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: 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: NV

Complaint narrative:
I am writing to formally dispute the reporting of a bankruptcy in your data files associated with my name, XXXX XXXX. I recently obtained copies of my credit reports from TransUnion, XXXX, and Experian, and each of them reflects a bankruptcy allegedly furnished by XXXX. This information is false, damaging, and must be addressed immediately. 
On XX/XX/year>, I contacted your office directly and was assured that no bankruptcy is listed in your records under my name. This verbal confirmation directly contradicts the data being reported by the credit bureaus, which cite XXXX as the source of the bankruptcy information. I have retained screenshots of these credit reports clearly showing the bankruptcy entry and its attribution to XXXX. 
Furthermore, I possess a letter from the United States Bankruptcy XXXX, District of Nevada ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX ), which confirms that the court does not report bankruptcy filings to credit bureaus or credit reporting agencies, nor does it validate or verify such information. This letter reinforces that any bankruptcy data appearing on my credit report must have originated from a third-party data aggregatornamely, XXXX not from any official government source. 
Legal Grounds for My Dispute Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681e ( b ), XXXX a consumer reporting agencyis legally obligated to follow reasonable procedures to assure maximum possible accuracy of the information it furnishes. Reporting a bankruptcy that does not exist in your records and can not be verified by the court violates this statutory duty. 
Additionally, under FCRA 1681i ( a ), I am entitled to dispute any inaccurate information in your files and demand a reinvestigation. You are required to : Conduct a reasonable reinvestigation within 30 days Provide written results of the investigation Delete or correct any inaccurate, unverifiable, or outdated information Notify all credit bureaus to which you furnished the disputed data

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: GA

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 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: GA

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

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$4100.00}

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 explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: EMG ACQUISITION GROUP, LLC
State: DE

Complaint narrative:
I signed up for this loan because I was desperate because my car had died. When I got the amount of the payment it seemed far in excess of what is legal in my state for interest rates. For example for {$2200.00} I am paying {$580.00} a month. That seems far too much. She states on the recorded line she went over this with me but because I was in tears trying to get a new car I don't remember that.

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: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: MI

Complaint narrative:
This company continues to keep reporting and mishandling my loan account and causing my credit report to drop drastically. I paid my payment on time and this company has also raised my monthly payment XXXX dollars and forced insurance on my account and i have my own home owners insurance.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX. 
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 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 2025-10-02 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: CA

Complaint narrative:
Please honor the obligations under 15 U.S. Code 1681g by deleting the disputed accounts accordingly.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Be sure to abide by 15 U.S. Code 1681g by removing the challenged records within the legal timeframe.

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: MD

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: MO

Complaint narrative:
I HAVE TWO FORTIVA CREDIT CARD ACCOUNTS. I CANCELLED BOTH CARDS BECAUSE FORTIVA WAS CHARGING A MONTHLY {$15.00} MAINTANCE CHARGE AND THE INTEREST RATE IS XXXX. THERE IS NO WAY TO GET AHEAD WITH THOSE CHARGES. FORTIVA IS NOW CHARGING ME A {$41.00} LATE FEE ON EACH ACCOUNT. 

HOW DO YOU GET OUT OF DEBT IF THE CREDIT CARD COMPANIES ARE CHARGING THESE KIND OF FEES?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with 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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I submitted a dispute letter on XXXX XXXX, XXXX  by mail, to Transunion Consumer Relations XXXX. XXXX XXXX XXXX, PA XXXX. 
This dispute was regarding my unverified and incorrect debt information with the company XXXX XXXX XXXX, account number not listed and other information inaccurate. 
The 5 business day rule implemented by the FCRA has surpassed since I initially sent this mail out ( its been about 15 business days since ) and I have not received any response from the credit reporting agency about them being aware of my letter or any acknowledgement of this letter, either. I have a receipt of this mail being sent out on XX/XX/XXXX, as well as a receipt of the stamps used at the time. I also have a photo of me sending the mail which has the date and time stamp on it on my XXXX. 
As per the FCRA, under 15 USC 1681i ( a ) ( 2 ) ( A ) it states " Before the expiration of the 5 business day period ... the agency shall provide notification of the dispute to any person who provided any item of information in dispute. '' With this being said, it has been passed the 5 business days and I haven't heard any update from this credit reporting agency.

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: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I told this company I do not owe a debt to them Or any one else, to please stop harassing me I never entered into a contract with midland credit management I also never allowed them to obtain my private credit information and I never contacted them making all this illegal, please do not contact Me again I do not recognize any debt I owe this company,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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 2025-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I have been receiving multiple offers in the mail over the past year from Chase bank, offering up to {$900.00} if I open a checking and savings account with them, after fulfilling several deposit terms. I decided to open an account and used a mailer that was good until XX/XX/year>. Upon going through the online application, I received a notice that my 'offer could not be applied ' even though my accounts was already open and ready for funding. I tried to call customer service where the representative and the supervisor told me that there was no offer attached to my account and there was nothing they could do. They claimed I was not eligible for the promotion but could not explain why I received multiple offers for this in the mail. If I knew that I was not eligible for the promotion, I would not have agreed to open the accounts and would have stopped my application.

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: EQUIFAX, INC.
State: NC

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

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$21000.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$11000.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2900.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$10000.00}

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the XXXX, IL XXXX XX/XX/XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Subject : Urgent Dispute of Fraudulent Accounts Identity Theft Resulting from TransUnion Data Breach Dear TransUnion, I am writing to notify you that my personal and financial information was compromised in the TransUnion data breach, and as a result, fraudulent and inaccurate information is being reported on my credit file. 

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) 605B, 15 U.S.C. 1681c-2, I am formally requesting that TransUnion block and permanently delete all fraudulent and inaccurate accounts and derogatory information that resulted from identity theft. The law requires that these items be removed within four ( 4 ) business days after receipt of my written request and supporting documentation.

Disputed Information ( Fraudulent ) The following accounts and late payment histories do not belong to me and are the direct result of the TransUnion breach and identity theft : DEPTED/XXXX  multiple installment accounts ( XXXX ) reporting 90120 day delinquencies Associated late payment histories and derogatory notations tied to these accounts Any customer disagrees notations tied to these items from past disputes These items are not mine, are fraudulent, and must be deleted immediately. 

Legal Basis for Removal FCRA 605B ( 15 U.S.C. 1681c-2 ) : Requires credit reporting agencies to block fraudulent information within 4 business days of receiving notice and proof of identity theft.

FCRA 611 ( 15 U.S.C. 1681i ) : Requires prompt reinvestigation of disputed information and removal of unverifiable data.

15 U.S.C. 1637 ( a ) & 1666 ( b ) : Prohibit reporting of inaccurate billing/payment information.

Enclosures Provided Copy of government-issued ID Proof of current address Copy of credit report with fraudulent accounts highlighted FTC Identity Theft Report documenting the breach and fraudulent use of my information Requested Action Immediately block and permanently delete all fraudulent information listed above from my TransUnion credit report. Provide me with a written confirmation of these deletions no later than four ( 4 ) business days from receipt of this letter, as required by law.

If TransUnion fails to comply with this request, I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office.

Thank you for your urgent attention to this matter. 

Sincerely, 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 2025-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
b'Hello, I seen some of the activity on my account as well as having issues with bank account, inheritances, properties across the country and more that I have lost access to. Bank accounts have been closed without my permission and I no longer have access to my fund anywhere. This is not acceptable nor ok with the amounts of money. My information is as follows, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX Passport XXXX Passport id XXXX Banks used, Bank with XXXX, location XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Navy federal credit union XXXX XXXX XXXX  XXXX XXXX  And more'

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 reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

Company response to consumer: Closed with explanation