vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-04 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: TX

Complaint narrative:
I am filing this formal complaint against TransUnion for failing to act appropriately on my identity theft dispute submitted on XX/XX/year>. 

I submitted a written dispute letter requesting the removal of several fraudulent accounts and unauthorized inquiries. My dispute clearly identified the exact accounts and inquiries to be removed. Along with the letter, I submitted : A completed FTC Identity Theft Affidavit Evidence of the XXXX  data breach A recent utility bill A copy of my government-issued ID While TransUnion did remove the fraudulent accounts, they did not remove the unauthorized inquiries, despite my dispute specifically requesting this. 

On XX/XX/year>, I called TransUnion to follow up, as over XXXX  days had passed with no resolution regarding the inquiries. A representative confirmed that the inquiries would be removed and advised me to check my report again in XXXX hours. 

However, as of XX/XX/year>, the inquiries remain. I called again and was told I now needed to resubmit the entire dispute and provide a new FTC affidavit even though I already provided all required documentation. 

This is unacceptable. I complied fully with the FCRA dispute requirements. TransUnions failure to remove the fraudulent inquiries and their request for redundant documentation reflects a disregard for my rights as a consumer and for proper dispute handling timelines under federal law.

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 2025-08-04 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: MD

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

Company 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 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I need you to look into the mistakes on my credit report immediately. These inaccuracies have been stressing me out and its affecting everything. It is disheartening to know that my rights as a consumer is being violated. I value my credit a lot the same as everyone else 's and the inaccuracies in my credit report has negatively affected both my financial opportunities as well as my mental health. Make sure all this information is 100 % correct. I want this resolved as soon as possible because I dont want to wait for any more damage to be done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: EQUIFAX, INC.
State: MO

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 XXXX XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I've worked hard to build my credit so, take this seriously. I found some big mistakes that are really hurting my score and these inaccuracies have been stressing me out and its affecting everything, from loan options to higher interest rates, to my ability to secure new credit. I need you to make sure all of my information is 100 % correct. These mistakes are taking a toll on my credit and my life, and I need it taken care of now. I'm getting really upset and I want this resolved as soon as possible because I dont want to wait for any more damage to be done.

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 2025-08-04 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: MI

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: AZ

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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:
A recent review of my credit report revealed a late payment notation that I do not recognize. This appears to be inconsistent with my own account records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: CO

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX INQUIRIES : PREMIUM Date : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: FL

Complaint narrative:
FINAL DEMAND Metro 2 Compliance Violation XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XX/XX/XXXX [ SSN - XXXX Date XX/XX/XXXX To Whom It May Concern, This is a FINAL DEMAND for the immediate removal or correction of inaccurate reporting on the account listed below. You are currently in violation of Metro 2 compliance standards as outlined by the Consumer Data Industry Association ( CDIA ) and the Fair Credit Reporting Act ( FCRA ). 

Account in Dispute : XXXX  XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$130.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$200.00} XXXX XXXX XXXX Opened XX/XX/XXXX {$640.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$830.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$1100.00} XXXX XXXX OPENED DATE XX/XX/XXXX The following fields are inconsistent, incomplete, or misreported, violating the requirement that credit reporting must be 100 % accurate, verifiable, and Metro 2 compliant : - Account Status - Payment Rating - Payment History Grid - Past Due Amount - Date of First Delinquency - Date of Last Activity These Metro 2 violations are causing material harm to my creditworthiness and are grounds for a formal complaint to the CFPB, FTC, and potential civil legal action under FCRA 623 and 611.

Let me be very clear : If this item can not be verified with full Metro 2 field-level accuracyincluding proper date stamping, consistent payment history, and verifiable status codesthen it must be REMOVED entirely from my credit profile. 

This is your final opportunity to correct this error before further legal escalation. 
This is not a request this is a formal demand for compliance. 

Sincerely, XXXX XXXX cell : XXXX emaill address : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: FL

Complaint narrative:
FINAL DEMAND Metro 2 Compliance Violation XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XX/XX/XXXX [ SSN - XXXX Date XX/XX/XXXX To Whom It May Concern, This is a FINAL DEMAND for the immediate removal or correction of inaccurate reporting on the account listed below. You are currently in violation of Metro 2 compliance standards as outlined by the Consumer Data Industry Association ( CDIA ) and the Fair Credit Reporting Act ( FCRA ). 

Account in Dispute : XXXX  XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$130.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$200.00} XXXX XXXX XXXX Opened XX/XX/XXXX {$640.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$830.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$1100.00} XXXX XXXX OPENED DATE XX/XX/XXXX The following fields are inconsistent, incomplete, or misreported, violating the requirement that credit reporting must be 100 % accurate, verifiable, and Metro 2 compliant : - Account Status - Payment Rating - Payment History Grid - Past Due Amount - Date of First Delinquency - Date of Last Activity These Metro 2 violations are causing material harm to my creditworthiness and are grounds for a formal complaint to the CFPB, FTC, and potential civil legal action under FCRA 623 and 611.

Let me be very clear : If this item can not be verified with full Metro 2 field-level accuracyincluding proper date stamping, consistent payment history, and verifiable status codesthen it must be REMOVED entirely from my credit profile. 

This is your final opportunity to correct this error before further legal escalation. 
This is not a request this is a formal demand for compliance. 

Sincerely, XXXX XXXX cell : XXXX emaill address : 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 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I do not recall authorizing these credit inquiries, and they may be fraudulent. I request that this matter be investigated immediately. Relevant documents are attached.

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 2025-08-04 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I tried using this American Express prepaid card a couple years ago at a XXXX after receiving it as a XXXX gift. It did not work. I believe I contacted American Express support and they said that it does have a balance of {$25.00} and to try a different retailer. I just found this card again and wanted to look further into it. I tried using it online today ( XX/XX/year> ) for XXXX- it did not work. I rechecked the balance- it says the card is active and has the balance of {$25.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: NY

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

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 2025-08-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
On XX/XX/year>, via 3 separate certified mail receipts, Shellpoint Mortgage Servicing, Newrez, LLC was served with three NOEs ( Notice of Errors ) : XXXX. Shellpoint NOE Dual Tracking ( XX/XX/year> ) XXXX. Shellpoint NOE Failure to Provide an Accurate Pay Off ( XX/XX/year> ) XXXX. Shellpoint NOE Failure to Respond to RFI from XX/XX/year> ( XX/XX/year> ) Each of our NOE notices is attached for your records, review, and for to CFPB to enforce action.

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 2025-08-04 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXCompany Being Reported:\n\nCompany Name: Equifax,Experian,Tramsunion\n\nType of Company:  Credit Reporting Agency \n \nTracking #'s for 1st round letters sent on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXComplaint Summary:\n\n\n\nI am submitting this complaint due to violations of my consumer rights under the Fair Credit Reporting Act (FCRA) and Metro 2 reporting guidelines by [Insert Company Name  e.g., TransUnion, Experian, Equifax, or specific furnisher].\n\n\n\nSpecifically, the company is reporting inaccurate, outdated, or misleading information on my credit report, including but not limited to:\n\n\t\t[Insert details: incorrect account status, false late payments, account showing open when its closed, balance reporting errors, duplicate reporting, failure to mark account as disputed, etc.]\n\n\n\nI have previously disputed this information directly with the credit reporting agency and/or data furnisher. Despite providing evidence, the disputed items remain unchanged or inadequately investigated. Under FCRA Section 611, the agency is required to conduct a reasonable reinvestigation and correct or delete inaccurate or unverifiable information. Additionally, the reporting format appears to be inconsistent with Metro 2 guidelines, which credit furnishers and reporting agencies are expected to use for standardized accuracy.\n\n\n\nThis failure to follow proper procedures is damaging my credit reputation and causing undue harm.\n\n\nResolution Sought:\n\n\n\nI respectfully request that the CFPB:\n\n\t1.\tInvestigate the credit reporting practices of [Insert Company Name].\n\n\t2.\tRequire the correction or deletion of any inaccurate or improperly reported information.\n\n\t3.\tEnsure the company complies with both the FCRA and Metro 2 standards going forward.\n\n\t4.\tImpose penalties or oversight if systemic violations are found.\n\n\n\nI am attaching supporting documentation, including dispute letters, credit reports, and verification documents. I am available for further information or clarification if neededXXXX 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 2025-08-04 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: MI

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 2025-08-04 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: MI

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