vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX FL XXXX ACCOUNTS : XXXXXXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5300.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$490.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$550.00} INQUIRIES : XXXX Date : XX/XX/XXXX XXXX XXXX Date : 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 non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
There Are Unauthorized inquiries on my credit Report that I did not authorize I reach out to the credit bureaus, waited a timely matter and still no response or results These inquiries are not put on my credit report fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: TX

Complaint narrative:
This XXXX  is showing a different account number and balance owed on my other credit reports. Please delete this account due to inaccurate reporting information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: MO

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: MS

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the cred
it reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: MS

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the cred
it reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-08 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: IN

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$8200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$4500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$4600.00} XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$2300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$550.00}

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 2025-07-08 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: PA

Complaint narrative:
I am submitting this complaint regarding an inaccurate and damaging collection account being reported by TransUnion on my credit file. The issue appears in my credit report dated XX/XX/year>, obtained via MyScoreIQ ( Ref. XXXX XXXXXXXX ). 

Negative Item in Dispute : Collection Agency : XXXX XXXX I Original Creditor : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX Status : Collection Reported By : TransUnion Issues and FCRA Violations : 1. FCRA 1681e ( b ) Inaccurate & Incomplete Information The collection account lacks key details required by law, including : No payment history provided.

No date of last payment.

No account terms or itemized breakdown of the alleged balance.

No verified proof that the debt was lawfully transferred from XXXX XXXX XXXX XXXX XXXX. 

Without this information, TransUnion is failing to meet the requirement to report with maximum possible accuracy. 

2. FCRA 1681i Inadequate Reinvestigation Process If a dispute was submitted ( or once I dispute it ), TransUnion is obligated to contact the furnisher and verify all relevant details. If the debt collector does not respond or can not verify, the item must be deleted. Continued reporting of this unverifiable debt violates the FCRA.

3. Unverified Score-Damaging Entry The item is being counted against my score under factors like : Collection and/or public record Few accounts paid on time Short account history These risk factors are based on an unverified account, which is unfair and misleading.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: GA

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

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX  XXXX GA XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XXXX, Balance : {$2100.00} XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XXXX, Balance : {$2400.00} INQUIRIES : XXXX XXXX Date : 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 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am filing a formal complaint against Experian for continued reporting of a XXXX XXXX bankruptcy ( XXXX XXXX. XXXX ) that is both unverifiable and factually inaccurate. 

1. Unverifiable : I provided Experian a deletion letter from XXXX, the original vendor that furnishes public record data to Experian and other CRAs. Despite this, Experian marked the item verified without identifying the furnisher or providing a method of verification. Bankruptcy courts do not furnish information directly to Experian. Per FCRA 611, if an item can not be verified, it must be deleted.

2. Inaccurate Information : Experian lists the case number as XXXX XXXX. The correct case number, per the official U.S. Bankruptcy Court record, is XXXX. 
Experian also reports the court location as XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, with a phone number that does not match the public clerks contact. The official court filing lists the correct address as XXXX XXXX, XXXX XXXX, and the public phone number as XXXX. 

These are factual reporting errors that violate FCRA 607 ( b ), which requires maximum possible accuracy and proper identification of the public record source.

Requested resolution : Permanent deletion of the bankruptcy from all versions of my Experian credit report Written confirmation of the deletion If Experian continues to claim verification, they must provide the full name and contact of the data furnisher and proof of how the record was verified per FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) I am including copies of the XXXX deletion letter, the official bankruptcy court notice ( Form 309A ), and screenshots from Experian showing the inaccurate report.

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 2025-07-08 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: DE

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-07-08 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: AL

Complaint narrative:
I am writing to formally file a complaint against the credit reporting agencies : Equifax, Experian, and TransUnion for failing to remove inaccurate, outdated, or unverifiable negative information from my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). 

Despite submitting formal disputes to the reporting agencies and the furnishing creditors, I have not received satisfactory responses or proper verification of the disputed items. According to the FCRA, any item that can not be verified or is found to be inaccurate must be deleted promptly. My consumer rights have been violated, and these inaccuracies are causing ongoing financial harm, including denied credit and increased interest rates. I have spent hours on this matter trying to get al of these negative items removed that are reporting inaccurate information on my credit report and none of the credit reporting agencies have properly investigated my disputes or provided me with sufficient documentation showing me how anything has come back as verified and the sourcing of the verification. 

Please find enclosed copies of prior dispute letters, credit reports, and supporting documentation ( such as account statements, court records, or identity theft affidavits ).

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 2025-07-08 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: AL

Complaint narrative:
I am writing to formally file a complaint against the credit reporting agencies : Equifax, Experian, and TransUnion for failing to remove inaccurate, outdated, or unverifiable negative information from my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). 

Despite submitting formal disputes to the reporting agencies and the furnishing creditors, I have not received satisfactory responses or proper verification of the disputed items. According to the FCRA, any item that can not be verified or is found to be inaccurate must be deleted promptly. My consumer rights have been violated, and these inaccuracies are causing ongoing financial harm, including denied credit and increased interest rates. I have spent hours on this matter trying to get al of these negative items removed that are reporting inaccurate information on my credit report and none of the credit reporting agencies have properly investigated my disputes or provided me with sufficient documentation showing me how anything has come back as verified and the sourcing of the verification. 

Please find enclosed copies of prior dispute letters, credit reports, and supporting documentation ( such as account statements, court records, or identity theft affidavits ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc
State: KY

Complaint narrative:
I purchased a 12-month personal training program from XXXX on XX/XX/year> and financed {$2900.00} through an Affirm installment loan. Before I signed, on XX/XX/year>, XXXX sent me an XXXX stating if we arent seeing results within the first 90 days we can cancel on the spot with NO fees. Relying on that unconditional guarantee, I enrolled and paid nothing up front. On XXXXwell within the 90-day windowI sent a cancellation request referencing his exact text promise. XXXX has refused to cancel or refund, claiming I havent fulfilled the work and that his service policy controls, despite his earlier no-fee guarantee. I opened a dispute with Affirm, provided the dated text screenshots and contract, and asked both XXXX and Affirm to explain what evidence would satisfy the 90-day guarantee, but neither will honor or explain it. I remain responsible for a {$3000.00} loan for services that were misrepresented and never delivered as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: TX

Complaint narrative:
Creditor : XXXX Bank XXXX Account Number ( last 4 digits ) : XXXX Date of charge-off : XX/XX/XXXX According to my credit report, the XXXX XXXX XXXX  account is being marked as a charge-off every single month, continuing well into XXXX and even XXXX long after the account was originally charged off. This repeated reporting makes it seem like the account is being newly charged off each month, which is misleading and unfairly damaging to my credit profile.

Under the Fair Credit Reporting Act ( FCRA ), a charge-off is a one-time event. While it's legal to show that the account remains unpaid, reporting a new charge-off month after month can make it appear as though the account is continuously becoming delinquent ; which it isnt. This practice inflates the negative impact on my credit and may be considered a form of re-aging, which is not allowed under federal law. 
Because of this I am asking that this XXXX XXXX XXXXXXXX account be removed completely from my credit report. Please investigate it and delete it if it can't be corrected immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Since XX/XX/XXXX I have received 3 of the same vague letters from Shellpoint by certified mail. Letters are dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The letters state Shellpoint has made at least 3 attempts to contact me to discuss my financial situation and explore options to avoid foreclosure. What?!? I keep receiving the same certified letter. Each time, I have called and cleared the issue at Shellpoint. And again, I receive the same certified letter. 

I have a CONV 30 YR FXD mortgage since XXXX with the same monthly payment of {$1900.00}. My mortgage payment is setup on bill pay through my bank to be paid on the XXXX of every month. I have made my mortgage payment this same way since XXXX without issue. As of today, my mortgage payment is current.

My property taxes were paid on time to the County of XXXX XX/XX/XXXX. My online account for property taxes shows no balance due, account is current. 

My HOI policy renewed XX/XX/XXXX. My insurance broker sent the renewal policy to Shellpoint at the time of renewal and again on XX/XX/XXXX due to receiving a certified letter on XX/XX/XXXX. CSR XXXX XXXX at Shellpoint confirmed receipt of my current HOI policy and confirmed account is current. Today I spoke with Supervisor XXXX XXXX who advised me to call back in 72 hours for updated status on my account. Apparently lender-place insurance was put on my account in error.???

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3500.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2800.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3900.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2700.00} XXXX XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$6000.00} INQUIRIES : XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief