vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-07 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: FL

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXXXXXX 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 2025-11-07 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:
I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by Equifax Information Services LLC. Despite previous requests for correction, these violations continue to negatively impact my credit report and financial standing. 
Details of the Complaint : XXXX. Failure to Ensure Maximum Possible Accuracy The FCRA requires that credit bureaus and creditors ensure the accuracy of the information they report. My credit report contains inaccurate entries from 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 XXXXXXXX, XXXX remain unverified despite formal disputes, causing significant harm to my credit score and credibility. Previous attempts to address these inaccuracies have been inadequately handled, demonstrating a failure to uphold FCRA standards for accuracy.

10. Inadequate Investigation and Reliance on Automated Verification Systems Under FCRA, 15 U.S.C. 1681i ( a ) ( 7 ) and 1681s-2, creditors and credit bureaus must conduct thorough investigations of disputed information. However, my previous disputes have been met with automated responses through systems like e-OSCAR, which fail to meet legal requirements for a complete investigation. This approach neglects a comprehensive review of the disputed entries, perpetuating inaccurate information on my report. 
XXXX. Non-Compliance with Truth in Lending Act ( TILA ) Requirements As outlined in TILA, creditors must issue clear and accurate billing statements and disclose essential account information to consumers. Equifax Information Services LLC has not adhered to TILA requirements in handling my account, resulting in erroneous charges and inaccurate reporting. This failure to comply with TILA has compounded the inaccuracies on my credit report, further violating my rights as a consumer.

12. Violation of FDCPA Standards for Accuracy and Non-Deceptive Practices The FDCPA mandates that debt collectors and furnishers of information must report accurate, verifiable data. The accounts in question have been repeatedly reported inaccurately, with misleading information that has not been corrected despite my disputes, constituting a violation of FDCPA protections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2025-11-07 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: LA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-11-07 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: NJ

Complaint narrative:
I am filing this complaint against the credit reporting agencies and furnishers for reporting inaccurate and unverifiable information on my credit report. Despite my previous attempts to have these errors corrected, they continue to appear, negatively impacting my credit profile and violating my rights under the Fair Credit Reporting Act ( FCRA ). 

Below are the specific inaccuracies I am disputing : XXXX XXXX, XXXX XXXX, NJ XXXX Wrong Address This address is not associated with me and should not appear on my credit file. I have no connection or residency history at this address. 

XXXX XXXX XXXX XXXX, XXXX, FL XXXX Wrong Address This is another incorrect and unauthorized address listed in my credit file. I have no association with this location whatsoever. 

XXXX XXXX ( Account ending in XXXX ) Late Payment Reporting XXXX XXXX This account is being reported with a late payment history that is completely inaccurate. I have never made a late payment on this account, and the furnished data is erroneous and misleading. I am requesting an immediate investigation and correction to reflect an accurate payment history. 

XXXX XXXX XXXXXXXX XXXX  Hard Inquiry Dated XX/XX/year> I have no record of authorizing or initiating any credit inquiry with XXXX XXXX XXXX on this date. This inquiry was made without my knowledge or consent and constitutes an unauthorized access to my credit file. 

These items are in clear violation of my rights under the FCRA, specifically Sections 604 and 611, which require that all information reported must be accurate, verifiable, and authorized.

I am demanding a full investigation into these inaccurate and unauthorized items. Please ensure that the credit reporting agencies and furnishers provide proper documentation verifying the accuracy and authorization of each item. If they are unable to provide such proof, these items must be deleted or corrected immediately. 

I expect written confirmation of the actions taken in response to this complaint. Thank you for your prompt attention to this matter.

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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

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 2025-11-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: M&T BANK CORPORATION
State: FL

Complaint narrative:
My XXXX  XXXX Bankruptcy case doesnt prohibit a mortgage loan recalculation I just need the escrow to reflect the corrected insurance amount. 

This company had difficulty connecting me to the Bankruptcy Escrow or XXXX XXXX Department so its handled through the right channel ; when they finally did the escrow or point of service contact team refused to run an analysis ; Here is what I asked for : Requested an immediate re-analysis of my escrow account. 

My forced-placed insurance premium of {$7500.00} has been replaced by a new homeowners policy costing {$2900.00} effective XX/XX/year>. 
The difference exceeds {$4000.00} and materially affects my monthly payment. 

Based on the new analysis, this would adjust my escrow balance and monthly payment accordingly and confirm the forced-placed refund will be credited to my account. However M and T Bank provides multiple excuses as to reasons they can not do a loan recalculation. Claiming they will only do in 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 2025-11-07 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: IN

Complaint narrative:
To Whom It May Concern, I am submitting this complaint because my credit report contains multiple serious inaccuracies that violate my consumer rights under the Fair Credit Reporting Act ( FCRA ). I have already contacted the credit reporting agencies, but these errors continue to appear and harm my credit reputation. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( Acct : XXXX * ) * * High Balance : {$410.00} Date Opened : XX/XX/XXXX Issue : Late Payment This account is reporting a late payment that is completely inaccurate. I have never made a late payment to this creditor, and there is no documentation that supports such a derogatory mark. Please correct the payment history to reflect all on-time payments and remove any late mark immediately. 
XXXX XXXX ( Acct : XXXX ) High Balance : {$790.00} Date Opened : XX/XX/XXXX Issue : Late Payment This account is also inaccurately reporting a late payment. I have maintained consistent, timely payments with XXXX XXXX, and no proof of delinquency exists. I request full verification and correction of this reporting. 
Unauthorized or Unverified XXXX Inquiries I am also disputing the following inquiries that were made without my authorization or valid permissible purpose under FCRA 604. I did not apply for credit with these entities, and I request immediate removal : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX Each of these inquiries should be fully verified with documentation proving that I authorized them. If such proof can not be provided, they must be deleted immediately. 
Requested XXXX I am requesting that the CFPB ensure the following actions are taken by the credit bureaus and creditors involved : XXXX. Remove all incorrect addresses from my personal credit file. 
XXXX. Correct the late payment errors on my XXXX XXXX  XXXX and XXXX XXXX accounts. 
XXXX. Delete all unauthorized inquiries listed above. 
XXXX. Provide me with written confirmation and updated credit reports reflecting these corrections. 
Harm Caused These errors have negatively impacted my credit score, interfered with my ability to obtain credit, and caused unnecessary emotional distress and time lost disputing inaccurate data. The reporting agencies and furnishers are in violation of FCRA sections 604 ( a ), 607 ( b ), and 611 ( a ) for failing to maintain accurate information and to properly investigate disputes. 
I respectfully request the CFPBs assistance in ensuring that these violations are investigated promptly and that all inaccurate or unverifiable information is removed from my credit reports. 
Thank you for your attention and help in protecting my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: CA

Complaint narrative:
Dear Experian, I am writing to formally dispute the following inquiries on my Experian credit report. These inquiries were not authorized by me and appear to be inaccurate. I request that you investigate these inquiries and remove any that can not be verified. Below is the detailed list of disputed inquiries : 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 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 2025-11-07 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: FL

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 credit 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 explanation
Consumer complaint received 2025-11-07 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: FL

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 credit 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 2025-11-07 00:00:00
Product: Mortgage — VA 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: LoanCare, LLC
State: TX

Complaint narrative:
I completed a loan modification in XX/XX/XXXX, under duress and fear of losing my home. I had to do the modification due to the mortgage company disregard of my tax exempt status. I submitted the paperwork to them in XXXX of XXXX to claim my XXXX XXXX XXXX veteran tax exemption and homestead claim allowed to me by the XXXXXXXX XXXX XXXXXXXX. The lender failed to acknowledge the exemption status and remove the taxes from the monthly payments. I called them several times over the course of months after submitting the proper documents for my claim to which I got different information each time. I also completed a forbearance application on the account to help mitigate the impact of none payments during this time. The solution was to finally do a loan modification on the home. To which I signed again under duress. 

The fees associated with the loan modification were not explained to me nor where they itemized on the modification documents. I only learned the details of the totals when I recently requested a payment history for the loan as I'm in the process of selling the home. When I received that information I was able to calculate the amounts. This is when I discovered the total still included taxes. The mortgage company did issue a refund to me in the amount of {$6200.00} on XXXX from the escrow account. 

On a called to LoanCare on XXXX, I was told by LoanCare to submit a request in writing detailing my request to have the partial claim amount adjusted. After further research and contacting XXXX XXXX tax appraisal 's office, I submitted the written request to LoanCare on XXXX. The new amount of the partial claim should be {$24000.00} with the information given. The breakdown of the modification is below. 

Principle XXXX Escrow XXXX ( Insurance payment was XXXX XXXX ) Interest XXXX Total XXXX On a call to LoanCare on XXXX to follow up on the status on my request, I was informed the request wouldn't be granted because the paperwork was filed with XXXX XXXX XXXX  accessors office. I asked to be put on a call with somebody in the department that handles the request to hear directly from them on why the information can't be updated when the documentation provided shows a clear picture the total is incorrect. 

I did visit with the XXXX XXXX  assessors office who has updated my tax exemption status to reflect the exempt started on XXXX. The refund for the taxes paid prior to that time will be issued back to the mortgage company on XXXX. I did request that this be escalated due to my plan to sell the home.

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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
They have old addresses that were removed from my account and are using illegal and fraudulent name on my 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