vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT INQUIRIES 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 2025-10-23 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: NY

Complaint narrative:
This complaint is not a mistake. My credit report contains inaccurate entries that have harmed my credit and continue to cause serious financial and emotional distress. I request an immediate re-investigation of these items.

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 2025-10-23 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: IL

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to express my ongoing concern regarding the unresolved disputed accounts appearing on my credit report. Despite submitting multiple requests and highlighting the inaccuracies in these accounts, no resolution or corrective action has been taken to date. These inaccurate entries are severely impacting my credit standing and creating significant challenges in my daily life. The continued presence of these errors has caused undue hardship, and I am now urging your immediate assistance in resolving this matter. I respectfully request a full and thorough investigation into each disputed account, and that appropriate steps be taken to correct and update my credit report without further delay. 
Accurate reporting is essential to restoring my financial stability, and I sincerely hope you will treat this issue as a priority. Your prompt attention and cooperation in resolving these discrepancies would be greatly appreciated. Thank you for your time and support.

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 2025-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Continental Finance Company, LLC
State: TX

Complaint narrative:
I am writing to formally request a review and removal of negative information associated with my closed credit card account. This account has been closed for some time, yet it continues to reflect late payments and negative reporting that no longer represent my current financial situation or responsibility. 

During the period when those late payments occurred, I was facing financial hardship due to personal and medical circumstances that temporarily affected my ability to meet payment deadlines. Since then, my situation has stabilized, and I have worked diligently to improve my financial health and maintain a positive credit standing.

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 2025-10-23 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: IA

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-10-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: United Shore Financial Services, LLC
State: PA

Complaint narrative:
My wife, XXXX XXXX, and I have been attempting to complete a mortgage assumption with XXXX XXXX for more than a year ( Assumption Application No. XXXX ). We have provided all requested documentation promptly and have communicated repeatedly with our assigned representative, XXXX XXXX ( XXXX ), throughout the process. 

On XX/XX/year>, XXXX XXXX confirmed in writing that all required documents had been received and that the file was in the underwriting queue. 
On XX/XX/year>, my wife, XXXX XXXX, emailed XXXX XXXX for a status update and received no response. 
On XX/XX/year>, XXXX XXXX informed my wife that the file had been closed in XXXX because she didnt hear from us for 3 months. This is incorrect based on the documented correspondence above. We were never notified that the file was being closed, and the claim of no contact is demonstrably false. 

After receiving this message, I contacted XXXX and spoke with XXXX ( User ID XXXX XXXX  in the Executive Resolution Department. During that call, XXXX contacted XXXX XXXX directly and expressed surprise at her claim that we should reach out to her, since that is exactly what we had been doing for months. He said his manager would speak with XXXX XXXX manager and get back to me, but I never received a return call. 

I called again and spoke with XXXX ( User ID XXXX ), whose supervisor is XXXX. XXXX took a message but refused to provide direct contact information for XXXX, XXXX, or anyone in XXXX XXXX. 

As of XX/XX/year>, I have still not received a call or email from anyone at XXXX regarding the status of this matter. 

At this point, XXXX has : Mishandled and closed our assumption file despite confirmed communication.

Failed to provide required notice or explanation.

Refused to provide escalation or management contact information.

Left the application unresolved for more than a year despite our full cooperation. 

This appears to violate servicing standards under the Real Estate Settlement Procedures Act ( RESPA, 12 C.F.R. 1024.35 ) and constitutes a failure to properly manage and communicate on a mortgage assumption application.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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:
Bank-related billing and reporting errors are harming my credit unfairly. Under the Truth in Lending Act ( 15 U.S. Code 1666 ( b ) ), creditors must ensure that payments and credits are reported accurately. However, payments I made were not properly applied, and there are clear discrepancies in the reported balances. Furthermore, I was not given the mandatory 21-day notice before the due date, which makes any reported late payments invalid. These actions violate federal law and misrepresent my credit history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Click n' Close, Inc.
State: AK

Complaint narrative:
We have been working with XXXX XXXX XXXX for over a year to obtain a home mortgage for a property located on federal trust land. We were assigned an agent who provided us with an exact closing date of XX/XX/year>, and told us the final step was to submit proof of wind and hail coverage for our homeowners insurance. We obtained the coverage and promptly sent proof as requested. 

After that, we did not receive any further communication, so we reached out on XX/XX/year>, after the date that was provided to us as our closing date. Shortly after, we received an email from the agents supervisor stating that there was now an additional issue we needed to resolve. This was unexpected, as we had previously been told that all requirements were met and that we were cleared to close. 

We worked quickly to address this new issue, which involved paying off a large loan at the last minute. During this time, we learned that the original loan officer we had been working with was no longer with the company. On XX/XX/year>, we were contacted by a new representative who said she would be reviewing our case and that she would reach out to us when she had updates. 

After giving ample time for a response, we reached back out on XX/XX/year>, requesting an update and expressing concern about our appraisal potentially expiring ( which we had paid for out of pocket ). Instead of a response from the new representative, we received an email from the supervisor stating that our file had been closed because we had not contacted them in time. They also stated that they would not refund us for the appraisal fee, despite our repeated attempts to stay in contact and follow up. 

In summary, XXXX XXXX XXXX : Gave us a firm closing date and confirmed we had met all conditions. 

Failed to communicate new issues in a timely or clear manner. 

Reassigned our case without notice or consistent communication. 

Closed our file without reasonable justification. 

Refused to refund the appraisal fee even though we acted in good faith and maintained communication. 

This situation has caused significant financial and emotional stress, as we invested time, money, and effort based on the companys assurances and deadlines.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-23 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: MI

Complaint narrative:
On multiple occasions I submitted a full FCRA 605B Identity-Theft Block Request to Equifax regarding XXXX fraudulent account reported by First Tech XXXX XXXX XXXX XXXX The account was used without my authorization, and I provided all required documentation including my FTC Identity-Theft Report ( Ref # XXXX ), police report # XXXX, government ID, proof of address, and signed 605B cover letter.

Equifax acknowledged receipt but failed to block or delete the tradeline within four business days as required under 15 U.S.C. 1681c-2 ( b ). This inaction is a violation of the Fair Credit Reporting Act and has caused ongoing harm, as the account continues to appear on my Equifax file despite being permanently removed from other credit bureaus. 

I am requesting that Equifax immediately and permanently block this fraudulent account and provide written confirmation of the block, as required by law. I have certified-mail evidence showing Equifax received the 605B packet months ago yet did not comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Upstart Holdings, Inc.
State: FL

Complaint narrative:
Debt Validation Failure & Illegal Reporting of Charged-Off Account Company Name : UPSTART NETWORK Account Number : XXXX XXXX XXXX XXXX XXXX Balance : {$15000.00} I am filing this complaint against UPSTART NETWORK for violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) in their handling of a {$15000.00} account they are reporting as a collection/charge-off.

I sent a written request for validation of the debt under FDCPA 809 ( 15 U.S.C. 1692g ). They failed to respond with : A copy of the original signed agreement Proof of assignment or ownership of the debt An itemized breakdown of the amount owed Despite not validating the debt, they continued to report this account to the credit bureaus, which is unlawful under both FDCPA and FCRA. 
Additionally : The original creditor, Upstart, declared this account a charge-off in XXXX 
I was not offered any hardship plan or repayment options, despite suffering from : o Job loss due to the COVID-19 aftermath o Financial devastation from an ongoing divorce o The complete disruption of income due to XXXX XXXX It is unjust and unlawful for this debt to continue appearing on my credit report without validation and with no proper communication from the collector. The pressure tactics used also caused emotional distress and may constitute harassment under FDCPA 806.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: CA

Complaint narrative:
I'm writing to dispute inaccurate information on my credit report that I recently pulled while applying to purchase a home. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I'm entitled to accurate credit reporting, and any incorrect information needs to be investigated and either corrected or removed.

Account I'm Disputing : I'm disputing the following collection account that's negatively impacting my credit profile : XXXX XXXX - Account # : XXXX XXXX Date Assigned : XX/XX/XXXX Date Reported : XX/XX/XXXX Status Date : XX/XX/XXXX Balance Date : XX/XX/XXXX Amount : {$10000.00} Account Type : Individual account Why I'm disputing this : I don't recognize this account and have no knowledge of this debt. This account doesn't belong to me, and I'm requesting full verification of its validity. 

Under 15 U.S.C. 1681i, you're required to investigate these disputed items within 30 days of receiving this letter. The information above is inaccurate, and having it on my report is damaging my ability to secure housing. Federal law ( 15 U.S.C. 1681e ( b ) ) also requires you to follow reasonable procedures to ensure maximum accuracyand this item doesn't meet that standard.

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 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally dispute and request the removal of several hard inquiries listed in my credit report, as displayed in the attached screenshots. This request is made under the rights provided to me by the Fair Credit Reporting Act ( FCRA ), which requires that all information included on my credit report be accurate, verifiable, and authorized by my consent.

Upon reviewing my recent credit report, I noticed the following hard inquiries that I do not recognize, nor did I authorize or consent to these entities to access my credit information. I am concerned that these inquiries may be the result of errors, potentially fraudulent activity, or improper credit practices.

Below are the disputed inquiries and their dates as shown in the screenshots I have provided : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under the FCRA, you are required to investigate disputed information and delete or correct any unverifiable or unauthorized inquiry typically within 30 days of the receipt of my dispute. Please remove each of the above-listed hard inquiries from my credit report unless you can furnish documentation that shows I gave explicit, written authorization for each inquiry. 

Please provide me with written confirmation of your investigation and the results. If you are unable to verify authorization for any of these inquiries, I request they be removed from my credit report immediately per FCRA guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: Credit Fresh Holdings Inc
State: IN

Complaint narrative:
I am victim of identity theft.

Under the Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 6 ), once you receive an identity theft report, you are prohibited from furnishing this information to credit reporting agencies. You are also prohibited from selling, transferring, or attempting to collect on this fraudulent debt.

These companies are failing to follow the laws in compliance with Metro 2. 

It has also been brought to my knowledge that this account was sold to a third party. 

XXXX XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: U.S. BANCORP
State: NY

Complaint narrative:
U.S bank suddenly closed my account and didn't give me any time to redeem my points. U.S bank against New York Law. New York law provides a 90-day grace period for New York cardholders to redeem credit card points after the account is canceled or modified.

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 2025-10-23 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:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation