vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-04 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: NJ

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.

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 XXXX 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 2025-08-04 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: EQUIFAX, INC.
State: NJ

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.

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 XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: DC

Complaint narrative:
There are fraudulent collections from XXXX XXXX XXXX on my credit report. However, I do not have any rental collections on my credit. I am a victim of identity theft and have an Identity Theft Report and Police Report which I can provide to support this. See attached. I dispute these fraudulent collections. Please remove these collections from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: MI

Complaint narrative:
XXXX. XXXX XXXX payments ; In XXXX XXXX, I owed {$1500.00} in child support. On XX/XX/XXXX, I paid the balance in full. In XXXX of XXXX, I had a collection for XXXX XXXX that was reported on my Experian credit report. I disputed this information XXXX by submitting the letter from the XXXX Treasury showing that I paid the account in XXXX. Experian refuses to remove the inaccurate information. 

I contacted XXXX XXXX, Michigan, XXXX XXXX XXXX. I was told by them to dispute it. I did, and both disputes were denied. They also told me that they don't do the reporting and can not provide me with any documentation stating that my account is not in collections. 

When you review the attached credit report, you will see the following : It states that in XXXX, I owed {$1500.00} ( the attached letter will show that is what I paid it in full ). You will also see that each month the balance decreases, but it also says that I paid {$0.00} per month ( how is that possible? ) XXXX. XXXX. On all XXXX of my credit reports, it shows that XXXX student loans ( see attached ) have the following information : I paid in XXXX, XXXX, and XXXX of XXXX, and then it says that I was 90 days late in XX/XX/XXXX and 120 days late in XX/XX/XXXX. ( How am I late if I paid in XXXX, XXXX, and XXXX? ) I have disputed this information XXXX, and all XXXX bureaus and XXXX refuse to fix 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 non-monetary relief
Consumer complaint received 2025-08-04 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: MI

Complaint narrative:
XXXX. XXXX XXXX payments ; In XXXX XXXX, I owed {$1500.00} in child support. On XX/XX/XXXX, I paid the balance in full. In XXXX of XXXX, I had a collection for XXXX XXXX that was reported on my Experian credit report. I disputed this information XXXX by submitting the letter from the XXXX Treasury showing that I paid the account in XXXX. Experian refuses to remove the inaccurate information. 

I contacted XXXX XXXX, Michigan, XXXX XXXX XXXX. I was told by them to dispute it. I did, and both disputes were denied. They also told me that they don't do the reporting and can not provide me with any documentation stating that my account is not in collections. 

When you review the attached credit report, you will see the following : It states that in XXXX, I owed {$1500.00} ( the attached letter will show that is what I paid it in full ). You will also see that each month the balance decreases, but it also says that I paid {$0.00} per month ( how is that possible? ) XXXX. XXXX. On all XXXX of my credit reports, it shows that XXXX student loans ( see attached ) have the following information : I paid in XXXX, XXXX, and XXXX of XXXX, and then it says that I was 90 days late in XX/XX/XXXX and 120 days late in XX/XX/XXXX. ( How am I late if I paid in XXXX, XXXX, and XXXX? ) I have disputed this information XXXX, and all XXXX bureaus and XXXX refuse to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: NJ

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the account is mandated. Kindly review the listed account below that requires correction : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-08-04 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: CA

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: FL

Complaint narrative:
They violated my rights as a consumer under 15usc 1681b and I need these items blocked and deleted off my credit report as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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 writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: IL

Complaint narrative:
TransUnion continues to report an inaccurate and unverifiable charge-off ( XXXX XXXX XXXX ) despite multiple certified disputes. 
They reported the account as verified without providing any Method of Verification ( MOV ) or supporting documents. 
XXXX XXXX, the collection agency, could not validate the debt and returned it to XXXX, and XXXX refused to provide the original contract, full history, or IRS XXXX. 
TransUnion has also blocked my online access since XX/XX/year> and confirmed via chat that no active disputes exist, forcing me to rely on postal mail to monitor my credit.

This violates FCRA 609, 611, and constitutes misleading and unfair practices ( 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
Consumer complaint received 2025-08-04 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: FL

Complaint narrative:
I submitted disputes to all three credit bureaus regarding inaccurate account information. One bureau properly conducted an investigation, determined the account was inaccurate, and removed it. However, the other credit bureaus failed to provide proper verification or conducted what I believe was a frivolous response. They continue reporting the inaccurate item despite being notified of the issue, in violation of FCRA 611, which requires a reasonable reinvestigation of disputed information. I am requesting immediate correction of this inconsistent and harmful reporting. Below is a list of the accounts in question : XXXX XXXX XXXX : {$3500.00}

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 2025-08-04 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: CA

Complaint narrative:
XXXX. XXXX is furnishing a fraudulent collection account to TransUnion, which continues to publish and verify the information even after prior disputes and no validation was ever provided. I have never received a contract, lease, or utility bill only unverifiable data. The account is listed as : Status : Collection/Charge-Off Balance : {$1200.00} Open Date : XX/XX/XXXX Last Reported : XX/XX/XXXX Dispute Remark : " Account information disputed by consumer '' TransUnion shows this account as open, despite it being a charge-off with no payment history, no date of first delinquency ( DOFD ), and no last payment. I have documentation from my XXXX XXXX XXXX XXXX credit report ( which pulls data from TransUnion ) confirming the same false reporting across platforms. The balance has never changed, yet the account is still shown as active, harming my credit score without any basis. 

I am requesting CFPB assistance in formally notifying both XXXX. XXXX  and TransUnion that this complaint will be used as evidence in a federal lawsuit I am preparing to file in the U.S. District Court Eastern District of XXXX  ( XXXX XXXX ). 

This complaint documents repeated, knowing violations of : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Inaccurate reporting 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to reinvestigate 15 U.S.C. 605 ( c ) Illegal re-aging 15 U.S.C. 1692e ( 8 ) False reporting ( FDCPA ) 18 U.S. Code 1028A Aggravated identity theft 18 U.S. Code 1343 Wire fraud Defamation and extortion via unlawful credit suppression I am demanding permanent deletion of this unverifiable account and immediate cessation of re-reporting. I have preserved all records and screenshots and intend to submit this complaint as Exhibit A in court.

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 2025-08-04 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: PA

Complaint narrative:
Good day, filing this complaint to follow up my previous letters that I'm requesting for correction or update of the accounts listed below. I am firmly convinced that the reporting of these accounts is inaccurate, resulting in a negative impact on my credit standing. Despite my diligent efforts to recall any interactions with these accounts, I have found no evidence of conducting business with them or receiving any services. This discrepancy raises concerns about the accuracy and validity of the reported items. The following are the accounts that I request to be investigated and updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$390.00} DPT EDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$4600.00} DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$6900.00} DPT EDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$4800.00} DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$3400.00} DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$7700.00} DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$7700.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
My insurance has been canceled by Steadily due to non payment. Rushmore Servicing claims the payment was sent and has deducted the money from my escrow account. As such, the property is currently uninsured, and the money is missing from escrow. 

This is not the first time Rushmore has failed to pay things on time, as last year they allowed my property to be sent to tax sale due to not paying the property taxes on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Central Research Inc
State: MI

Complaint narrative:
I am filing this complaint to formally dispute and demand immediate action regarding a student loan debt in the amount of {$14000.00} that has been inaccurately and unlawfully reported on my credit file. This debt was transferred to a new furnisher, CRI, without proper documentation, notification, or legal validation. I exercised my rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i and the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, by submitting a written request for debt validation, specifically demanding a copy of the original Master Promissory Note ( MPN ) that would prove any legal obligation on my part. To date, CRI has completely failed to provide any such documentation.Let me be clear : a simple account balance or internal summary does not meet the federal requirement for debt validation. The FCRA and FDCPA both require a complete and verifiable investigation by the data furnisher, including proper documentation that substantiates the debt, its transfer, and the authority to collect. By continuing to report this debt without furnishing the original MPN or chain of title, CRI is in direct violation of 15 U.S.C. 1681s-2 and 15 U.S.C. 1692g ( b ) .I am demanding the following :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: OneMain Finance Corporation
State: TX

Complaint narrative:
I discovered unauthorized hard inquiry on my report ( ONEMAIN ) had been re-inserted into all my three credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification, without my knowledge of this unauthorized inquiry. I've proof of inquiry was deleted and reappearing. Please delete this item immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: NJ

Complaint narrative:
Good day, I'm Sending this complaint, regarding to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I'm thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to remove the listed itemswithin the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remaining showing on my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-08-04 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 formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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