vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 


I am submitting this complaint to the Consumer Financial Protection Bureau regarding Transunion 's continued reporting of an inaccurate public record on my credit file. 
Despite my prior dispute and the submission of all required documentation, Transunion has failed to remove the reported XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Date Filed : XXXXXXXX XXXX XXXX XXXX which I did not file. The presence of this public record is unwarranted and continues to harm my creditworthiness.

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 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am filing this complaint because TransUnion is reporting inaccurate personal information on my credit file. Specifically, an outdated address, XXXX XXXX XXXX XXXX, XXXX, NJ XXXX ( XXXX ), and another outdated address, XXXX XXXX  Wy XXXX XXXX, NJ XXXX, are listed. Additionally, the employer names listed as " XXXX XXXX XXXX '' and " XXXX XXXX XXXX '' are incorrect. The accurate and current personal details that should be reflected on my credit report are as follows : correct address : XXXX XXXX XXXX, XXXX, NJ XXXX, and my correct employer : XXXX XXXX XXXX. Under 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to ensure the maximum accuracy of information in their files. The outdated address and incorrect employer information are damaging my credit, and I request that they be corrected immediately. These inaccuracies are violating the FCRAs requirement to maintain the accuracy and integrity of the information in consumer credit reports, which is negatively affecting my creditworthiness and financial stability. I ask that the Consumer Financial Protection Bureau ( CFPB ) intervene in this matter to ensure that TransUnion addresses these issues in accordance with the law, and that appropriate action is taken to resolve the discrepancies and prevent further harm to my 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 2025-10-02 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: TX

Complaint narrative:
PLEASE BLOCK AND REMOVE. 
This account is inaccurate and should be eliminated from my credit file. I never consented to its creation. Proof is provided.

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 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to respectfully request a review of the late payment ( s ) reported on my account. These occurred while I was incarcerated a situation that caused a temporary but significant hardship. I have since resumed regular payments and am doing everything I can to maintain a positive financial record.

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 2025-10-02 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: AZ

Complaint narrative:
What happens is the following that I dispute a XXXX XXXX account that does not belong to the credit bureaus to Experian, XXXX XXXX and XXXX  and XXXX  and XXXX have already deleted it, but Experian continues to put the account on me and that account is not mine and is affecting my credit, please I need you to let you know to delete that account because it is affecting me a lot, I don't know what they are doing, but I need you to solve that problem and I have tried to solve it everywhere

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 2025-10-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN

Complaint narrative:
XXXX sent to XXXX XXXX where XXXX and XXXX XXXX were cancelled on their end and I need proof that I did not make any cancellations

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 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
THESE ARE INACCURATE ITEMS. IT STILL SHOWS AS LATE

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 2025-10-02 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 have consistently paid this account on time and request that my record be corrected to reflect this accuracy. It is disappointing to encounter such an error given my reliable payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: CA

Complaint narrative:
This is a formal rebuttal to XXXX, XXXX response regarding the reporting of my alleged delinquency and charge-off. Their reply fails to meet federal requirements under the Fair Credit Reporting Act ( FCRA ) and does not adequately address the issues raised in my complaint. 
1. Failure to Provide Method of Verification ( FCRA 611 / 15 U.S.C. 1681i ) : Upgrade claims to have mailed a debt validation letter and will send another copy, but they have failed to provide documentary evidence such as detailed payment records, original signed agreements, or notices mailed. The law requires more than simply asserting that a letter was sent ; it requires procedural evidence of how the information was verified with the credit bureaus. 
2. Duty to Report Accurate Information ( FCRA 623 / 15 U.S.C. 1681s-2 ) : As a furnisher of information, XXXX must ensure complete and accurate reporting. Simply restating account history without providing documentation of billing statements, notices, and correspondence does not substantiate the accuracy of the alleged charge-off. Without concrete proof, the derogatory reporting can not be deemed accurate. 
3. Mischaracterization of Obligations : XXXX refers to FDCPA compliance through its third-party agency XXXX, but this is irrelevant to my dispute. My complaint is not about third-party collection practicesit is about the original furnishers responsibility under the FCRA to maintain and verify accurate information with the CRAs. Their response avoids this legal obligation.

4. Procedural Gaps : The company states my account was charged off on XX/XX/year>, and transferred to XXXX. However, no procedural evidence has been provided to prove that proper notices were sent prior to the charge-off, or that my rights under FCRA were observed in the reporting process. Without such documentation, the reporting remains unsubstantiated. 
Requested Resolution : I am demanding that XXXX XXXX XXXX and its partners immediately delete the reported charge-off and late payment information from my credit file unless they can produce verifiable procedural evidence showing how the verification was conducted, including full account-level documentation. Failure to provide this constitutes a violation of the FCRA. 
The CFPB is requested to compel XXXX XXXX XXXX to either produce substantive verification or remove the derogatory information in compliance with federal law. I respectfully request enforcement action to protect my rights.

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 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I am a survivor of human trafficking and domestic abuse. Fraudulent accounts and debts were created in my name without my consent. These adverse items continue to appear on my Equifax credit report. 
On or about XX/XX/year>, I filed a complaint and submitted supporting documentation to Equifax requesting removal of these items under the Debt Bondage Repair Act ( 15 U.S.C. 1681c-3 ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). My submission included : A letter signed by a police department confirming my victim status A restraining order My Massachusetts Address Confidentiality Program ( ACP ) letter A fraud-related police report Despite providing this legally sufficient documentation, Equifax has failed to block or remove the adverse information. Instead, the fraudulent accounts remain on my credit file, causing continued harm to my credit standing and financial stability. 
I have acted in good faith and followed all requirements under federal law. Equifax has not fulfilled its obligations under the XXXX XXXX XXXX XXXX to block trafficking-related information within four business days of receipt. 
I am therefore requesting CFPB intervention to ensure compliance with the law and removal of the fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
For absolutely no reason told to me Chase Bank closed all five of my accounts including my investment account. They also lied to me and told me that they would send me a letter in the mail explaining the situation and I never received that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-10-02 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:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian, Equifax, and TransUnion Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file.

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 2025-10-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: World Omni Financial Corp.
State: GA

Complaint narrative:
I purchased my vehicle from XXXX XXXX using the XXXX financial. The vehicle included a warranty they are refusing to honor. My cars brakes and tires are already worn and they refuse to preform the necessary repairs even though the truck only has XXXX miles on it. I have tried to get them to cover it and they are refusing, despite the vehicle still being in warranty.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally opt out of the arbitration agreement contained in your terms of service, as permitted under your agreement. Please consider this letter as my official written notice that I am exercising my right to reject binding arbitration.

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 2025-10-02 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC
State: OH

Complaint narrative:
My account was sold to another company the beginning of XXXX. Shellpoint Mortgage is now in possession of my account. I had to get work done on my house for homeowners insurance. I paid with a check for my XXXX account. Not knowing the account was in transition. The check bounced because it was sold. I had to contact the company that did the work on the railing and explain why the XXXX  check bounced. I contacted shellpoint to get the money. They said they couldn't directly write a check for the company I had to wait for the checks to get printed and sent to me. It took about 2 weeks to get the checks. No where did they say they needed a signature verification for the check. They should have already had the information. I got a call today saying my second check had been denied because they didn't have signature verification on hand. The company I paid the check to is now threatening to take the railing back because the check bounced. XXXX XXXX XXXX was more than reasonable in waiting for the second check to come.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
Disputed Items XXXX XXXX, XXXX/ XXXX  Account ending in XXXX XXXX XXXX XXXX XXXX Account ending in XXXXXXXX XXXX XXXX XXXX  Account ending in XXXX XXXX XXXX XXXX Account ending in XXXX XXXX XXXX / XXXX Account ending in XXXX XXXX XXXX XXXX XXXX XXXX Account ending in XXXX Issue Type : Account ownership and fraud issues Statement of Dispute : I am disputing the above accounts as not belonging to me. These are fraudulent or erroneously reported accounts that I have no legal or financial connection to. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), consumer reporting agencies are required to maintain maximum possible accuracy, and furnishers must fully verify account ownership before reporting. 

I demand that these items be immediately investigated and removed from my credit reports if the furnishers can not provide original signed contracts, applications, or other verifiable proof that these accounts belong to me.

Failure to verify and correct these inaccuracies violates : 15 U.S.C. 1681e ( b ) Duty to ensure accuracy of consumer reports 15 U.S.C. 1681i Duty to reinvestigate disputed information 15 U.S.C. 1681s-2 ( b ) Duty of furnishers to investigate and correct disputed information Requested Action : Conduct a full reinvestigation of each account. 

Provide documented proof of ownership if these accounts are to remain. 

Permanently delete all unverifiable or fraudulent accounts. 

Provide written confirmation once the corrections are made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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: OH

Complaint narrative:
Get my package Your Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB : XX/XX/XXXX Date : XX/XX/XXXX To : Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington XXXX DC XXXX Subject : Urgent Complaint Request for Removal of Negative Credit Items Caused by XXXX XXXX Dear Consumer Financial Protection Bureau, I am submitting this complaint under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Consumer Financial Protection Act, regarding the inaccurate, unverifiable, and harmful negative items currently reported on my Experian credit file. 

Background Due to a data breach and failure to safeguard my personal and financial information, multiple negative entries have been added to my credit report. These derogatory accounts are the direct result of inaccurate or unauthorized reporting, causing serious financial harm, emotional distress, and reputational damage. 

Negative Items Reported The following negative items appear on my Experian report dated XX/XX/XXXX : Collections : XXXX XXXX XXXX  {$230.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3100.00} XXXX XXXX XXXX debt buyer ) XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX XXXX XXXX ) Charge-Offs : XXXX {$2800.00} ( credit card, charged off ) XXXX XXXX  {$6500.00} ( charged off ) These entries are not supported by proper verification, and their continued reporting violates FCRA 607 ( a ), 609, 611, and 623.

Violations 1.FCRA 607 ( a ) : Failure to ensure maximum possible accuracy of consumer information. 
XXXX.FCRA 609 & 611 : Failure to provide complete documentation and lawful verification. XXXX.FCRA 623 : Furnishers reporting inaccurate, incomplete, and unverifiable data. XXXX.Privacy Failure : Breach of duty to safeguard my personal and financial data. Relief Requested I respectfully demand : XXXX.Immediate removal of all negative accounts listed above from my credit file. XXXX.Written confirmation from Experian and all furnishers that these accounts have been deleted. XXXX.Enforcement of penalties and corrective actions against those found negligent in safeguarding and reporting consumer information. XXXX.Assurance that no further unauthorized or unverifiable information will be reported. 

XXXX XXXX of my Experian, Transunion and Equifax credit report ( dated XX/XX/XXXX ) with negative items highlighted. 
Copy of government-issued ID and proof of address. 
Copies of prior dispute correspondence. 

I request urgent investigation and correction of these matters. Failure to act will result in further complaints to the Ohio Attorney XXXX XXXX XXXX XXXX and potential legal action. 

Thank you for your immediate attention to this matter. 

Respectfully, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief