vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mortgage Research Center, LLC
State: WV

Complaint narrative:
We moved in/closed our home on XXXX XX/XX/year>. The home property disclosures said " AS is '' however the home is inhabitable due to mold and termite infestation which the reports claim it was free of. Since moving in the home we all got extremely sick and turns out my daughter is highly allergic ( verified by XXXX  ). My neighbor informed me that the house was full of black mold before we moved in and they had to take the house down to the studs to renovate/flip it. I hired a second home inspector to conduct a store count test. Ive attached the report. The mold is mostly in the basement but since we haven't been able to live there i am out of funds and not able to keep up with mortgage payments due to being displaced. So I am paying rent somewhere else bc the home is inhabitable and unsafe.

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 2025-07-10 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:
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX I do not have an account with this company. 


Loan Type COLLECTION AGENCY/ATTORNEY Date Updated XX/XX/XXXX High Balance {$700.00} Original Creditor XXXX XXXX  Past Due {$700.00} Account # XXXXXXXX XXXX XXXX XXXX XXXX Account Information Address XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type COLLECTION AGENCY/ATTORNEY Date Updated XX/XX/XXXX Payment Received XXXX High Balance {$680.00} Original Creditor XXXX XXXX  Past Due {$680.00} Pay Status >Collection< Date Closed XX/XX/XXXX Estimated month and year this item will be removed XX/XX/XXXX Remarks Account information disputed by consumer ( FCRA ) ; >PLACED FOR COLLECTION< I have no knowledge of this account these accounts and they are hurting my credit score and my ability to obtain new credit

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 2025-07-10 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: FL

Complaint narrative:
This account is incorrectly marked as delinquent. It should not be showing this status, as the information is inaccurate. I am requesting that it be disputed and updated to reflect no late payments

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I asked this company multiple times to delete this of my credit report because it wasnt reflecting the right name. This is the second time they added it back to my credit report up underneath I am XXXX explain them multiple times. My name is XXXX XXXX but they do not care. Follow multiple reports with the XXXX submitted them the application they still didnt delete it.

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 2025-07-10 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: TX

Complaint narrative:
I asked this company multiple times to delete this of my credit report because it wasnt reflecting the right name. This is the second time they added it back to my credit report up underneath I am XXXX explain them multiple times. My name is XXXX XXXX but they do not care. Follow multiple reports with the XXXX submitted them the application they still didnt delete it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc .

regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc .

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 explanation
Consumer complaint received 2025-07-10 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: TN

Complaint narrative:
I am demanding the permanent deletion of these accounts and all related derogatory information from my credit reports with Experian. The information being reported is inaccurate, incomplete, and violates my consumer rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). This furnisher has failed to provide adequate documentation that satisfies the verification and validation requirements under 15 U.S.C. 1681i, 1681s-2 ( b ), and 1692g. Continuing to report unverifiable or inconsistent data is a violation of federal law and exposes all parties involved to legal liability.

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 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
Product : Credit card Issue : Misleading advertising promotional offer not honored, poor customer service. 

What happened : On XX/XX/year>, I signed up for the XXXX XXXX American Express Card ( first year free, {$150.00} annual fee after ) through XXXX XXXX. The advertised promotion offered a {$500.00} statement credit plus XXXXXXXX XXXX after spending {$3000.00} in XXXX months. 

I applied through XXXX website while booking a {$510.00} XXXX flight. The offer showed an immediate {$500.00} credit reducing my flight cost to {$19.00}. 

After approval ( last XXXX digits : XXXX ), the {$500.00} credit never appeared, and my flight balance stayed at {$510.00}. 

Immediate action & cancellation attempt : On XX/XX/year>, I contacted both American Express and XXXX multiple times : Amex : Confirmed only the miles bonus, not the {$500.00} credit, and told me to check with XXXX. 

XXXX : Said the {$500.00} statement credit would appear on my Amex billing statement within 8 weeks after I pay. Could not produce written terms or clearly explain the process. Later told me to contact Amex again. 

On XX/XX/XXXX, I told XXXX I wanted to cancel both the flight and the card, calling this situation a scam. The XXXX agent said they could only cancel the flight ( subject to cancellation fees ) and issue a credit for future flights. They said only American Express can cancel the credit card. 

I told XXXX I would contact Amex again before cancelling the flight. Amex again told me the {$500.00} promotion is managed by XXXX, refusing to resolve or cancel. This back-and-forth confirms neither company accepts responsibility. 

Key evidence : Amex chat ( XX/XX/year> ) : Immediate inquiry about missing {$500.00} credit, told only miles offer applies. Directed to XXXX. 

Delta chat ( XX/XX/year> ) : Explained credit timeline, then shifted responsibility to Amex. 

Cancellation request documented with XXXX, refusal to cancel card or acknowledge {$500.00} credit responsibility. 

Screenshots of the original {$500.00} credit offer on XXXX website. 

Supporting documents : Amex and XXXX chat transcripts showing conflicting info and blame-shifting. 

Screenshots of the {$500.00} credit offer from XXXX website. 

Flight booking confirmation and payment records. 

Other details : XXXX XXXX Number : XXXX Amex Card : XXXX XXXX American Express Card ( last XXXX digits : XXXX ) Date applied : XX/XX/year> Offer shown : {$500.00} statement credit + XXXX miles after {$3000.00} spending Actual offer on file : only XXXX miles bonus

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: NC

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-07-10 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: GA

Complaint narrative:
This message is being submitted with firm intent and growing concern. My credit report contains numerous discrepancies that have gone unresolved for far too long. These inaccuracies have caused serious setbacks in my financial progress and continue to obstruct my ability to move forward with stability.

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 2025-07-10 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: GA

Complaint narrative:
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 30 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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-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 2025-07-10 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: GA

Complaint narrative:
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 30 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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  - XXXX XXXX  - XXXX XXXX - XXXX XXXX  XXXX - XXXX XXXX XXXX XXXX  - XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX List of Unauthorized Inquiries : 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 a 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 if 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 2025-07-10 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: SC

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-07-10 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:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: MI

Complaint narrative:
I am submitting this complaint due to multiple accounts on my credit reports that are showing inconsistent and inaccurate information, which may violate the Fair Credit Reporting Act ( FCRA ). The FCRA requires all data reported to credit bureaus to be factual, complete, and up to date, as outlined in 607 ( b ) [ 15 U.S.C. 1681e ( b ) ]. Below are the accounts in question : 1. XXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX Balance Reported : {$1100.00} Issue : The account is only being reported by Equifax and lacks critical details such as monthly terms and account status. Additionally, the balance and date entries appear inaccurate, and theres no confirmation on whether the original creditor still owns the debt. 
Requested Action : Please verify all account details and confirm current ownership, per FCRA 623 [ 15 U.S.C. 1681s-2 ]. 

XXXX XXXX XXXX XXXX Account Number : XXXX Issue : This account reflects varying last activity XXXX on XXXX report and XX/XX/year> on another. Additionally, the way this account is being reported post-bankruptcy is inconsistent.

Requested Action : I am requesting a reinvestigation in compliance with FCRA 611 [ 15 U.S.C. 1681i ], including an explanation of the method of verification used. 

XXXX. XXXX XXXX Account Number : XXXX Issue : TransUnion shows a {$160.00} balance while Equifax reflects {$0.00}. Payment dates, past due status, and last activity dates are also inconsistent between bureaus. 
Requested Action : Please conduct a full review of this account and explain the discrepancies. If the data can not be verified with accurate documentation, it should be removed as required under FCRA 611. 

XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  Account Number : XXXX Issue : The account is listed with a balance of {$1300.00} and a past due amount for the same value, while the high credit is $ XXXX inconsistency that raises concern. Reported dates such as last payment ( XX/XX/year> ) and last activity ( XX/XX/year> ) dont align. Additionally, its marked as a collection without proper proof of ownership or validation. 
Requested Action : Please perform a reinvestigation per FCRA 611, and verify the accuracy of each field reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: IN

Complaint narrative:
This false reporting is causing serious harm to my financial stability, directly impacting my ability to obtain credit, loans, and housing. The presence of unauthorized negative information on my credit report is both unfair and unjustified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: TX

Complaint narrative:
This letter is a formal request for reinvestigation under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i and 1681s-2 ( b ), regarding the inaccurate and misleading reporting on my credit file associated with the above account.

The account is currently being reported with the following errors : It is listed as charged off with a {$0.00} balance, which implies the account has been either paid, settled, or sold, yet it continues to reflect derogatory status and a charge-off.

Late payments are being reported after the charge-off, which violates Metro 2 guidelines and FCRA 607 ( b ) as it fails to provide accurate and fair credit reporting. 

The investigation response states consumer disagrees, yet no meaningful reinvestigation has occurred, violating FCRA 611 ( a ) and potentially the requirement for proper notice under 611 ( a ) ( 5 ) ( B ).

In addition, under 15 U.S.C. 1666b ( TILA ), creditors are required to provide billing statements at least 21 days before the due date. If XXXX XXXX can not provide verifiable proof that statements were sent properly during the months of delinquency, then those delinquencies can not be substantiated.

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 2025-07-10 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: MN

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief