vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-14 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: FL

Complaint narrative:
I am a documented victim of identity theft and have attached my Federal Trade Commission ( FTC ) Identity Theft Report. Despite my formal disputes, XXXX  continues to report unauthorized hard inquiries, unverifiable collection accounts, and inaccurate student loan reporting, in violation of federal law. Failure to Reinvestigate ( FCRA 1681i ) : XXXX  failed to conduct a reasonable reinvestigation of disputed information, leaving inaccurate items unresolved. This mirrors the CFPBs recent lawsuiti against XXXX  for systemic failures, including not forwarding consumer evidence and relying on unreliable responses. Unauthorized Hard Inquiries ( FCRA 604 ) : XXXX  has not produced any evidence of my authorization for these inquiries. As a victim of identity theft, continuing to report inquiries without proof of permissible purpose is unlawful. 

Collection Account ( FCRA + FDCPA 1692 ) : XXXX  is reporting collection accounts that are inaccurate and unverifiable. No proper validation ( original agreements or complete account history ) has been provided, as required under federal law. 

XXXX XXXX XXXXXX/XX/year> Violations & Damages : XXXX  continued reporting of unauthorized and unverifiable items constitutes willful noncompliance with the FCRA and FDCPA. Under FCRA 616617 and FDCPA 813, I am entitled to statutory damages of up to {$1000.00} per violation, plus actual damages, punitive damages, and attorneys fees.

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 2025-08-14 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: MS

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 : [ XXXXXXXX XXXX XXXX XXXX XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXXXXXX 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 2025-08-14 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: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL 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 2025-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-08-14 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am deeply troubled by the late payment reflected on my account, as I have always made timely payments. This error is causing unnecessary stress, and I kindly request its immediate removal to accurately reflect my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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:
see attachments : they never provided documentation for inaccurate late payments per 15 usc 1666b ; 15 usc 1681s-2 ( 7 ) along with the other charge offs accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: FL

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 ] Creditor Name : [ XXXX ] Account Number XXXX [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] 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 explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: WA

Complaint narrative:
My Loan is being serviced by NewRez. I initially tried to schedule a reoccurring Autopayment. I kept getting an error message and it would not allow me to select any date to schedule a payment for. I called on Thursday the XXXX and had the customer sevice agent put in a ticket to XXXX. I then called back in on Tuesday the XXXX and the customer service agent then told me the previous ticket had been closed out but the issue still persisted. I then put in a complaint and put in another ticket and the customer service agent said that they would have XXXX. reach out to me to solve the problem. I never received a call from XXXX. and when I called back Thursday the XXXX ( today ) I was told the second XXXX ticket was closed out and that XXXX. never calls people. I then was told a list of things to try, none of which worked at which point I gave up and reached out to the CFPD to handle NewRez giving me the run round and continuing to close out tickets without resolving the problem.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX is reporting an incorrect address on my credit report. I have never lived at XXXX XXXX XXXX XXXX, XXXX XXXX, TX. I have requested verification that this address and the account are mine, but they have not responded in the past 60 days. I have attempted to dispute this issue both online and by phone, yet they have not provided validation or the correct account address.

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 2025-08-14 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: LA

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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:
The presence of this late payment is misleading and inconsistent with my long-standing payment record. I request its removal upon investigation.

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 2025-08-14 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:
The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible. This situation has become a significant source of anxiety, and I earnestly hope for a swift resolution.

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 2025-08-14 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: NV

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-08-14 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: IN

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 2025-08-14 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: TX

Complaint narrative:
I am submitting this report to dispute inaccuracies on my credit report. Equifax has acknowledged a system failure that led to my personal information being compromised and misused. Ive encountered credit denials because of this, and Im requesting that it be resolved within four business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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: FL

Complaint narrative:
I am writing to formally dispute the inclusion of an XXXX account on my credit report. The account in question was the result of unauthorized activity and was investigated and resolved in my favor by XXXX. 



On XX/XX/year>, XXXX completed its investigation under XXXX XXXX XXXXXXXX and confirmed in writing that : The account was opened without my authorization.

I am not liable for any charges associated with this account.

Any loan ( s ) associated with this unauthorized activity would be removed from my credit report in their next reporting cycle. 
My XXXX account has been restricted from obtaining any future loans to prevent further fraud. 




For reference, please find below the relevant excerpt from XXXX  email to me : Our review has concluded a resolution in your favor. Rest assured, you will not be held responsible for the XXXX loan ( s ) made in your name, and if furnished, the loan ( s ) will be removed from your credit report in our next reporting cycle. Please note most updates take 30-60 days, but in some circumstances may take longer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Despite this resolution, the account is still appearing on my credit report, which is both inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ), which requires that only accurate and verified information be reported.

I am requesting that this account be immediately removed from my credit report and that I receive written confirmation once the correction has been made.

Enclosed/attached is a copy of the original resolution letter/email from XXXX for your records. Thank you for your prompt 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 2025-08-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
My APR was locked in rate 15+ years ago. Over the past 10 years the APR has slowly increased, 18+ two years and now 21+. I have had the card for 30 years, No missed payment in 20+ years. I make regular purchased and have not over used my credit. I asked for review on my account and to lower my APR... nothing. No what happened or how to fix it. I was told call back next month. This is no customer service

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: FL

Complaint narrative:
TransUnion has acted in bad faith and in a retaliatory manner for my good-faith exercise of consumer rights under the FCRA. On XX/XX/scrub>, 2025, while the account was in active dispute status, TransUnion allowed XXXX XXXX to report a {$30.00} balance increase. This retaliatory conduct further damaged my credit score and violates both 1681e ( b ) ( accuracy ) and 1681i ( c ) ( modifying disputed data ). On XXXX XXXX, 2025, at XXXX XXXX, I spoke with XXXX XXXX, Special Handling Department Lead at TransUnion. She refused to initiate a 1681c-2 identity theft block, despite my providing : Proof of identity Valid FTC Identity Theft Report ( 1681a ( q ) ) Identification of the disputed information ( XXXX XXXX account ) Statement that the account does not relate to any transaction I authorized Instead, she stated TransUnion would only conduct a 1681i reinvestigation, which is not legally sufficient for identity theft blocking requests and directly violates 1681c-2s mandatory 4-day block requirement. XXXX XXXX also confirmed : No certification exists verifying the accuracy of the reinserted account. No notice was provided within 5 business days of reinsertion, in violation of 1681i ( a ) ( 5 ) ( B ). TransUnion possesses no documentary evidence establishing the accounts accuracy. This conduct constitutes willful and negligent FCRA violations, including : 1681c-2 Failure to block identity theft information. 1681i ( a ) ( 5 ) ( B ) Reinserted account without certification and without required notice. 1681e ( b ) Failure to ensure maximum possible accuracy. 1681i ( c ) Allowing modifications to disputed information. 1681n Willful noncompliance. 1681o Negligent noncompliance. 1681q Potential criminal liability for furnishing or obtaining information under false pretenses. Potential Criminal Violation : I believe this conduct also constitutes aggravated identity theft under 18 U.S.C. 1028A, as TransUnion knowingly continued to use and publish my personal identifying information in connection with a fraudulent account after being presented with valid proof of identity theft.

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 2025-08-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PR

Complaint narrative:
On XX/XX/scrub>, 2025, I applied for a XXXX XXXX  card and was denied due to alleged debt with Capital One. I immediately contacted Capital One and was told two accounts were fraudulently opened using my SSN with a XXXX, NY address and phone number that are not mine. One account was removed, but Capital One refused to remove the second account ending in XXXX, claiming I am responsible even though I never applied for or used it. 

On XX/XX/scrub>, 2025, I filed an initial CFPB complaint ( XXXX ). Capital Ones response still tied me to the NY address, a phone number I have never used, and to payments from a XXXX XXXX XXXX XXXXXXXX account ending in XXXX which I do not own. After their refusal, I escalated my actions : I filed an FTC Identity Theft Report ( No. XXXX ), a XXXX XXXX XXXX Police Report ( XXXX ), and gathered additional evidence, including my drivers license, utility bills, my XXXX XXXX XXXX XXXX XXXXXXXX XXXX, and an affidavit from my father certifying my permanent XXXX XXXX residence. These documents confirm the Capital One account and XXXX XXXX  XXXX XXXX link are fraudulent. 

Because Capital One is tying me to an account at XXXXXXXX XXXX XXXX XXXXXXXX that is not mine, I will also file a separate CFPB complaint against XXXXXXXX XXXX XXXX XXXXXXXX so that both entities are held accountable and take action to fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation