vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-13 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX  Date : XX/XX/XXXX XXXX  XXXX  Date : XX/XX/XXXX XXXX  XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$350.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$790.00} XXXX XXXX XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$3100.00} XXXX OF XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2000.00} XXXX/XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$120.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$520.00} XXXX XXXX  XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX XXXX  XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$650.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$100.00} XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$62.00} XXXX/XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$16000.00} SEEDFI/CRB - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00} XXXX - Account Number : XXXXXXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$630.00}

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 2025-08-13 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: WI

Complaint narrative:
I reviewed my credit reports and found several accounts and inquiries being reported inaccurately by the companies involved. Some accounts show conflicting balances, incorrect dates of first delinquency, and duplicate reporting under different open dates. A few accounts are showing overlimit or past-due statuses despite recent payments that are not reflected, while others appear to have been re-aged to remain on my report longer than allowed by law. There are also multiple hard inquiries that I did not authorize and for which no documentation or permissible purpose has been provided. These issues have been ongoing for months, and despite previous disputes, the companies have failed to provide complete, verifiable evidence to support the reporting. As a result, these inaccuracies have continued to harm my credit profile and limit my financial opportunities.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: U.S. BANCORP
State: NJ

Complaint narrative:
Called US Bank on XXXX requesting a New Servicer letter. This bank took over my mortgagee in XXXX  from XXXXXXXX XXXX XXXX XXXX is still on my Insurance policy and the Insurance company will not release the funds from a claim until they are removed. It is a simple request that is now taking a week to resolve. I have called XXXX times and it has been escalated but still no letter. They now say XXXX hours, after they told me I would have the letter by the end of the day on the XXXX. I am beyond frustrated and no one seems to want to help. I get passed from one person to another, who then keep increasing the time they claim I will receive the letter. This company is withholding vital information and has no sense of urgency to release it to me. Awful customer service.

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 2025-08-13 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: GA

Complaint narrative:
XXXXThis CFPB complaint has been filed to request pursuant to FCRA 605B(15 . U. S. C.\n1681c2) that you, the Experian credit reporting agencys block the information appearing\non my consumer credit report that is the result of identity theft, and fraud within four\nbusiness days of you receiving this complaint. This fraudulent, inaccurateand false\ninformation consist of personal credit card accounts, auto loans, personal loansand open\nend unsecured consumer accounts as follows:XXXXINQUIRIES: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 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 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 2025-08-13 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: RI

Complaint narrative:
Re : Formal Demand for Deletion of Inaccurate Charge-Off Reporting XXXX XXXX XXXX XXXX XXXX XXXX * * * * To Whom It May Concern, This letter is a formal dispute under my rights granted by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. I have reviewed my credit report and found an entry reporting a charge-off for the above-referenced account. I dispute the accuracy, completeness, and legality of this reporting in its entirety.

Under 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable reinvestigation to verify all aspects of this account, includingbut not limited tothe original signed contract, complete payment history, proof of lawful assignment, and documentation showing the calculation of the alleged balance at charge-off. Generic data from a furnisher or automated records are not sufficient verification.

Additionally, pursuant to 15 U.S.C. 1692g ( b ), if this account was ever in the possession of a debt collector, all collection activity ( including reporting ) must cease until full validation is provided. If the debt has been sold, the original creditors continued reporting may constitute furnishing inaccurate information in violation of 15 U.S.C. 1681s-2 ( a ).

If you can not provide verifiable documentation within 30 days from the receipt of this dispute that satisfies the above requirements, you must immediately delete this account from my credit file and provide written confirmation.

Be advised that continued reporting of unverifiable, outdated, or incomplete data will constitute willful non-compliance with federal law, exposing your agency to legal action, statutory damages under 15 U.S.C. 1681n, and attorneys fees.

This is my final attempt to resolve this matter amicably. Govern yourself accordingly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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:
These accounts were not opened by me and appear to be incorrect. I request a thorough review of this matter and the removal from my credit file. Enclosed are relevant documents. Please ensure they are blocked and erased.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: LA

Complaint narrative:
I'm contacting you regarding fraudulent accounts on my consumer report linked to identity theft. I never authorized these accounts with a wet signature or any written consent. Despite previous communication with your organization, these inaccurate items remain on my report, causing significant XXXX  and financial XXXX  by misrepresenting my credit history. These fraudulent entries have prevented me from achieving important financial goals like purchasing a home and supporting my family properly.

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 2025-08-13 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: LA

Complaint narrative:
I'm contacting you regarding fraudulent accounts on my consumer report linked to identity theft. I never authorized these accounts with a wet signature or any written consent. Despite previous communication with your organization, these inaccurate items remain on my report, causing significant XXXX  and financial XXXX  by misrepresenting my credit history. These fraudulent entries have prevented me from achieving important financial goals like purchasing a home and supporting my family properly.

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 2025-08-13 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: CBC Companies, Inc.
State: SC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$2600.00} XXXX XXXX XXXXccount Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$10000.00} XXXX XXXX  Account Number : XXXX * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$4600.00} XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$4300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: HYUNDAI CAPITAL AMERICA
State: SC

Complaint narrative:
Hyundai Motor Finance has illegally reported my LEASED vehicle as included in bankruptcy to the consumer reporting agencies. 

The LEASED vehicle, a XXXX XXXXXXXX XXXX XXXX XXXX XXXX, associated with account number XXXX is being reported as included in a bankruptcy filing. This is incorrect. 

* The LEASE was NOT reaffirmed, payments were never late, and payments continue.

* The LEASE was NOT included in a repayment plan and will NOT be discharged through bankruptcy. 
* There was no bankruptcy filing related to this specific vehicle LEASE. 

{ According to the Federal Trade Commission XXXX XXXX XXXXXXXX XXXX }, investigation of the matter and deletion or correction of any inaccurate information is required. 

* When a debtor assumes a lease in bankruptcy, it signifies that they intend to continue the terms of the lease agreement, including making regular payments and adhering to the other conditions of the lease. 
* Assuming a lease means you continue to be bound by the terms of the original contract, and the lease obligations are not subject to the bankruptcy discharge. 
Copies of the following supporting documents are enclosed : * Full banking payment history from XXXX XXXX * Payment confirmation emails dated from the lease inception ( Initial payment ) XXXX XXXX * XXXX XXXX XXXX ( XXXX ) claim confirmation of my assumption of the LEASE * Schedule G confirmation of my assumption of the LEASE * XXXX  consumer reporting agency dispute letter

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 2025-08-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: PENNYMAC LOAN SERVICES, LLC.
State: AR

Complaint narrative:
On XX/XX/XXXX, I requested PennyMac, who manages my mortgage if I could get my PMI dropped based off the equity I currently have in my home. This was with the understanding that I had over 20 % equity now, and that was what they communicated back to me on over the phone as well. I paid {$190.00} to them so they would send an assessor to my home, who then valued my house where I had 22 % equity in it. 

However, I then receive notice that they would require 25 %, which was not communicated in the original PMI Deletion Notice they sent me nor anywhere on their website/documentation. When I requested a refund, since I ordered this under false pretenses, they denied my request and told me my only option was paying {$10000.00} to reach 25 %. They admitted that I was not told about the 25 % required, but refused to do anything about it. Leaving me to have spent the appraisal fee for nothing, and still paying my PMI.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams & Fudge, Inc
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX To : 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 And to each debt collector listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Williams & Fudge XXXX XXXX XXXX XXXX The Receivable Management Re : Combined FCRA Dispute and FDCPA Debt Validation 15 U.S.C. 1681i, 1681s-2, 1692g Dear Credit Bureau and Debt Collector, This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ) and a request for full debt validation under the Fair Debt Collection Practices Act ( FDCPA ). 

Upon reviewing my credit reports from XXXX ( dated XX/XX/XXXX ) and TransUnion ( dated XX/XX/XXXX ), I found the following items to be inaccurate, unverifiable, and/or not mine : Disputed Accounts Equifax XXXX XXXX XXXX {$2500.00} Reported XXXX. XXXX, XXXX XXXX XXXX XXXX {$260.00} Reported XXXX. XXXX, XXXX XXXX XXXX XXXX {$400.00} Reported XXXX. XXXX, XXXX Williams & Fudge XXXX {$680.00} Reported XXXX. XXXX, XXXX XXXX XXXX XXXX {$3000.00} Reported XXXX. XXXX, XXXX The XXXX XXXX {$1000.00} Reported XXXX. XXXX, XXXX Basis of Dispute : These accounts lack proper verification of ownership or contractual obligation. 

Some XXXX be the result of errors, identity theft, or inaccurate reporting. 

Without complete, verifiable evidence, these entries must be deleted under 15 U.S.C. 1681i ( a ) ( 5 ).

To the Credit Bureaus : Under 15 U.S.C. 1681i, you are required to conduct a reasonable reinvestigation of each disputed item. If you can not obtain verification from the furnisher, you must delete the item from my credit file. 

To the Debt XXXX : XXXX XXXX XXXX. XXXX ( b ), you must provide the following within 30 days of receipt of this letter : The original creditors name, address, and account number. 

A copy of the original signed contract or agreement. 

A full accounting and payment history from the original creditor. 

Documentation showing you are licensed to collect in my state. 


If you can not provide this information, you must cease all collection activity and request deletion from all credit bureaus. Any continued reporting of unverified debts is a violation of XXXX XXXX. XXXX ( XXXX ). 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: MS

Complaint narrative:
I have submitted multiple dispute letters to Equifax, Experian, and TransUnion regarding inaccuracies on my credit report ; however, the errors remain uncorrected. Attached are copies of the letters previously sent to each bureau, along with a table outlining the discrepancies across all three reports. I kindly request your assistance in resolving these issues as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: MS

Complaint narrative:
I have submitted multiple dispute letters to Equifax, Experian, and TransUnion regarding inaccuracies on my credit report ; however, the errors remain uncorrected. Attached are copies of the letters previously sent to each bureau, along with a table outlining the discrepancies across all three reports. I kindly request your assistance in resolving these issues as soon as possible.

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 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
A credit inquiry was made on XX/XX/year> for a WFBNA Card without my permission. I have never worked with Wells Fargo before.

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 2025-08-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc
State: MO

Complaint narrative:
I am disputing a {$1200.00} medical debt reported by Bull City Financial for EMS services from XXXX XXXX XXXX. I was incapacitated during the emergency and could not provide or correct insurance information. XXXX XXXX XXXX previously admitted by phone that they had XXXX insurance policies on file for me and billed the wrong one in XX/XX/year>. This caused the claim to be denied. 

I was not notified before the bill was sent to collections, and I was not given the opportunity to have the correct insurance billed. Today at XXXX, XXXX XXXX XXXX XXXX XXXX XXXX having the second insurance on file, contradicting earlier statements and wouldn't let me talk to supervisor. 

This debt exists due to the providers billing error, not any failure to pay on my part. I am requesting that Bull City Financial remove the debt from my credit report and that XXXX XXXX XXXX recall or correct the account.

Company response to consumer: Closed with explanation