vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-21 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: IL

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, XXXX, 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 non-monetary relief
Consumer complaint received 2025-10-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Recently I checked my TransUnion credit report and see few inaccurate report in my record and as a formal notice of violation of my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

The following accounts have violated my rights to privacy and confidentiality under 15 U.S.C. 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have been reported or verified inaccurately, and as such, are in direct violation of the FCRA. 

According to 15 U.S.C. 1681e ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), If after any reinvestigation the disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency shall promptly delete or modify that item and notify the furnisher of the results. 

Additionally, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), 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. 

These statutes clearly outline your responsibility to ensure the accuracy, privacy, and integrity of all consumer information you report or furnish. Failure to comply with these laws constitutes a violation of my federal rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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: VA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: NY

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$2300.00} XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$140.00} XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$1900.00}

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 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: NY

Complaint narrative:
I am writing to formally dispute and request reinvestigation of inaccurate or unverifiable information contained in my XXXX  credit file, pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C.

1681i. The following item requires verification or deletion : - * * Creditor : * * Discover Card ( Account ending in XXXX ) - * * Status Reported : * * " Item in Dispute by Consumer '' Please verify this account with the furnisher of information, or remove it from my file if verification can not be completed within 30 days, as required by 1681i ( a ) ( 1 ) ( A ). Additionally, please correct the following inaccuracies : 1. Duplicate or inconsistent address listings ( XXXX XXXX XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXX ). 2. Review XXXX XXXX XXXX XXXX ( XXXX  ) account listings for accuracy and consistency across bureaus per 1681s-2. Under 609 ( a ), I am requesting full disclosure of all information used to verify the above item ( s ). Please provide me with written confirmation of your findings and any updates made to my credit file. Enclosed are copies of my government-issued identification and proof of address to verify my identity. 
Thank you for your prompt attention to this matter. Please respond in writing to confirm the completion of this reinvestigation. Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FRAUDULENT INQUIRIES : XXXX XXXX XXXX - XX/XX/2023 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 2025-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I am writing to respectfully request that my fraud claim, originally submitted on XX/XX/year> under Claim # XXXX, be-re- opened for investigation with an full. The claim pertained to unauthorized transactions made at XXXX via XXXX in -the amounts of {$300.00} and {$170.00}. The bank gave me credit for the charges while they did the the investigation on XXXX. However, the claim was initially denied on XXXX for the XXXX and the bank removed XXXX from my account on XXXX. The fraud claim for the amount of XXXX was denied and the bank removed the XXXX from my account on XXXX. The claim was denied because XXXX submitted defending documentation implying that I had authorized the transactions. Following the denial, I requested copies of the evidence provided by XXXX. Upon reviewing the supporting documentation, I discovered significant discrepancies that clearly indicate these transactions were not authorized by me. 
Specifically : The transactions were conducted on two different computers that do not match the XXXX  address of my personal device. 
The delivery tracking information provided shows that the merchandise was delivered to an address other than my own. 
I submitted photographic evidence of my home and proof of my actual XXXX  address to confirm that I neither placed the orders nor received the items. 
Despite providing this evidence, my claim was denied again, and I was advised to contact XXXX directly. However, XXXX fraud/customer service department was unable to issue a refund and referred me back to my bank for resolution. 

I attempted to resolve this matter via three way communication with XXXX and my bank. The bank requested XXXX send documentation stating that I did not authorize these transactions, however, the customer service agent and manager stated that they could not provide this information. However, I did receive an email from XXXX stating that this fraud matter needed to be handle by my bank. 

I contacted my bank again and had to submit a new fraud claim. To support this request/fraud claim, I enclosed an email from XXXX acknowledging that they apologize for the unauthorize transactions and provided an incident number confirming my report. This is the only correspondence I have received from XXXX regarding the matter. 
I provided this information from XXXX in addiction the photographic pictures of the packages being delivered to two different locations and not my home ( a picture of my home was provided ), along with a picture of my personal computer XXXX  address and the bank denied the fraud claim again. :.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Due to a period of XXXX, I was unable to make timely payments on my credit card. It was a difficult time in my life, but Ive taken steps since then to rebuild and make things right. Im committed to addressing my past due balances and improving my financial habits.

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 2025-10-21 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: Spring Oaks Capital, LLC
State: TN

Complaint narrative:
Victim of ID theft. Accounts being reported on my consumer reports are fradulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Colony Brands, Inc.
State: IL

Complaint narrative:
Country Door sent me my Bill, I only owed : {$380.00} I paid the first payment, they took it out of my account {$25.00}, the next Bill came out and I sent them {$70.00}, I had XXXX to send them the money, digitally, the money was sent on XX/XX/year> ... they got the money on XX/XX/year> ... in the amount of {$70.00} ... I emailed them the receipt from XXXX, and they still saying they did not get the money,,, I am not late on my bill, and they caused my credit score to go down from XXXX to XXXX ... after I made this complaint...

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: TN

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I 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 response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute Regarding Inaccurate Reporting Under 15 U.S. Code 1681e To Whom It May Concern : I am writing to formally dispute inaccurate information being reported on my credit file in violation of 15 U.S. Code 1681e ( b ), which requires credit reporting agencies to adopt reasonable procedures to ensure maximum possible accuracy of the information reported. The errors identified on my report are unacceptable, and I demand immediate correction. 

The specific inaccuracies in question are as follows : ACCOUNT NAME : 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 Legal Basis for Dispute Under 15 U.S. Code 1681e ( b ), your agency is legally obligated to maintain procedures to ensure maximum possible accuracy. The inaccuracies in my report are clear violations of this standard. Furthermore, under 15 U.S. Code 1681i ( a ), you are required to conduct a reasonable reinvestigation of disputed information and resolve the matter within 30 days. 

If you are unable to verify the accuracy of the disputed information within the statutory timeframe, the law mandates its deletion from my credit file. Failure to comply will result in further actions, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursuing legal remedies if necessary. 

Resolution Requested I demand the following actions : 1. Conduct a thorough investigation into the inaccuracies listed above.

2. Remove or correct the inaccurate information from my credit file.

3. Provide me with written confirmation of the actions taken, including a revised credit report.

4. Identify the sources of the disputed information.

Final Notice I expect a written response within 30 days, as required by law. Failure to address this dispute adequately may result in legal action to enforce my rights under the Fair Credit Reporting Act and recover damages caused by your negligence. 

Thank you for your prompt attention to this matter. I can be reached at [ Your Phone Number ] or [ Your Email Address ] if you require further clarification or additional documentation. 

Sincerely, 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 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My name is XXXX XXXX XXXX complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2025-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: M&T BANK CORPORATION
State: TX

Complaint narrative:
I applied for a mortgage deferment after returning to work from an assistance program. 

M & T Bank mailed my deferment acceptance letter on XX/XX/year>, which I received XX/XX/XXXX. I signed and mailed it back on XX/XX/XXXX, using the provided return envelope, one of the banks listed approved methods ( mail, email, fax ). 

On XX/XX/XXXX, M & T mailed a denial letter stating my response was received late. On XX/XX/XXXX, a representative confirmed receipt on XX/XX/XXXX, and on on Friday XX/XX/XXXX admitted ( over a recorded line ) that the instructions read as if mailing was the preferred response method. Despite this, I was told the offer expired XX/XX/XXXX and date that is unreasonable to meet. 
On XX/XX/XXXX, the representative acknowledged that the reason this was a problem for me is because I was so responsive, normally people miss the deadline and just reapply. The usually give people 14 days, minus the time the papers spend in shipping. 

I experienced significant XXXX XXXX XXXX credit damage : My credit score dropped XXXX points due to a delinquency reported XX/XX/XXXX. 

My mortgage was referred to foreclosure on XX/XX/XXXX, I have still not received written notification. The only notification was when I called and asked about why I couldn't make a payment online. 

I cried on two separate calls with representatives due to their dismissive tone and lack of empathy. 


I am requesting : Correction of the delinquency and reversal of all fees. 

Removal of foreclosure referral until the issue is fully reviewed. 

Written acknowledgment of error Consideration of Goodwill compensation for XXXX  and harm caused.

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 2025-10-21 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: United Collection Bureau, Inc.
State: TN

Complaint narrative:
Victim of ID theft. Accounts being reported on my consumer reports are fradulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX  who is reporting negative items on my credit report which is holding me back from getting credit and getting into a new home to support my family. By case law as the debt collector didn't notify in five days as required by law to notify me about the debt or assume the debt would be valid nor did they get my permission to report it on my credit 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 non-monetary relief
Consumer complaint received 2025-10-21 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: GA

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-10-21 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: TX

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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