vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-13 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: NJ

Complaint narrative:
This is XXXX XXXX XXXX, and Im writing this dispute to TransUnionno third parties involved. The account in question is listed under " XXXX '' with the number XXXX, opened on XX/XX/year>. This XXXX account has been on my credit report for over a year now, and despite multiple disputes, its still there. This is completely unacceptable! It's a blatant violation of 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a thorough reinvestigation when a consumer disputes an account. The fact that this account has not been removed after multiple attempts is a direct violation of 15 U.S.C. 1681i ( a ), which mandates accuracy in reporting and proper reinvestigation. Whats even worse is that this account was fraudulently opened in my name after a serious accident left me a victim of identity theft. Ive provided a police report as proof of this. Under 15 U.S.C. 1681c-2, once I provide proof of identity theft, this account should have been blocked and removed. The fact that its still showing up is not just wrongits illegal. This is no longer just a credit reporting issue ; its a direct violation of my rights under the FCRA. The continued reporting of this account is causing severe emotional distress and is putting my housing at risk. Im demanding the immediate removal of this XXXX account from my credit report. TransUnion has 14 days to resolve this, or I will escalate the matter further. Fix this now. Remove this account from my credit report, and send me an updated version showing the deletion. This should have been done a long time ago!

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 2025-11-13 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: TN

Complaint narrative:
My entire credit report reflects inaccurate and unverifiable information across multiple accounts and inquiries, violating FCRA 602, 607 ( b ), and 611 ( a ). I have reason to believe reasonable procedures were not followed to ensure accuracy. I request deletion of disputed items and acknowledgment of statutory liability as the bureau failed to conduct a proper reinvestigation under FCRA 1681i ( a ).

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 2025-11-13 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: EQUIFAX, INC.
State: TN

Complaint narrative:
My entire credit report reflects inaccurate and unverifiable information across multiple accounts and inquiries, violating FCRA 602, 607 ( b ), and 611 ( a ). I have reason to believe reasonable procedures were not followed to ensure accuracy. I request deletion of disputed items and acknowledgment of statutory liability as the bureau failed to conduct a proper reinvestigation under FCRA 1681i ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: TX

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute several unauthorized inquiries that have appeared on my credit report. I am a victim of identity theft, and I request that you immediately remove all inquiries associated with fraudulent activity. These inquiries were not authorized by me, nor did I initiate any of the actions that resulted in these inquiries. 
The specific inquiries I am referring to are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: NC

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-11-13 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: NC

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I have already attempted to resolve this issue directly with the creditor or financial institution, but I have not received a satisfactory resolution. I am now requesting assistance in addressing this matter to ensure that my rights as a consumer are protected during the bankruptcy process.

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 2025-11-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I recently pulled my credit report and noticed several negative account that are report in accurately and without my knowledge please remove these account immediately thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax has continued to report a bankruptcy record ( Case No. XXXX ) using a verification source that is impossible, unlawful, and explicitly contradicted by the evidence. Equifaxs reinvestigation letter states that it obtained and verified the record through XXXX, even though my XXXX consumer file is under an active Security Freeze, documented in writing and legally prohibiting any release of information to third parties. It is impossible for XXXX to have transmitted any data to Equifax under a freeze, making Equifaxs verification false, fabricated, or the result of unlawful access. This violates FCRA 1681e ( b ), 1681i ( a ), and 1681b ( a ) ( 2 ).

Furthermore, the U.S. Bankruptcy Court has issued a written statement confirming that they never furnish bankruptcy information to XXXX, Equifax, or any consumer reporting agency for credit-reporting purposes. This means Equifax relied on a non-furnisher, a frozen file, or an unauthorized data source. The combination of ( 1 ) a Security Freeze violation, ( 2 ) false verification, and ( 3 ) reliance on a non-furnisher source constitutes a serious breach of federal consumer-protection law, data security obligations, and reinvestigation requirements under the FCRA.

I am attaching my formal NOTICE OF DATA BREACH, UNLAWFUL ACCESS, AND FALSE VERIFICATION, along with the XXXX Security Freeze confirmation, the Bankruptcy Court letter, and Equifaxs reinvestigation response. These documents demonstrate that Equifaxs claimed verification source is impossible and unlawful, and that the bankruptcy record must be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: KY

Complaint narrative:
My debt was bought by a third party without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX, Experian, and TransUnion responded very poorly and have been ignoring my disputes, I have shown proof of identity theft, and yet they allow these actions to continue on 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 2025-11-13 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: GA

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA XXXX681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: EQUIFAX, INC.
State: OH

Complaint narrative:
Recently i did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
ACCOUNTS : XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: TN

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

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 2025-11-13 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: EQUIFAX, INC.
State: TN

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: NJ

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S. C. 1681 c-2 ), that Equifax block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my authorization. The following accounts are fraudulent and need to be removed from my credit report. 

XXXX XXXX - Opened XX/XX/year> With a balance of {$4200.00} Account number XXXX All of the aforementioned accounts, and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint # XXXX, as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer loans, and inquiries are the result of identity theft and fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: NC

Complaint narrative:
I contacted my bank ( Chime ), today, XX/XX/year>, to dispute an unauthorized ACH withdrawal labeled MyPay repayment for {$440.00}. 

I explicitly requested to file a Regulation E ACH dispute, which they are legally required to accept.

The representative, who identified herself only as XXXX from Consumer Dispute Escalation Support, refused to open the dispute, refused to provide a claim number, and ended the call on me. 

I have an audio recording confirming I cited Regulation E multiple times. 

The transaction originated from a service ( MyPay ) on XXXX in my account for {$500.00}, and I never authorized the deposit or the withdrawal. 

I am requesting the CFPBs assistance to compel Chime to process the Regulation E dispute, issue a provisional credit, and prevent further unauthorized debits.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC
State: TN

Complaint narrative:
My home suffered major water damage in XX/XX/2025. My insurance company issued payment in XXXX. Rocket Mortgage sat on that check for XXXX weeks, and then out of {$12000.00} in verified damage released barely {$2800.00}. After jumping through every hoop they could invent and making more than XXXX phone calls, they finally released the remaining funds. 

Once the demo started, we discovered significantly more damage : ruined floor joists, structural issues, and water damage to more than 90 % of the downstairs. Rocket Mortgage then insisted on a progress inspection. That took 10 days of phone calls and 3 days just to get scheduled. The inspector finally came, but Rockets grind-you-down process continues : 35 days for the inspection report to even hit their system, 35 days for them to review, XXXX more days to process a partial release just 25 % of {$8400.00}. 

Another insurance check for roughly {$12000.00} arrived to replace destroyed cabinets and countertops. Rocket Mortgage immediately announced they would only release half, meaning I'm supposed to replace and install {$19000.00} worth of cabinets with half a budget. Thats not physically possible. I have place over XXXX calls to Rocket Mortgage expressing the condition of my home and the state of our family. 

Meanwhile, my family has been stuck in a hotel for XXXX months, and most of that time has been wasted waiting on Rocket Mortgage to release funds that do not belong to them. Ive been forced to pay out of pocket just to keep repairs moving, to XXXX XXXX where XXXX now unable to pay my mortgage or other bills. Every time I call Rocket Mortgage, I get a different answer. We are running out of additional living expenses while Rocket Mortgage clutches money that was meant to put my home back together. 

My family is exhausted, emotionally drained, and breaking under the pressure. Our children are miserable. This process is not just slowits dysfunctional, inconsistent, and harmful. I understand the purpose of draw controls, but Rocket Mortgages execution is chaotic and makes a bad situation worse. They have turned a disaster into a catastrophe.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: CA

Complaint narrative:
I am submitting this dispute for the items listed below on my Experian credit report. These accounts have discrepancies that I believe need to be addressed in accordance with the FCRA. 

CHARGED OFF 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
I am writing to request a goodwill adjustment regarding the negative items reported on my account. I want to clearly state that I recognize the information as accurate and I am not disputing the reporting in any way. I take full responsibility for the missed payments, which occurred during a difficult period, and I have since worked to improve my financial habits. I am kindly asking if the company would consider removing or forgiving these negative marks as a gesture of goodwill. This adjustment would greatly support my efforts to rebuild my credit and maintain a stable financial path moving forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: TX

Complaint narrative:
Student loan accounts from XXXX were reported to my credit file without my written consent, violating FERPA regulations. I submitted a prior dispute to the credit bureau but received no evidence of authorized disclosure. This continues to harm my credit and breaches both FERPA and FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
The one pay card issued by synchrony - account opened in XX/XX/year> used twice - then XX/XX/XXXX the account was breached for multple charges - I contacted them XX/XX/XXXX to report the fraud and and there are still charges on the account- i have called over ten times and still get the runaround and they are not addressing the issues.

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 monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: DISCOVER BANK
State: IL

Complaint narrative:
I received a letter from a company in the mail called savings solutions. They said they would give me bank account numbers to pay my bills and I would have to pay them half of the money and their company likes helping people. They paid a lot of my bills and I sent them half of the money. XXXX of the bills was for my discover credit card. I only sent him the money when the payment went through. The payment said " completed '' for XXXX weeks. I had peace of mind because for XXXX whole weeks the payment specifically said the word " completed ''. Hence I sent the scammer the money and XXXX weeks later the payments were returned. This was very misleading. Payments made on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX all of XXXX  came back returned between the dates of XX/XX/XXXX and XXXX of XXXX. If they didn't say completed I would have never sent the scammer the money and be stuck with the bills and out thousands of dollars that I sent to him. Now the judge ruled against me during a bench trial and im stuck with all this. I also made a police and FBI report but because the scammer was out of country using a XXXX number it was no help.

Company response to consumer: Closed with explanation