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: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Complaint Against TransUnion FCRA Violations, Retaliation, and Fraudulent Activity I am filing this complaint against TransUnion for gross violations of the Fair Credit Reporting Act ( FCRA ), willful negligence, and what appears to be targeted retaliation for my previous disputes. 

Despite multiple documented disputes over inaccurate and inconsistent tradelines, TransUnion has repeatedly failed to conduct proper investigations, refuses to correct materially false information, and has now completely blocked my access to their services including the ability to file new disputes. This is a direct and illegal violation of my FCRA rights. 

Most recently, TransUnion added an address in XXXX XXXX, Colorado to my credit profile a state I have never lived in, never visited, and have XXXX connection to. I am a lifelong North Carolina resident, as confirmed by my state-issued drivers license and permanent residence at XXXX XXXX XXXX, XXXX, NC. 

This sudden appearance of a Colorado address which was never authorized or verified raises extreme red flags of either : Malicious retaliation by TransUnion due to my repeated CFPB complaints and disputes ; or Gross negligence in allowing potential fraud or identity theft to tamper with my credit profile. 

I am receiving alerts from XXXX XXXX, XXXX XXXX, and other monitoring services that new, fraudulent activity is being reported to TransUnion including added accounts, addresses, and charge-offs while I am locked out from reviewing or disputing any of it. 

TransUnion has : Failed to respond meaningfully to disputes filed through the proper channels. 

Allowed fraudulent data to appear on my report without any verification. 

Blocked my legal right to dispute inaccurate and unauthorized data. 

Caused measurable harm to my credit score, my finances, and my familys well-being. 

This is not just negligence its predatory. Its abusive. And its illegal. 

DEMAND FOR RESOLUTION : Immediate deletion of the unauthorized Colorado address and any accounts linked to it. 

Full restoration of my access to my TransUnion profile and dispute rights. 

A complete reinvestigation of all open disputes that were previously denied or ignored. 

Written confirmation of compliance with the FCRA and all updates made to my profile. 

Civil penalties pursued by the CFPB and all relevant regulators for willful noncompliance. 

Attached are copies of my government-issued ID and screenshots showing the unauthorized address added, along with credit alerts confirming changes I never authorized. 

I request that this complaint be escalated and reviewed under the strictest scrutiny for potential FCRA violations, identity theft, and willful misconduct.

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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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: AR

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 ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
Hello, I am writing because Freedom Mortgage has repeatedly put my account in Delinquent status and removed payments I have made. I am XXXX XXXX XXXX, don't use the internet well and there are no way to easily contact Freedom Mortgage. 

My bank account was closed in XXXX, and I tried to change payment methods to my other checking account in XXXX, but I was already delinquent by the time I switched payment methods. I emailed them for help because I have been diagnosed with XXXX, and didn't want them to foreclose on my house. I paid promptly in XXXX, and thought this issue would be resolved. Ever since that one missed payment they have cancelled or returned payment. It has been 3 times now, each time putting me back into delinquent status. 

I try to reach out to them, but their phone system is impossible to talk to someone. I try to email, but there are no emails on their website portal to contact them. I scheduled payment today, XX/XX/year> for the 2 months that are delinquent, I will see if this clears the problem or if they reject my payment again. 

I set up autopay for the XXXX of each month, I don't know why they won't accept my money. Money is not the issue, it is their rigid and broken payment system. I feel taken advantage of at this point.

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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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: NY

Complaint narrative:
I was a victim of identity theft. There is an inquiry on my Transunion credit report that is fraudulent and does not belong to me. I've already filed an FTC report. The inquiry is XXXX. XXXX - XX/XX/year> 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: 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:
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Dispute of Inaccurate Reporting of Paid Account To Whom It May Concern, I am writing to formally dispute the continued inaccurate reporting of an account that has been paid in full but remains listed incorrectly by one or more credit reporting agencies ( CRAs ). I request that the Consumer Financial Protection Bureau investigate this matter to ensure my rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

The account in question has been fully paid and settled, yet the credit bureaus have failed to update the account status accordingly. The inaccurate reporting misrepresents my creditworthiness and could affect my ability to obtain future credit. 
Here are the details : Creditor Name : Exeter Account Number : XXXX Payment Status : Paid in full Date of Payment : XX/XX/year> Credit Reporting Agencies Involved : Experian, TransUnion, Equifax Nature of Inaccuracy : account still listed as balance, not marked as paid in full and never late. 
I have contacted the relevant credit bureaus and the original creditor, providing documentation of the payment, but the reporting remains unchanged. This may be a violation of FCRA requirements for accurate and timely updates to credit information. 
Attached are : Documentation confirming the account was paid in full I respectfully request that the CFPB investigate this issue and ensure the credit bureaus and creditor promptly correct the reporting to reflect the accounts true status. 
Sincerely, XXXX 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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I received a copy of my credit report to find the following item I dont recognize. I have explained the discrepancies of the Account from XXXX XXXX XXXXXXXX with a credit card limit of {$5000.00}. to my records the account you are reporting on this account is unrecognizable. I would like that this be remove from my 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
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: NC

Complaint narrative:
I received a copy of my credit report to find the following item I dont recognize. I have explained the discrepancies of the Account from XXXX XXXX XXXXXXXX with a credit card limit of {$5000.00}. to my records the account you are reporting on this account is unrecognizable. I would like that this be remove from my credit report.

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: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
In XX/XX/year> I submitted the documents Equifax requested via certified mail to Equifax and finally had to file a complaint in XXXX with CFPB since Equifax wouldn't respond. They now finally responded through CFPB and once again they are asking me to prove my identity. In a few weeks I have to move and currently no one will accept me as a tenant without my credit report/score and I have no other options. 
I am filing another complaint as I don't have the time or means to mail them through XXXX and am providing more documentation than they are asking for.

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: GA

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 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information I have found on my credit report, pursuant to 15 U.S.C. 1681c-2, and to request that such information be blocked or removed immediately. I am enclosing a copy of my FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ) as evidence of my claim.

Pursuant to 15 U.S.C. 1681c-2, when a consumer files a report of identity theft, credit reporting agencies are required to block any information identified by the consumer as being the product of such theft within four ( 4 ) business days.

The following information on my credit report is the result of identity theft and must be frozen : XXXX XXXX XXXX XXXX Pursuant to 15 U.S.C. 1681c-2, I respectfully request that this account be immediately frozen from my credit report. This freeze must remain in effect for a period of one year, after which I may request an extension. During this time, no information may be reported.

I have contacted EXPERIAN multiple times to report these accounts, but I have not received a clear or definitive solution to help me resolve this situation. This situation is severely impacting me, as I am trying to purchase a new home for my children and obtain financial tools to support my financial growth. Having these negative accounts on my credit report has blocked all my opportunities and is causing me personal and financial harm. These accounts have already been removed and were not verified by other credit bureaus, so I don't understand why this agency continues to claim these accounts belong to me. 
I have requested copies of the contracts related to these accounts from the reporting company, and after more than 60 days, I have not received a response. I respectfully request that you help me by removing these accounts immediately.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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 explanation
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: GA

Complaint narrative:
There are Several inaccuracies on my report i've asked for original documents and method of verification with my signature on it, and nothing has been provided to me to ensure these accounts are accurate

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 — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
To Whom it may concern EXPERIAN 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 XXXX XXXX XXXX XXXX  Consumer Relations P.O. XXXX XXXX, XXXX, PA XXXX

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: NJ

Complaint narrative:
am writing to formally dispute certain information contained in my credit report, which I obtained. This information is inaccurate and/or unverifiable, and I am requesting its immediate investigation and removal in accordance with the Fair Credit Reporting Act ( FCRA ). On XX/XX/year> XXXX  XXXX bankruptcy was added to my credit profile. Bankruptcy is a public record and should not be on my credit report. According to 15 U.S. Code 1681 ( a ) ( 4 ), there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Reporting inaccurate or unverified information violates this principle and has caused ( or may cause ) serious harm to my financial well-being and privacy.

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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
am writing to formally dispute certain information contained in my credit report, which I obtained. This information is inaccurate and/or unverifiable, and I am requesting its immediate investigation and removal in accordance with the Fair Credit Reporting Act ( FCRA ). On XX/XX/year> XXXX  XXXX bankruptcy was added to my credit profile. Bankruptcy is a public record and should not be on my credit report. According to 15 U.S. Code 1681 ( a ) ( 4 ), there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Reporting inaccurate or unverified information violates this principle and has caused ( or may cause ) serious harm to my financial well-being and privacy.

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: MO

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
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  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX

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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief