vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-03 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: FL

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible Purposes of Consumer Reports, by furnishing or reporting information on my credit file without any permissible purpose, written consent, or legal authorization. At no time did I grant authorization for this agency to obtain, use, or disclose my consumer information, and the continued reporting of such entries constitutes an unlawful act that compromises both the accuracy and integrity of my credit file. This misreporting has directly harmed my creditworthiness, caused emotional and financial distress, and placed undue barriers on my ability to secure credit, housing, and employment opportunities.

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 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am filing this complaint because the consumer reporting agency is willfully and negligently violating the Fair Credit Reporting Act ( FCRA ) by continuing to report fraudulent accounts and unauthorized inquiries that resulted from a data breach. Despite my submission of a formal dispute under Section 605B [ 15 U.S.C. 1681c-2 ] with a sworn affidavit and proof of identity, the agency has failed to block or delete the disputed items within the required four business days. Additionally, the agency has not provided any verifiable proof bearing my signature or electronic signature, as required under Section 604 [ 15 U.S.C. 1681b ], to justify the permissible purpose of these inquiries. These actions violate my consumer rights under federal law.

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 2025-09-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I just recently looked at my credit report on XXXX  and Trans Union XX/XX/XXXX, XXXX i saw some hard inquiries that did not have permissible purpose. I also attached evidence XXXXXXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX ( Miscellaneous ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXXXXXX  This inquiries has no permissible purpose to be on my report. Delete this inquiry due to violation of 15USC 1681b

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 2025-09-03 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: AL

Complaint narrative:
They violated my rights as a consumer under 15 USC 1681B. I need these items blocked and removed from my credit report. 

XXXX XXXX XXXX XXXX Account number XXXX Balance {$13000.00} Date opened XX/XX/scrub>XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: NJ

Complaint narrative:
The fair resolution is the permanent deletion and blocking of all fraudulent accounts and unauthorized inquiries listed in my complaint, as required under FCRA and related federal laws. I expect a corrected and updated credit report, along with written confirmation that these items have been removed. This must be completed within the legally required timeframe. 

If this resolution is not provided, I will have no choice but to escalate by filing formal complaints with the CFPB, FTC, XXXX, and the Attorneys General, and I am prepared to pursue legal action for statutory and actual damages as allowed under the FCRA. 

Accounts in Dispute : XXXX XXXX XXXX Account Number : 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 2025-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
Creditor : Spring Oaks Capital LLC Reported Open Balance : {$1300.00} Account Status : Open / Placed for Collection Date Opened : XX/XX/year> Collection account added to consumer report without notification!!! I do not have a contract with Spring Oaks Capital LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
Barclays Bank Delaware closed three of my credit card accounts effective immediately after a credit review, then failed to follow through on its own reconsideration process despite my multiple calls and mailed documentation. 

Accounts closed : XXXX XXXX XXXX XXXX XXXX XXXX ( ending XXXX ) XXXX XXXX XXXX XXXX ( ending XXXX ) Gap Good Rewards Mastercard ( ending XXXX ) On XX/XX/year>, Barclays sent adverse action notices citing : Number Of Recent Accounts Opened On Your Credit Report and High Usage On One Or More Accounts On Your Credit Report. The notices referenced a credit score of XXXX ( XX/XX/year> ) and listed generic factors : Derogatory public record or collection filed ; Ratio of balance to limit too high ; Too few accounts currently paid as agreed ; Length of time accounts established. 

These statements are inaccurate for my file. I immediately pulled current reports from XXXX XXXX XXXX XXXX. There are no derogatory public records or collections, my accounts are paid as agreed, and utilization is reasonable. 

Barclays letters also state : If you obtain a copy of your credit bureau report and find incorrect data, you can contact us for reconsideration after the incorrect data has been corrected on the credit reporting agency report. In early XX/XX/year> I mailed Barclays copies of my updated tri-bureau reports and requested reconsideration. I called their specialist line ( XXXX ) multiple times and was promised callbacks. No callbacks were received. I obtained XXXX call logs confirming Barclays never called me. 

Barclays closed three accounts on incorrect grounds and then ignored its own reconsideration process, causing needless harm to my credit profile ( lower available credit, shortened average age ). I am asking for a thorough, good-faith review using accurate data and reinstatement of all three accounts.

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 2025-09-03 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: CA

Complaint narrative:
I am filing a complaint against Equifax for reporting inaccurate and logically inconsistent payment history on my credit report. Specifically, my XXXX XXXX XXXX account shows a 60-day late payment in XX/XX/year>. However, both XXXX and XX/XX/year> are marked as Paid on time. A 60-day late payment is not possible without a prior 30-day late status, and none is shown or recorded. This is a factual reporting error. 

I attempted to dispute this through Equifaxs online portal, but they do not allow disputes for historical payment status or derogatory marks like " 60 days late. '' I was only able to leave a brief 249-character comment, which is not sufficient to explain the dispute. 

This inaccurate reporting violates the Fair Credit Reporting Act ( FCRA ), specifically 1681e ( b ), which requires credit reporting agencies to maintain maximum possible accuracy, and 1681i ( a ), which mandates a reasonable reinvestigation of disputed information. 

I am requesting the CFPB 's assistance to have Equifax fully investigate this dispute and either verify it with documentation from the furnisher ( XXXX ) or remove the inaccurate 60-day late mark from my file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I have request an address change for the last several months with no results. On XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and dispute was placed. The address that is list is incorrect and I know longer access to that address. I have been denied credit several time because of the incorrect address. 
This is an inconvenience and should be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I had a score of XXXX last year. I bought a XXXX so they lowered my score XXXX points insanity! Then I had a credit card I never used it it expired and closed the account. They lowered my score another XXXX points! I think the credit bureau is targeting people or completely lost their minds. Paying off a loan or credit card ect is a good thing not a bad thing. Being able to buy a motorcycle is a good thing not a bad thing. They need to put my score back to XXXX because I pay my bills on time!!

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 2025-09-03 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: OR

Complaint narrative:
Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there .. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These Bankruptcies claims that it shouldn't be on my credit report and that you released my personal information without my consent. This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!

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 2025-09-03 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EdFinancial Services
State: WA

Complaint narrative:
In XX/XX/year>, a delinquency on my federal student loan was reported without proper notice. The debt collector admitted they sent letters to an old address and that their calls likely appeared as spam and emails went to my spam folder. Despite knowing this, they didnt confirm my updated contact info or ensure I was properly notified before reporting. I had no chance to dispute the debt before it was reported. I contacted them by phone and sent a dispute letter but have not received a satisfactory response. This improper reporting caused me to be denied housing twice and caused emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: CO

Complaint narrative:
I am disputing multiple accounts on my credit report that are fraudulent and were opened without my authorization, knowledge, or consent. The presence of these accounts presents materially inaccurate information and strongly indicates identity theft. 

Under the Fair Credit Reporting Act ( FCRA ),

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 2025-09-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally disputing a fraudulent account reported under my name. I never authorized or initiated this account, and I deny any relationship to it. Its reporting is damaging, misleading, and entirely false.

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 2025-09-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am filing this complaint against LVNV Funding LLC for violating my rights under the Fair Debt Collection Practices Act ( FDCPA ). I sent LVNV Funding a written cease-and-desist request demanding they stop contacting me about an alleged debt. Despite this, they have continued to contact me, which constitutes harassment and unlawful collection activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: MortgagePros, LLC
State: ME

Complaint narrative:
We started for the first time in XXXX and got to the end of the month XXXX and refunded the appraisal fee. Then XXXX beginning of XXXX they charged my card again before I said I wanted anything to do with it and the money was out of the account by the time I got home. That was my mortgage payment money so now I am missing a payment with my mortgage company. The appraisal company was on vacation for the month of XXXX and they didn't know what to do. So for the month of XXXX, they got a real estate agent to do it. Then the appraisal came back fine. Then they failed to do the Mortgage and gave no reason other than it was their fault wont return calls. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-09-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am contacting you regarding an inaccurate hard inquiry listed on my credit report. I never authorized this inquiry, and its presence compromises the accuracy and integrity of my credit history.

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 2025-09-03 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:
Do not recognize this address please remove it from my credit report immediately! Thank you so much I am a victim of Identity theft. This is my ocial statement about the crime. 
Contact Information Contact Information Contact Information Contact Information First Name : First Name : First Name : First Name : XXXX Address : Address : Address : Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX Last Name : Last Name : Last Name : Last Name : XXXX Phone : Phone : Phone : Phone : XXXX Email : Email : Email : Email : XXXX Personal Statement Personal Statement Personal Statement Personal Statement XXXXXXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX MD XXXX Accounts Affected by the Crime Accounts Affected by the Crime Accounts Affected by the Crime Accounts Affected by the Crime Credit Card Opened by the Thief Credit Card Opened by the Thief Credit Card Opened by the Thief Credit Card Opened by the Thief Company or Organization : Company or Organization : Company or Organization : Company or Organization : the company Fraudulent Information on Credit Reports Fraudulent Information on Credit Reports Fraudulent Information on Credit Reports Fraudulent Information on Credit Reports Accounts or Charges Accounts or Charges Accounts or Charges Accounts or Charges Personal Information Personal Information Personal Information Personal Information Yes, fraudulent accounts or charges appear on my credit report Addresses : XXXX XXXXXXXX XXXX XXXXXXXX MD 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 2025-09-03 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: TX

Complaint narrative:
I am disputing the late payment reported on my account. This record is inaccurate, as I have consistently met all payment obligations on time. Reporting such false information creates unnecessary harm and misrepresentation.

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 2025-09-03 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: PA

Complaint narrative:
I am writing to formally dispute the late payment entries currently listed on my credit report. I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies remain unresolved. 
This prolonged issue has caused ongoing financial strain and has negatively affected both my credit standing and overall well-being. The process of addressing these errors has been not only frustrating but also mentally and emotionally exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to a credit report that accurately reflects my financial history. This includes the timely correction or removal of outdated, incorrect, or unverifiable information. I am therefore urging your office to take immediate and appropriate action to update or delete the reported late payment entries in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX Re : Aggressive Dispute of Inaccurate Reporting Immediate Action Required Account Number : XXXX To Whom It May Concern, This letter serves as FINAL NOTICE regarding your reckless and inaccurate reporting of the above-referenced account. You are in direct violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), and your continued failure to correct these errors constitutes willful noncompliance. 
Here Are the Facts You Can not Ignore : 1. Contradictory Payment History You are reporting the account as CLS ( closed ) in XX/XX/XXXX, yet you continue to show late payments months after closure. That is false, misleading, and illegal. 
2. Deceptive Settlement Status The file claims the account is Paid in full for less than full balance. That is an oxymoron. Either it was paid in full or settled. You can not legally report both. This violates FCRA 607 ( b ) duty of maximum accuracy. 
3. Double Punishment You are reporting months of delinquencies in addition to a derogatory settled status. This is duplicative, unfair, and clearly designed to inflict maximum credit harm. 
4. Ignored Prior Dispute Your own notes state : Completed investigation of FCRA dispute consumer disagrees. That means you already had notice of these violations but chose to leave false information on my credit file anyway. That is a blatant FCRA 611 ( a ) violation and evidence of bad faith. 
My Demands Non-Negotiable : Immediate removal of all inaccurate late payment notations after account closure. 
Correction or deletion of the Paid in settlement language. 
Full deletion of this account if you can not verify with absolute accuracy. 
You are now on notice. If this is not corrected within 30 days, I will : File a formal complaint with the CFPB, FTC, and my State Attorney General. 
Pursue litigation under FCRA 616617 for damages, attorneys fees, and punitive damages. 
This is your opportunity to fix your mistakes. If you continue reporting false information, you will face legal and financial consequences. 
Govern yourselves accordingly. 
Sincerely, XXXX XXXX XXXX XX/XX/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