vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-14 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: GA

Complaint narrative:
The credit bureau is reporting inaccurate and illegally re-aged information for my XXXX XXXX XXXX XXXX credit card accounts. The reporting includes : Illegal on record until dates extending to XXXX Missing or inconsistent Date of First Delinquency ( XXXX  ) Conflicting statuses ( charged off and closed at consumers request ) Past-due amounts reported years after account closure Updates showing activity long after the account was inactive Different information on each bureau Payment data appearing after charge-off Violations of FCRA 1681c ( a ), 1681e ( b ), and 1681i I disputed the information directly with the credit bureau, but the bureau continues to report inaccurate, contradictory, and unverifiable information. They failed to conduct a reasonable reinvestigation as required under the FCRA. 

I am requesting CFPB assistance to have these inaccurate XXXX XXXX accounts permanently deleted from 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 explanation
Consumer complaint received 2025-11-14 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: TX

Complaint narrative:
TransUnion is reporting inaccurate and unverified information about me. I disputed in writing that TransUnion is reporting multiple incorrect personal identifiers ( wrong names, wrong previous addresses, wrong employers, and incorrect birth year ) that I did not authorize and that do not match my correct identity. TransUnion has also reported several unverified inquiries, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. None have been proven to have permissible purpose. TransUnion is also reporting a XXXX XXXX XXXX account with a truncated account number that appears inconsistent across bureaus and is not fully verifiable or Metro-2 compliant. These items violate FCRA 1681e ( b ), 1681i, and 1681b. I requested a reinvestigation and proof of verification, but TransUnion has failed to correct or validate the 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 2025-11-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
My mortgage payment increased from XXXX to XXXX monthly due to an increase in escrow. When I looked up the tax value of my area, the taxes for city district and county are much lower than what Im being charged on phh mortgage. When I called to complain ; they increased by taxes by another XXXX XXXXXXXX.

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 2025-11-14 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:
Good day, I am writing to follow up on my previous letter where I requested the three credit bureaus to remove the remaining fraudulent items from my credit report. I am sending this letter to ensure that Experian, Equifax, and TransUnion credit bureaus will indeed remove the items listed below. Additionally, I would like to express my gratitude for removing some of the fraudulent items from my credit report. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$21000.00} Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} Original Creditor XXXX  XXXX  XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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:
Good day, I am writing to follow up on my previous letter where I requested the three credit bureaus to remove the remaining fraudulent items from my credit report. I am sending this letter to ensure that Experian, Equifax, and TransUnion credit bureaus will indeed remove the items listed below. Additionally, I would like to express my gratitude for removing some of the fraudulent items from my credit report. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$21000.00} Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} Original Creditor XXXX  XXXX  XX/XX/year>

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 2025-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: AL

Complaint narrative:
My Discover credit card bill was due XX/XX/year>, I don't recall how I missed my payment be never had before. So my XX/XX/year> bill arrives and I quickly notice the " Your payment is past due '' statement. So, I quickly call Discover and handle the matter. I paid {$180.00}. In the meantime, I notice a {$30.00} fees charge and {$3.00} interest charge. So, I discuss it with XXXX and his supervisor XXXX. XXXX advised me the late fee and the interest charge would be removed/waived! So, my XX/XX/year> bill arrives and states {$180.00} paid, {$30.00} late charge refunded, but the was not correct! The fees of {$30.00} was refunded but NO INTEREST CHARGE of {$3.00} AND, PLUS on Top of All that there's a new INTEREST CHARGE of {$1.00} totalling a NEW BALANCE of {$4.00}! So, I went ahead and paid the {$4.00} to keep down confusion and just call back in later. So, I called back in XX/XX/year> and the {$1.00} was credited BUT there's still {$3.00} that needs to be credited/waived! I've NEVER had any problems out of Discover until now. I made the correct amount that I owed and I was advised the remainder would be rectified. It's XX/XX/year>, and I'm still trying to handle a {$3.00} credit with a multi XXXX dollar credit card company! AMAZING! This is RIDICULOUS!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-14 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: WA

Complaint narrative:
I am not affiliated with these creditors and did not authorize this inquiry. I request its prompt removal from 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 2025-11-14 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: MI

Complaint narrative:
I am writing to formally dispute and request the immediate deletion and permanent blocking of fraudulent, inaccurate, and unverifiable data currently being reported on my TransUnion credit file. 
These entries are the result of identity theft and were not authorized by me. My dispute falls under the guidelines of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Gramm-Leach-Bliley Act ( GLBA ), and the XXXX XXXX credit reporting standard. 
This dispute should be processed electronically using your automated systems. This includes classification under Dispute Code XXXX Fraudulent, and application of structured fraud suppression logic for entries that were never initiated or authorized by me. As a consumer, I am specifically requesting that your system perform an automated suppression review, and that the data elements I detail below be processed as a factual dispute without escalation to manual review unless statutorily required

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 2025-11-14 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: SC

Complaint narrative:
Company : XXXX  XXXX Account Number : XXXX To Whom It May Concern, I am writing to formally dispute several fraudulent accounts and inquiries that appear on my credit report. I am a victim of identity theft, and these accounts were opened without my knowledge, authorization, or consent. This letter, along with the attached FTC Identity Theft Report, serves as my official statement regarding the crime.

I request that you investigate, block, and permanently remove all fraudulent information listed below in accordance with the Fair Credit Reporting Act ( FCRA ), including sections 605B and 609 ( e ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: SC

Complaint narrative:
Company : XXXX  XXXX Account Number : XXXX To Whom It May Concern, I am writing to formally dispute several fraudulent accounts and inquiries that appear on my credit report. I am a victim of identity theft, and these accounts were opened without my knowledge, authorization, or consent. This letter, along with the attached FTC Identity Theft Report, serves as my official statement regarding the crime.

I request that you investigate, block, and permanently remove all fraudulent information listed below in accordance with the Fair Credit Reporting Act ( FCRA ), including sections 605B and 609 ( e ).

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 2025-11-14 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: WA

Complaint narrative:
I am submitting this follow-up regarding my previous dispute concerning numerous inaccuracies appearing on my credit report. After reviewing the results of that investigation, I have determined that many of the reported issues remain unresolved, inaccurately reported, or unverifiable. These continued discrepancies misrepresent my true credit history and create an incomplete and misleading portrayal of my financial responsibility. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year> Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am formally requesting a comprehensive and immediate reinvestigation of all disputed items. I expect that each item will be thoroughly reviewed, corrected, updated, or removed as required by federal law to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: WA

Complaint narrative:
I am submitting this follow-up regarding my previous dispute concerning numerous inaccuracies appearing on my credit report. After reviewing the results of that investigation, I have determined that many of the reported issues remain unresolved, inaccurately reported, or unverifiable. These continued discrepancies misrepresent my true credit history and create an incomplete and misleading portrayal of my financial responsibility. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year> Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am formally requesting a comprehensive and immediate reinvestigation of all disputed items. I expect that each item will be thoroughly reviewed, corrected, updated, or removed as required by federal law to ensure the accuracy and integrity of 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 explanation
Consumer complaint received 2025-11-14 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: DE

Complaint narrative:
Due to an incident of identity theft, several unauthorized and fraudulent inquiries have been placed on my credit reports. I did not authorize any of these inquiries, and I was completely unaware of them until I obtained and reviewed my credit file. 

The specific unauthorized inquiries are listed below : XXXX XXXX XX/XX/year> XXXX  XXXX XX/XX/year> XXXX  XX/XX/year> XXXX XX/XX/year>

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 2025-11-14 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: DE

Complaint narrative:
Due to an incident of identity theft, several unauthorized and fraudulent inquiries have been placed on my credit reports. I did not authorize any of these inquiries, and I was completely unaware of them until I obtained and reviewed my credit file. 

The specific unauthorized inquiries are listed below : XXXX XXXX XX/XX/year> XXXX  XXXX XX/XX/year> XXXX  XX/XX/year> XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: AL

Complaint narrative:
After reviewing my credit report, I discovered acct : XXXX and XXXX and Acct # XXXXXXXX XXXX XXXX XXXX XXXX address : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, and employment : BUNNS WELDING CONST entries that do not belong to me and that I never authorized. I am now also seeing a collection account reported under my name for an account I have no knowledge of and did not open. These items are the result of identity theft. I am requesting an immediate investigation, removal of all fraudulent information, and protection against any further unauthorized use of my personal identifying information. 

This account is inaccurate under 15 U.S.C. 1692g validation of debt. ____ has been reporting inaccurate and incomplete account information to my credit file. In addition, while the collector attempted to collect a debt that is not mine, they broke 15 U.S. Code 1692k - Civil liability. I am maintaining a careful record of my communications with you for the purpose of filing a complaint to the FTC if the non- compliance continues. Like, XXXX XXXX Trans Union XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX ), ________ may be liable for your willful non-compliance. Also, in XXXX XXXX Equifax XXXX XXXX XXXX ( XXXX XXXX 2018 ), ______may be liable for false reporting. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the original application, contract, note, other instrument bearing my signature and payment history. 
Under 15 U.S. Code 1681d - Disclosure of investigative consumer reports ; you are in violation. I have attached the definition so you can see the violation! ( a ) Disclosure of fact of preparation A person may not procure or cause to be prepared an investigative consumer report on any consumer unless ( 1 ) it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal characteristics, and mode of living, whichever are applicable, may be made, and such disclosure ( A ) is made in a writing mailed, orotherwise delivered, to the consumer, not later than three days after the date on which the report was first requested

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 2025-11-14 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:
Equifax is reporting inaccurate and unverified personal identifying information about me, including unauthorized names, prior addresses, outdated employers, and an incorrect birth year. I disputed these in writing. Equifaxs reporting is inconsistent with the other bureaus, including the XXXX XXXX XXXX account which appears on TransUnion but not Equifax. These inconsistencies show incomplete or XXXX reporting. Equifax is also retaining identifiers that do not match my identity and have not been verified. These issues violate FCRA 1681e ( b ), 1681i, and 1681b. Equifax has not provided proof of verification or corrected the issues after my dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: IL

Complaint narrative:
I am formally disputing the following fraudulent accounts appearing on my credit reports : Credit Acceptance, XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, and XXXX XXXX. These accounts were not opened by me and are the result of identity theft. 

I have filed both an FTC Identity Theft Report and a police report, which legally support my dispute. Under my rights as a consumer, I am demanding immediate removal of these fraudulent accounts pursuant to FCRA 605B ( Blocking of Information Resulting from Identity Theft ) and FCRA 611 ( Consumer Dispute Procedure ).

You are required to delete these accounts and block their reporting within 4 business days, as mandated by federal law. These accounts must not be reinserted unless strict reinsertion requirements are met and I am provided proper notice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Reel Time Capital LLC
State: SC

Complaint narrative:
Reeltime capital is a company who bought my debt from XXXX They called me today threatening me saying if I don't pay {$2000.00} towards a debt they bought they I would be sued my credit would be messed up I wouldn't be able to buy a house a car get a bank account and so much more also they had people calling me from restricted numbers which I posted a picture of on here and also just legal marketing called and tried to violate my rights and ask my address what I do and a lot more. They wouldn't even let me make a payment plan as hard as this economy is. I told them I lost my job around the time I got the loan and right now and they don't care and there blowing up my phone and threatening my life and so much more this isn't right!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
See the attached FTC Identity Theft Report concerning Account Number : XXXX XXXX Date XXXX. I do not recognize, nor did I authorize, this account. This is defined as Identity Theft. The furnisher has failed to provide a verified contract with my wet-ink signature proving lawful liability per the Federal Rules of Evidence 1001-1003 ; copies and reprints shall not suffice. Pursuant to 15 USC 1681c-2 ( Section 605B ), I demand the immediate blocking and detention of this account within 4 business days per the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: NC

Complaint narrative:
See the attached FTC Identity Theft Report concerning Account Number : XXXX XXXX Date XXXX. I do not recognize, nor did I authorize, this account. This is defined as Identity Theft. The furnisher has failed to provide a verified contract with my wet-ink signature proving lawful liability per the Federal Rules of Evidence 1001-1003 ; copies and reprints shall not suffice. Pursuant to 15 USC 1681c-2 ( Section 605B ), I demand the immediate blocking and detention of this account within 4 business days per the CFPB.

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