provide all that for a store card. then shortly after i left i got a notification from my credit bureau stating that i had an hard inquiry on my account & credit report & when i looked it was from XXXX XXXX. i wanted to file a dispute to clear this off my account because i don't want this to effect my credit score at all.

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 2025-08-04 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: IL

Complaint narrative:
I am submitting a formal follow up complaint on a previous dispute concerning inaccurate and unauthorized items listed on my credit report. Despite my earlier request, I have not received sufficient validation of the alleged debt in question Based on my review, I have reason to believe that the reported balance may be incorrect and that the item may have been reported without proper authorization or documentation. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting a full investigation into this account.XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$2200.00} XXXX XXXX XXXX Balance Owed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief