vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-17 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: KY

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX U.S. CXXXX XXXXi ) requiring a proper reinvestigation of disputed items, and XXXXe ( 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 ( XXXX U.S. CXXXX XXXXe ) 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 2025-06-17 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:
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 2025-06-17 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: DE

Complaint narrative:
My name is XXXX XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report.

Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional. 
This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

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 2025-06-17 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 disputed an incorrect late payment showing on my equifax. I sent the corrected information, dispute resolution from both XXXX XXXX XXXXXXXX, and a full explanation. Equifax has failed to update or fix the error and instead updates other line items that were not mentioned.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I discovered an unauthorized and inaccurate collection account on my credit report from EQUIFAX, associated with XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX. This account does not belong to me, and I have no knowledge of its origin. I formally disputed this account with the credit bureau, requesting verification and removal based on my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections XXXX ( XXXX U.S.C. XXXXi ), XXXX ( XXXX U.S.C. XXXXg ), and XXXX ( XXXX U.S.C. XXXXs-2 ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Sections XXXX ( XXXX U.S.C. XXXXg ) and XXXX ( XXXX U.S.C. XXXXe ). 

Despite my formal dispute and request for a thorough investigation, EQUIFAX, has continued to report this account without verifying its accuracy or providing me with documentation supporting its validity. This violates my rights under the FCRA, as credit bureaus are required to conduct a reasonable investigation and must not report inaccurate or unverifiable information. Notably, failure to comply with these requirements has been underscored by precedents such as XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX 

This inaccurate information is damaging my credit score and affecting my financial standing. I believe that the credit bureaus failure to properly investigate and respond to my dispute is a direct violation of the FCRA, causing me unnecessary harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: PA

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 ] 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 2025-06-17 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: TX

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Continental Finance Company, LLC
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX ( XXXX ) XXXX Accoun # XXXX Cease and Desist Request Regarding Account Number * XXXX XXXX XXXX XXXX XXXX I am writing to formally request that you cease all communication with me regarding the alleged debt associated with the above-referenced account. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C 1692c ( c ). I am exercising my right to demand that you stop all contact about this matter. This letter does not serve as an acknowledgement of the debt or an admission of any liability., Additionally, it you have not already provided verification of this alleged debt. I request that you do so in accordance with15 U.S.C. 1692g ( b ) Please be advised that if you to comply with this request. I will not hesitate to report your conduct to the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ) and my state Attorney General 's Office Thank you for your immediate attention to this matter Sincerely, 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 2025-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
Around XXXX of 2025, I sent a check in the amount of {$1700.00} to XXXX XXXX XXXX XXXX to pay off an account that was being handled by Midland Credit Management. I did a small debt consolidation loan and I paid the debt because it still appeared on my XXXX XXXX. However, recently I discovered that the debt was charged off by the original creditor and I had made payments on the account but the payments I made to MCM were reversed. I made them by XXXX and the money wasn't return to me so I am unsure of what Midland Credit Management did with it. XXXX XXXX and XXXX sent the check to Midland Credit Management instead of sending back to me as I requested. I spoke with several representatives at XXXX requesting a refund of the full {$1700.00} because I made payments in the past and the remaining balance was charged off. I was told that it would take XXXX  days. I called today to get a status of the refund and I was told that it would take an additional XXXX business days. Both XXXX XXXX XXXX XXXX and XXXX admit that I am owed a refund but I haven't received it yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in XXXX USC XXXXi ( 7 ). 

This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: NV

Complaint narrative:
To Whom it may Concern : I am writing this disputes from my complaint as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately.

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within 5 days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law.

As Consumer by law Disputed accounts below should be DELETED in my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: MA

Complaint narrative:
I had about XXXX XXXX loans opened and they were in forbearance while I was away on XXXX military orders. Trans Union says my accounts are marked as delinquent, even though theyre not their marked my credit score has dropped XXXX points legitimately ruining my life I found two disputes for each of my accounts once back in XXXX. I never received my credit report in the mail like Im supposed to within 5 to 7 business days now in XXXX and I found another dispute and I still havent received those. It took me so long to get into contact with someone from the dispute department and they were not helpful. Frankly, she was rude. I had spoken to someone from the department of education before transfusion marked my accounts as delinquent, and she said that my accounts are fine. It will be fine because they arent forbearance unfortunately, thats not the case cause of transunion.

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 2025-06-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Negative impact of inaccurate appraisal
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX RE : Application # XXXX REF : Complaint ID CFPB # XXXX Bank of America-Corporate Office XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Civil Rights complaint of Discrimination and Violations of Title XI, Dodd-Frank Act and the Fair Credit Reporting Act The claims Bank of America has levied on XXXX XXXX ( the client ) and the related property, XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX, are grossly unsubstantiated XXXX unproven, unwarranted and lack any factual basis. XXXX XXXX XXXX XXXX XXXX XXXX. Complaint Response 1. I request the first full appraisal, per Section 1002.14 ( a ) ( 1 ), Dodd Frank Act, Title XI for LTV https : XXXX and any and all secondary supporting documents. 
2. I am also requesting any and all of the information that was used against me, file disclosure for taking adverse action against me, under the Fair Credit Reporting Act, specifically the Debt to Income Ratio analysis. 

In conjunction, with the Civil Rights violation, we have the CFPB closing a case with no rebuttal or complete information. Blind reliance on the information presented, with no basis and facts supporting their opinion is a Violation of ( FCRP 26 ( a ) ( 2 ) ( B ) ) in a legal setting. No proper legal process was allowed the complainant. My rights have been violated. Every statement the client makes, can be validated, with facts, not conjecture. Further, I object to the unsubstantiated conclusions, gone unchallenged and want the record purged of false, misleading statements. Then, I want prosecution of the criminal trespass, against the alleged first appraiser. He/She entered my property to glean property data, without my knowledge or permission on BOA 's behalf, for information leading to the areas of concern, in BOA 's review, Complaint Response XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Date : XXXX XXXX XXXX ________________________________ XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX RE : Application # XXXX CC ; FDIC DOJ Footnote : National Associations ( N.A. 's ) do not loan money... who is the lender? 
Office of Comptroller of Currency FHA rules require lenderstocalculate a placeholder payment of 0.5 % of your totalstudent loanbalance when determining yourdebt-to-income ( DTI ) ratio.

Debt to Income Ratios in forbearance.

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 2025-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I made cash payments through XXXX at XXXX, and the receipts reference XXXX XXXX as the destination. I believe the funds were deposited into a XXXX account controlled by a scammer. I am requesting PayPal investigate whether their platform was used to receive these funds, and if so, to identify the account and take appropriate action. I also request that PayPal share findings with law enforcement and assist in recovering the funds if possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are several things on my report that have been there for years where the information is inaccurate or untrue. The date of birth comes up as 1975. I have alias with the names XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX with a P XXXX XXXX XXXX with XXXX XXXX XXXX XXXX. Theres a lot of different names and theres a lot of different accounts than our mind because theyre fraud they were done by my mother.

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 2025-06-17 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: OH

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 XXXX of the Fair Credit Reporting Act.

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 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
transunions website is always down and not working to dispute items or get your credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation