vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card
account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

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 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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: FL

Complaint narrative:
I previously submitted a valid identity theft report, affidavit, and supporting documentation under 15 U.S.C. 1681c-2 ( FCRA 605B ), requesting the immediate block and deletion of fraudulent accounts and inquiries from my credit file on XX/XX/year>. As required, you had 4 business days to block and delete the disputed items. You failed to comply. This constitutes willful non-compliance with 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 2025-08-28 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 previously submitted a valid identity theft report, affidavit, and supporting documentation under 15 U.S.C. 1681c-2 ( FCRA 605B ), requesting the immediate block and deletion of fraudulent accounts and inquiries from my credit file on XX/XX/year>. As required, you had 4 business days to block and delete the disputed items. You failed to comply. This constitutes willful non-compliance with 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 2025-08-28 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: LA

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 explanation
Consumer complaint received 2025-08-28 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: PA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Fay Servicing, LLC
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX My mortgage company is Fay Servicing and my Loan number is XXXX I have applied for Borrowers Assistance and filled out their form SIX times along with all the requested documentation. Each time Fay said that I had a page missing from my application, which EVERY time I did not. One of the times I sent the forms to Fay with my ATTORNEY, who verified that all the information was complete and correct. Fay still lied and said that I was missing information. I have called Fay so many times that their number is in my phone. During this time they told me not to make any mortgage payments because my application was under review. I found this to be suspicious so I mailed a payment to them which they returned to me ( without even trying to deposit it ). There are Civil Law suits against Fay in two different states by homeowners for this very reason. I
obviously hired a lawyer, which when he called them in my presence, Fay hung up on my lawyer! Also, within the past six months I mailed my house payment for three consecutive months, which they accepted and put towards my house note. The fourth month that I sent in a payment, they returned my check to me ( undeposited ). Because of this and the fact that FAY is trying to steal my property from me by not accepting my payments, I have filed for bankruptcy. They are being highly deceptive and unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me. 

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within four business days.

These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me. 

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within four business days.

These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent information.

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 2025-08-28 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: FL

Complaint narrative:
I am a victim of identity theft and miss information reporting on my credit file, my identity have been stolen 7years in XXXX Florida , and I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. my identity has been stolen or there's misinformation, there is a Bankruptcy XXXX  XXXX-dischanged that appear on my credit report that don't belong me, I have contacted the court about this, and the Clerk of court inform me that Only this information can come from the Courts and Not from a third-party, that this information is fault and show proof that it came from the Courts because the courts does not send this try of document to any third-party, and by the Fair Credit Reporting Act the Credit Bureaus can not report bankruptcy from a third-party, So am demanding proof that this information came Directly from the Court, if not this bankruptcy should be remove immediately and there is some additional that need to be remove and block from my credit reports including fraudulent inquiries, and there is 24 inquiries that is reporting on my TransUnion report that I never gave any permission to open, this is also identity theft.

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 2025-08-28 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: PR

Complaint narrative:
I submitted a valid blocking request to TransUnion on XX/XX/2025, fully complying with all requirements under the Fair Credit Reporting Act ( FCRA ) Section 605B. I provided my official FTC Identity Theft Report ( Report No. XXXX ), identified the fraudulent account ( XXXX XXXXXXXX ), and included all supporting documentation. 

Federal law is clear : once a consumer provides an FTC Identity Theft Report, the credit bureau must block the fraudulent information within four ( 4 ) business days. Instead, more than 30 days have passed, and TransUnion continues to report this fraudulent account on my file.

This is not a clerical errorit is a direct violation of federal law that is causing me serious harm. My credit score remains artificially XXXX Ive been denied legitimate credit applications, I face higher interest rates when approved, and I was even denied housing. The stress of fighting an account I never opened is affecting my health, productivity, and financial stability. 

What makes this worse is that TransUnion already had everything it needed to comply. The agency is deliberately ignoring its legal duty, prolonging the damage, and undermining the very protections Congress put in place under Section 605B. Instead of protecting me, they are allowing this fraudulent account to remain active in my reportdespite the FTC report and clear evidence that it should have been blocked immediately.

This is a serious, ongoing violation of my consumer rights, and I am asking the CFPB to intervene because TransUnions inaction is unlawful and unacceptable.

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 2025-08-28 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: WI

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

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 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 2025-08-28 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I am writing to request the reinstatement and proper reporting of my TARGET/TD account listed above. After reviewing my records, I now acknowledge that this account was not fraudulent and is, in fact, a valid account under my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax and XXXX are reporting a XXXX  XXXX bankruptcy ( Case No. XXXX ) that was dismissed without discharge. I filed but did not proceed with the bankruptcy, yet it continues to appear on my credit file as a negative public record. This reporting is misleading and incomplete because no debts were eliminated and no bankruptcy was finalized. I disputed this information, but the companies verified it instead of deleting it. I am requesting that this dismissed bankruptcy be deleted from my record as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) and 1681i ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
I had a fire on the property I own XX/XX/XXXX. A check from XXXX XXXX XXXX was sent in my name and Mr. Cooper mortgage company. I endorsed check and sent it for total {$71000.00}. they sent me {$40000.00}. I have completed their requests and requirements by sending all documentation/letters/and forms that I am not rebuilding structure as the insurance money didn't cover the cost to rebuild. I sent invoices too. I asked for the money to be returned to me or applied to my principal. After months of getting nowhere, I was told by XXXX XXXX from Mr. Cooper XXXX email XXXX that I can do a " recast '' and apply the money to my principal. He emailed me the request form on XXXX and XX/XX/XXXX. I paid the {$250.00} fee. I called to follow up on XX/XX/XXXX and was told it was denied, that I can only use the money for a rebuild. 
The situation is right back to where it has been since XXXX, and now I am out of t {$250.00}. Every week since XX/XX/XXXX, I placed calls to apply money. Not until XXXX was I given the information to move forward with applying to principal, then denied. 
How do I get the money sent to me to pay principal? Surely Mr. Cooper doesn't keep my insurance money?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I was a victim of identity theft and I requested to have Apple Card gs bank removed and blocked from my credit file. The file was previously removed and blocked by XXXX  on XX/XX/year>. As of XX/XX/year> the fraudulent account was re reported to my credit file as closed and negative causing my score to decrease by XXXX points. Im in the process of closing on a home and this is preventing me from closing putting me and my family in a bind and no where to live possibly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: NY

Complaint narrative:
I submitted a dispute for identity theft someone used my social security number including other false information misleading creditors to issue them a credit card in my name without my authorization. I wasnt unaware of the identity theft until I check my report. I want this information removed from report immediately!

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 2025-08-28 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: NC

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation