vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-06 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:
Under the FDCPA and FCRA, verification is not just a name matchit is a sworn affidavit or certified statement of truth. Per 15 U.S.C. 1681n, your continued reporting without proper verification is willful noncompliance.

I demand proof of delivery of the initial dunning letter within 14 days of placing this account on my credit report, including a certified mail tracking number. If you can not provide this, you must delete this tradeline immediately and cease all collection activity, including reporting.

I never had an account with Professional Debt, and you are neither the original creditor nor a valid assignee. Debt buyers are not creditors under the law.

This account is still within the federal debt validation window, per 1006.34. Failure to comply will result in further action to seek justice for the 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 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing you about the Fraudulent use of my social security number due to the XXXX Data breach. I believe I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint XXXX XXXXXXXX. I also included a signed and notarized copy of my Affidavit of Facts and Truth so there will be no discrepancy on the fraudulent accounts listed by me. The information below, which appears on my credit report, does Not relate to any transactions that I have ever made or accounts I have opened. It is the r 1. XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account 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 non-monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH

Complaint narrative:
I am submitting this complaint regarding an account reported by XXXX XXXX on my credit report. The account shows a charged-off status with a balance of {$9500.00} as of XX/XX/XXXX, account number ending in XXXX. The account was previously disputed and updated in XX/XX/XXXX but still reports as valid, despite being the result of unauthorized services and fraudulent. I never authorized this account or the charges associated with it. The account was opened on XX/XX/XXXX, without my knowledge or consent. Despite my prior dispute, Experian failed to provide any documentation or the method of verification to support XXXX 's claim that the account is accurate. 
According to the Fair Credit Reporting Act ( FCRA ) : Under 15 U.S.C. 1681i ( a ) ( 1 ), the credit report agency must conduct a reasonable reinvestigation.

Under 1681i ( a ) ( 5 ) ( B ), if a previously deleted or modified item is reinserted, it must be certified as accurate by the furnisher.

Under 1681i ( a ) ( 6 ), the credit report agency must notify me of the results of the reinvestigation and provide the method of verification.

Experian, TransUnion and Equifax did not : Provide documentation or proof of the alleged debt. Did not Notify me that the information had been reinserted.

Did not provide the name, address, and contact info of the party who verified the account.

I believe this violates multiple sections of the FCRA and puts me at continued risk of financial harm and creditworthiness damage.

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 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NH

Complaint narrative:
I am submitting this complaint regarding an account reported by XXXX XXXX on my credit report. The account shows a charged-off status with a balance of {$9500.00} as of XX/XX/XXXX, account number ending in XXXX. The account was previously disputed and updated in XX/XX/XXXX but still reports as valid, despite being the result of unauthorized services and fraudulent. I never authorized this account or the charges associated with it. The account was opened on XX/XX/XXXX, without my knowledge or consent. Despite my prior dispute, Experian failed to provide any documentation or the method of verification to support XXXX 's claim that the account is accurate. 
According to the Fair Credit Reporting Act ( FCRA ) : Under 15 U.S.C. 1681i ( a ) ( 1 ), the credit report agency must conduct a reasonable reinvestigation.

Under 1681i ( a ) ( 5 ) ( B ), if a previously deleted or modified item is reinserted, it must be certified as accurate by the furnisher.

Under 1681i ( a ) ( 6 ), the credit report agency must notify me of the results of the reinvestigation and provide the method of verification.

Experian, TransUnion and Equifax did not : Provide documentation or proof of the alleged debt. Did not Notify me that the information had been reinserted.

Did not provide the name, address, and contact info of the party who verified the account.

I believe this violates multiple sections of the FCRA and puts me at continued risk of financial harm and creditworthiness damage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I have a Mortgage with Mr. Cooper for 16 years. I have been making my payments automatically with my escrow payment for insurance and taxes. This was a fha loan and they required me to have the account set up with auto pay for insurance and taxes. Today XX/XX/XXXX I received a escrow review statement that was refunding me for extra in my escrow account. I reviewed the statement since this has happened in the past and noticed they didn't pay the insurance for one of the units. I have a XXXX XXXX which has it's own policy for each unit. I called customer service at XXXX and spoke with the insurance department. They acknowledge that a payment wasn't made by them. They were reaching out to there internal insurance department to have them make a overnight payment to my insurance XXXX. I spent 2 hours on the line waiting on hold. The representative then dropped the call. I called my insurance company and let them know the situation and they said I would have to re write the policy since the payment wasn't made in XXXX. Now I am concerned that XXXX will charge me more for the new policy. Mr. Cooper made this mistake before in the past and it seems like this happens every few years.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
Dear Consumer Financial Protection Bureau, My name is XXXX XXXX, and I am reaching out to formally address a very serious issue with the Apple Card, issued by Goldman Sachs Bank USA, XXXX XXXX XXXX Branch. My experience with this company has become increasingly unprofessional, prompting me to file this complaint and seek legal guidance. I have been an Apple Cardholder for a considerable period, during which I have encountered several negative incidents, including unauthorized transactions and disputes. As someone who frequently uses their credit card for online purchases, occasional issues are anticipated. However, the current situation has escalated to an unacceptable level. On XX/XX/year>, I received a notification that my Apple Card account had been closed, apparently rendering it unusable moving forward. This abrupt action by Apple is both unprofessional and unjustifiable, particularly as it seems to disregard my legal rights to file disputes or chargebacks for undelivered goods and services. One such incident involved a transaction with the XXXX XXXX for an XXXX, where I was promised a trade-in credit. Despite assurances that this credit would be applied to my account, I discovered that it was instead added as a gift card balance. Upon realizing this discrepancy, I contacted Apple, who advised me to file a chargeback. After doing so, my gift card balance inexplicably became unavailable. Even more concerning, Apple closed the dispute in their favor while simultaneously freezing my gift card balance. Efforts to resolve the issue through their support teams have been futile, as I am consistently redirected to different departments without receiving clear answers or solutions. The closure of my account under these circumstances is unjust and could negatively affect my credit score. As a customer who has always upheld a good credit standing, I find this situation deeply troubling. I am therefore requesting legal assistance to address what I believe to be an illegal and damaging account closure by Apple Card and Goldman Sachs Bank USA. Your intervention and expertise in this matter would be greatly appreciated. I am prepared to take further legal action if necessary to protect my rights and financial standing. Thank you for your attention to this urgent matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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:
I insist that these fraudulent accounts be eliminated from my credit report, as I never opened them and had no knowledge of their existence. Per USC 1681g, I am requesting their deletion within 15 days. Enclosed are relevant documents as proof.

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 2025-06-06 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 non-monetary relief
Consumer complaint received 2025-06-06 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:
b'Despite multiple written requests, the unverified accounts listed\nbelow continue to report on my credit report in violation of\nfederal law. I sent a letter to the credit bureau but I never\nreceived a response from them. These accounts must be\nvalidated by Sections 609 (a) (1) (A) and 611 (a)\n(1) (A). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possibleXXXX 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 non-monetary relief
Consumer complaint received 2025-06-06 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: NY

Complaint narrative:
This letter serves as my third formal dispute and demand for correction regarding inaccurate personal information on my credit report, which remains unresolved despite two previous written communicationson XX/XX/XXXX, and XX/XX/XXXX. 


My correct and current personal information is : Full Name : XXXX XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX SSN : XXXX XXXX : XXXX  In each of my prior letters, I included all required documentation under the Fair Credit Reporting Act ( FCRA ), including : A copy of my government-issued ID A utility bill verifying my current address A copy of my Social Security card Despite this, the inaccurate address remains on my report, and I have received no written response or evidence of a reinvestigation, which is a direct violation of your obligations under FCRA 1681i ( a ) ( 1 ). You are legally required to conduct a reasonable reinvestigation and respond within 30 days of receiving a dispute. 

Additionally, continued reporting of inaccurate personal information violates the FCRA 's requirement to ensure the maximum possible accuracy of consumer data, as stated in FCRA 1681e ( b ).

I Am Now Demanding the Following Actions : 1.Immediate deletion of the inaccurate address from my credit file 2.An updated and corrected copy of my credit report 3.Written confirmation of the steps taken to resolve this dispute and correct my file. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY, 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 2025-06-06 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: TN

Complaint narrative:
I am writing to notify you that I submitted a credit dispute pursuant to the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681i ( a ) ( 1 ), which grants consumers the right to dispute inaccurate or incomplete information on their credit report.

As of the date of this letter, you have failed to complete the required reinvestigation and provide the results within the 30-day timeframe mandated by federal law. This lack of response is a direct violation of FCRA Section 611 ( 15 U.S.C. 1681i ), which states :

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 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am writing to notify you that I submitted a credit dispute pursuant to the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681i ( a ) ( 1 ), which grants consumers the right to dispute inaccurate or incomplete information on their credit report.

As of the date of this letter, you have failed to complete the required reinvestigation and provide the results within the 30-day timeframe mandated by federal law. This lack of response is a direct violation of FCRA Section 611 ( 15 U.S.C. 1681i ), which states :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: TN

Complaint narrative:
I am writing to notify you that I submitted a credit dispute pursuant to the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681i ( a ) ( 1 ), which grants consumers the right to dispute inaccurate or incomplete information on their credit report.

As of the date of this letter, you have failed to complete the required reinvestigation and provide the results within the 30-day timeframe mandated by federal law. This lack of response is a direct violation of FCRA Section 611 ( 15 U.S.C. 1681i ), which states :

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 2025-06-06 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: NY

Complaint narrative:
I reviewed a copy of my credit report and there are some if not all unauthorized credit inquiry on me.

I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy.

below.

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  UT XXXX  : Account Number Date Opened High  Credit Credit Limit Terms Duration Terms Frequency Months Revd Activity Designator Creditor Classification XXXX XXXX XXXX XXXX  Monthly 47 Paid and Closed Date of Last Reported Update Balance Amount Amount Past Due Date of Last Payment Actual Payment Amount Scheduled Payment Amount Date of 1st Delinquency Date of Last Activity Date Maj Del. 1st Reported Charge Off Amount Deferred Pay Start Date Balloon Pay Amount Balloon Pay Date  Date Closed XXXX XXXX XXXX XXXX  Status - Pays As Agreed; Type of Account - Revolving; Type of Loan - Credit Card; Whose Account - Individual Account; ADDITIONAL INFORMATION - Account Previously in Dispute - Now Resolved by Data Furnisher;'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: TN

Complaint narrative:
The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1635. XXXX XXXX XXXX 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. I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and inaccurate. And according to the fair credit reporting act whenever a consumer report it shall follow reasonable procedures to assures maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC ( e ) ( b ). And according to 15 USC 1635 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information under paragraph ( 1 ) of any information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information has be modified or deleted from the file of the consumer. And according to 15 USC 1635 they are supposed to not furnish any information relating to a 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 2025-06-06 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. 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. Please take necessary actions for my complaint, Ive been very patient on 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 2025-06-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I've had several credit cards I called and closed because they weren't my cards, but my information was used. I see them on my credit report and want them removed from my XXXX report. 

They are accounts with Bank of America.

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