vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-30 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX KY XXXX ACCOUNTS : XXXX XXXXXXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXXXXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXXXXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX XXXX Date : 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 2025-07-30 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: TX

Complaint narrative:
I have thoroughly reviewed my credit reports from the three major credit bureausTransUnion, Experian, and Equifaxand have identified multiple accounts that are inaccurately reported, outdated, or unverifiable. These negative items are unjustly damaging my credit profile and do not accurately reflect my current or past credit activity. 

Despite my previous attempts to address these issues through formal disputes, I have not received appropriate validation, verification, or correction as required under the Fair Credit Reporting Act ( FCRA ). The following concerns remain unresolved : Late Payments : Several accounts reflect late payments that are inaccurate or outdated. Some have been paid, settled, or are currently in good standing, yet still report derogatory marks. 

Collections : Some collection accounts appear without proper validation of debt or are duplicated across different bureaus with conflicting statuses. 

Charge-Offs : Multiple charge-off entries are reported without supporting documentation, such as a signed agreement or proof of ownership of the alleged debt. 

Repossessions : There are accounts listed as repossessions which do not align with my credit activity or were settled under different terms, lacking documentation to support such severe status. 

Inquiries : Numerous hard inquiries appear on my report that I did not authorize. Under FCRA 604, any inquiry without permissible purpose must be removed immediately. 

Furthermore, some accounts have been marked as dispute resolved consumer disagrees, even though no proper investigation was conducted or documentation provided. 

I am formally requesting immediate investigation and removal of any and all unverifiable, inaccurate, or outdated information in accordance with the FCRA. These errors are directly impacting my ability to secure essential financial opportunities, including housing and vehicle financing. 

Please provide written confirmation of your investigation results within the time frame mandated by federal 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 2025-07-30 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 thoroughly reviewed my credit reports from the three major credit bureausTransUnion, Experian, and Equifaxand have identified multiple accounts that are inaccurately reported, outdated, or unverifiable. These negative items are unjustly damaging my credit profile and do not accurately reflect my current or past credit activity. 

Despite my previous attempts to address these issues through formal disputes, I have not received appropriate validation, verification, or correction as required under the Fair Credit Reporting Act ( FCRA ). The following concerns remain unresolved : Late Payments : Several accounts reflect late payments that are inaccurate or outdated. Some have been paid, settled, or are currently in good standing, yet still report derogatory marks. 

Collections : Some collection accounts appear without proper validation of debt or are duplicated across different bureaus with conflicting statuses. 

Charge-Offs : Multiple charge-off entries are reported without supporting documentation, such as a signed agreement or proof of ownership of the alleged debt. 

Repossessions : There are accounts listed as repossessions which do not align with my credit activity or were settled under different terms, lacking documentation to support such severe status. 

Inquiries : Numerous hard inquiries appear on my report that I did not authorize. Under FCRA 604, any inquiry without permissible purpose must be removed immediately. 

Furthermore, some accounts have been marked as dispute resolved consumer disagrees, even though no proper investigation was conducted or documentation provided. 

I am formally requesting immediate investigation and removal of any and all unverifiable, inaccurate, or outdated information in accordance with the FCRA. These errors are directly impacting my ability to secure essential financial opportunities, including housing and vehicle financing. 

Please provide written confirmation of your investigation results within the time frame mandated by federal 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 non-monetary relief
Consumer complaint received 2025-07-30 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: KY

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

1681c-2 ) that you, the Experian Credit Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX KY XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXXXXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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:
I request your help to look into accounts from these companies that are inaccurately reporting late payments. After examining my credit report, I noticed some accounts wrongly show late payments. There should be no late payment remarks on these accounts. Please remove those remarks and update the accounts as agreed to positive.

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 2025-07-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: United Shore Financial Services, LLC
State: AZ

Complaint narrative:
Recently my mortgage company changed to UWM, United Wholesale Mortgage. When I made my XXXX XXXX on time my bank doesnt show the payment being applied. When I called the toll free number they have a recorded message telling me to that they are too busy and to call back later. I keep calling back and getting the same message. I keep trying to pay on line but they will not take my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: MS

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-07-30 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: MS

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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 discovered multiple hard inquiries on my credit report that I did not authorize, initiate, or consent to. These inquiries were placed without my knowledge or involvement, and I have no existing credit relationships, applications, or transactions with the companies responsible.

I submitted disputes to the credit bureaus requesting verification and deletion of these unauthorized inquiries. Despite these efforts, I received either boilerplate responses or no valid proof of permissible purposesuch as signed applications or digital audit trails. This lack of verification violates the Fair Credit Reporting Act ( FCRA ), including 1681b ( a ) ( 3 ), 1681e ( b ), and 1681g, which require a permissible purpose, maximum accuracy, and full disclosure of information used to verify account reporting. 

I believe these hard inquiries were added in error or through fraudulent means, and the credit bureaus have failed to meet their legal responsibilities under FCRA. I am now seeking the CFPBs assistance in ensuring my rights as a consumer are protected.

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 2025-07-30 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 discovered multiple hard inquiries on my credit report that I did not authorize, initiate, or consent to. These inquiries were placed without my knowledge or involvement, and I have no existing credit relationships, applications, or transactions with the companies responsible. 

I submitted disputes to the credit bureaus requesting verification and deletion of these unauthorized inquiries. Despite these efforts, I received either boilerplate responses or no valid proof of permissible purposesuch as signed applications or digital audit trails. This lack of verification violates the Fair Credit Reporting Act ( FCRA ), including 1681b ( a ) ( 3 ), 1681e ( b ), and 1681g, which require a permissible purpose, maximum accuracy, and full disclosure of information used to verify account reporting.

I believe these hard inquiries were added in error or through fraudulent means, and the credit bureaus have failed to meet their legal responsibilities under FCRA. I am now seeking the CFPBs assistance in ensuring my rights as a consumer are protected.

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 2025-07-30 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:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and XXXX that you couldn't put on the FTc report ). Please see the attached file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

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 2025-07-30 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: NC

Complaint narrative:
I HAVE DISPUTED THIS XXXX XXXX XXXX ACCOUNT AS FRAUD OVER XXXX TIMES AND XXXXXXXX XXXX AND EQUIFAX KNOW THIS ACCOUNT IS FRAUD. I HAVE SENT PROOF FROM THE COURTS AND POLICE REPORTS AND IDENTITY THEFT REPORTS SHOWING IT IS FRAUD AND ITS BEEN DEEMED AS FRAUD ACTUAL AT XXXX XXXX EQUIFAX HAS THE PROOF THAT THIS ACCOUNT IS FRAUD DUE TO ALL THE PROOF I HAVE SHOWN BUT THEY STILL ALLOW XXXX CXXXX TO REPORT THIS ACCOUNT AND ALLOWING THEM TO UNBLOCK IT TO REPORT TO MY EQUIFAX TRADE LINE. NOW ITS DOING CREDIT RUINS AND NOW I CAN'T CLOSE ON MY HOME LOAN AND IM LOSING MY DOWN PAYMENT OF XXXX AND I WILL BE SEEKING LEGAL ACTIONS AGAINST XXXX XXXX AND EQUIFAX TODAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$9600.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$160.00} INQUIRIES : XXXXXXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXXXXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : 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 2025-07-30 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: SECURITY FINANCE CORP
State: TX

Complaint narrative:
The week of XX/XX/XXXX of XXXX, I reached out to the branch to let them know that I XXXX be late with this month 's payment, but I would call back on XX/XX/XXXX of XXXX to let them know. The rep ( XXXX ) I spoke with said " Okay, when can we be expecting a call or a good time to call ''. I let them know between XXXX and XXXX would work for me. 

On XX/XX/XXXX at XXXX pm, I received a call and voicemail from the branch. I returned their call at XXXX and a rep from the company answered the phone " PFS Auto '' I began to introduce myself and go through the proper verification and let them know that I would be able to make my payment in the next XXXX weeks. The rep then proceeded to yell and scream at me yelling phrases like : " Why can't you pay? '' " This is your debt. '' " What don't you understand? '' I simply asked the rep what the issue was considering that I pushed my payment out by XXXX weeks last month. The rep replies " What do you mean you don't understand? Do you understand that your delinquent? You need to pay us now! '' I asked to be transferred to someone else, and the manager ( XXXX XXXX gets on the phone with the same attitude and aggression as her employee. 

I proceed to let them know I would be contacting corporate and sending them a cease and desist because, I refuse to be treated less than, disrespected, and handled as if I'm unaware of my own responsibilities. 

I spoke to the regional XXXX ( XXXX XXXX who was more worried about my " debt '' than the way her employees are treating their clients. 

Please read the reviews on XXXX XXXX in XXXX and you will see that I am not the only client they are treating this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: MA

Complaint narrative:
b'I sent a certified letter to Experian on XXXX via USPS mail with a tracking number of XXXX XXXX XXXX XXXX XXXX XXXX  . The letter was delivered to Experian in XXXX,TX on XXXX at XXXX XXXX. The letter stated they needed to promptly investigate the account and correct it or delete it. Experian ignored my request and I proceeded to send another letter on XXXX. They also ignored my XXXX letter. The accounts that were included in both letters were \n\nXXXX XXXX balance is XXXX and account number is XXXX. XXXX XXXX XXXX balance is XXXX and account number is  XXXXXXXX XXXX balance is XXXX and account number is  XXXXXXXX XXXX XXXX XXXX balance is XXXX and account number  XXXXXXXX XXXX balane is XXXX XXXXnd account number 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 2025-07-30 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: IN

Complaint narrative:
I was trying to buy a house and get a loan and there were damages on my report causing me to get denied and causing deformation to my character According to law XXXX XXXX XXXX.

Company response to consumer: Closed with explanation