vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-23 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: LA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX # XXXX XX/XX/2024 -- {$430.00} XXXX XXXX  XXXX # XXXX XX/XX/2024 -- {$1800.00}

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 2025-07-23 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 requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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 2025-07-23 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:
I am filing this complaint regarding two XXXX XXXX accounts ( Account # XXXX and # XXXX ) that are still being reported by TransUnion, even though XXXX  and XXXX  have already removed them following disputes and supporting documentation. 



Account # XXXX : This account is over 7 years old, with the last payment dated XX/XX/XXXX. 
Under 15 U.S.C. 1681c ( a ) ( 4 ) of the Fair Credit Reporting Act, no adverse account may be reported more than 7 years after the date of first delinquency. 
Despite this, TransUnion is still reporting the item based solely on XXXX XXXX illegal re-reporting, making this a clear FCRA violation. 



Account # XXXX XXXX Repossession : This was a voluntary vehicle surrender during the XXXX pandemic. 
I formally signed a hardship letter in XXXX, agreeing to return the vehicle due to pandemic-related income loss and financial hardship. 
No repossession notice, post-sale accounting, or deficiency breakdown was ever sent to me, violating : UCC 9-610 ( b ) Lawful notice of disposition required UCC 9-615 ( d ) Accounting of proceeds after repossession Despite that, XXXX XXXX continues to report a large deficiency balance with no explanation or supporting records.

FCRA Violations : 15 U.S.C. 1681s-2 ( b ) : Failure to investigate and correct disputed data 1681i ( a ) ( 5 ) : Failure to delete unverifiable information 1681e ( b ) : Inconsistent data across CRAs violates the obligation to report with maximum possible accuracy 1681c ( a ) ( 4 ) : Reporting derogatory data more than 7 years old Unfair Practices : XXXX XXXX refusal to remove these accounts from TransUnionafter two other major credit bureaus removed themindicates intentional negligence and systemic noncompliance with federal law. 

This creates a misleading and incomplete picture of my creditworthiness, causing unjustified harm.

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 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: T.S. Holdings
State: IL

Complaint narrative:
I have a collection on my credit that when in effect XX/XX/year> for IQ Data International for {$4100.00} for address XXXXXXXX XXXX XXXX XXXX Illinois I never lived at that address or never had my name at that address. I have been disputing but still nothing this is inaccurate. This address is not on all three of my credit reports. I will like this will like this collection remove from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: LA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX # XXXX XX/XX/XXXX -- {$430.00} XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXXXXXX XXXX XXXXXXXX # XXXX XX/XX/XXXX XXXX {$1800.00} XXXX # XXXX XX/XX/XXXX -- {$2500.00} XXXXXXXX XXXX # XXXX XX/XX/XXXX -- {$1300.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: FL

Complaint narrative:
I have repeatedly requested proper verification of the accounts listed below, as required by law. Continuing to report unverified or inaccurate information is a violation of the Fair Credit Reporting Act. Under Sections 609 and 611, you must either verify these accounts with documented evidence or remove them. Failure to comply will result in further legal action and complaints to the CFPB and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX IN COMPANY ) XXXX XXXX XXXX Balance : {$350.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year>

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 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have no knowledge of these inquiries, and they appear to be unauthorized. I request that immediate steps be taken to rectify this situation. Relevant documents are attached for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: DC

Complaint narrative:
I am requesting the permanent deletion of all fraudulent accounts and unauthorized inquiries listed in my dispute from my credit report. These entries were the result of identity theft, and I have already submitted the required documents under the FCRA and federal law, including : FTC Identity Theft Report Government-issued photo ID Social Security card Proof of current address Specifically, the following inquiries must be removed from my report : 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  In accordance with 15 U.S.C. 1681c2, these entries must be blocked within 4 business days. I am also requesting that you provide : A written confirmation of the deletions and identity theft blocks An updated copy of my credit report reflecting these corrections If you can not verify and validate these inquiries with signed authorization or application documentation, then they must be permanently removed from my file per 15 U.S.C. 1681i ( a ).

Failure to act will result in complaints to the CFPB, FTC, BBB, and Attorney General, and I may pursue legal action under FCRA 616.

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 2025-07-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Mr. Cooper Group Inc.
State: LA

Complaint narrative:
In XXXX of XXXX  my mortgage with XXXX was transferred to Mr. Cooper. When I received notice of the transfer I called the number on the statement letter. Giving the new loan number XXXX the automated system was unable to locate me, by name, loan number and SS #. I assumed that process of transfer had not been completed. I continue to make mortgage payments to XXXX and assumed that the payments would be transferred to Mr. Cooper once process was complete. I started to received statements from Lakeview, confused I again attempted to call Mr. Cooper. Since I was unable to contact anyone at XXXX XXXX, I decided to get a printout from my bank. The statement shows that a payment of {$1100.00} made on XX/XX/year> was received by a company named Nationstar Mortgage. Nationstar??. Payments made on XX/XX/year> {$1000.00}, XX/XX/year> {$1000.00}, XX/XX/scrub>XXXX XXXX XXXX XXXX XXXXXX/XX/year> {$1300.00} ( this payment has not cleared band as of XX/XX/year>. Finally spoke to rep and was told that Nationstar is a Mr. Cooper company and that I was in foreclosure. Rep stated that I owed over {$7000.00} in past due mortgage payments. If I pay the {$7000.00} is Mr. Cooper going to accept it, or it s ploy to rob a XXXX  citizen of her home?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
A late payment has been reported on my credit file, which I believe is inaccurate. I have a solid history of timely payments, and this report contradicts that record.

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 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: NC

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

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 2025-07-23 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 am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

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 2025-07-23 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: TX

Complaint narrative:
I am disputing a XXXX  listed on my Equifax, Transunion and Experian credit report. I initiated a formal dispute and requested verification. Equifax responded that the XXXX  was verified through XXXX. 

However, XXXX is a third-party data aggregator, not the furnisher of this XXXX  record. According to the court where the XXXX  was filed, they do not report to or verify with any credit bureau or third-party agency such as XXXX. 

Under the Fair Credit Reporting Act ( FCRA XXXX ), credit bureaus are required to verify disputed information with the original furnisher. Using XXXX as a substitute does not meet this legal standard. Therefore, Equifax has failed to properly investigate and has reinserted unverifiable information. 

I have made a good-faith effort to resolve this directly with Equifax, and I am now requesting CFPB assistance to compel : A proper investigation with verification from the original source ( the court ) Or immediate deletion of this bankruptcy record from my Equifax 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 non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am disputing a XXXX  listed on my Equifax, Transunion and Experian credit report. I initiated a formal dispute and requested verification. Equifax responded that the XXXX  was verified through XXXX. 

However, XXXX is a third-party data aggregator, not the furnisher of this XXXX  record. According to the court where the XXXX  was filed, they do not report to or verify with any credit bureau or third-party agency such as XXXX. 

Under the Fair Credit Reporting Act ( FCRA XXXX ), credit bureaus are required to verify disputed information with the original furnisher. Using XXXX as a substitute does not meet this legal standard. Therefore, Equifax has failed to properly investigate and has reinserted unverifiable information. 

I have made a good-faith effort to resolve this directly with Equifax, and I am now requesting CFPB assistance to compel : A proper investigation with verification from the original source ( the court ) Or immediate deletion of this bankruptcy record from my Equifax 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 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am not accountable for the fraudulent accounts listed and demand their removal under USC 1681g within 15 days.

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 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 2025-07-23 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:
CFPB Complaint Inaccurate Reporting on Closed Account ( XXXX XXXX XXXX XXXX To whom it may concern, I am submitting this formal complaint regarding the continued inaccurate reporting of a XXXX XXXX XXXX  credit card account ending in XXXX XXXX XXXX XXXX XXXX  which was officially closed on XX/XX/XXXX ( Equifax ) and XX/XX/XXXX ( XXXX XXXX. Despite this, the credit bureaus continue to report late payments and account activity well into XXXX and XXXX. 

Summary of Issues : Account was closed in XXXX, yet : Equifax reports Last Activity as XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX Late payments continue to appear throughout XXXX and XXXX : All bureaus report 30, 60, 90, and 120 days late in early XXXX, long after the account was closed. 

Inconsistent reporting : Balance is shown as {$0.00} in Equifax, but {$850.00} in XXXX 

The Date of Last Payment varies across bureaus, with some claiming XX/XX/XXXX, which is impossible if the account was closed in XXXX. 

Legal Violations Fair Credit Reporting Act ( FCRA ) : This reporting violates several sections of the FCRA ( 15 U.S.C. 1681 et seq. ) : 1681e ( b ) : Bureaus must maintain procedures to ensure maximum possible accuracy.

1681i ( a ) : Bureaus must correct or remove inaccurate, incomplete, or unverifiable information within 30 days of a dispute.

1681s-2 ( a ) ( 1 ) ( A ) : Furnishers XXXX XXXX XXXX XXXXXXXX ) must not report data they know or reasonably believe to be inaccurate.

1681s-2 ( b ) : Furnishers must promptly investigate and correct any errors after receiving a consumer dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: DC

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: VA

Complaint narrative:
I want to start by saying I am on XXXX so I only use my account for in person transactions usually and mainly groceries or bills. 

I noticed several transactions that weren't me, however each time I would call I could never get around the XXXX  XXXX  that greets you now. 

I had charges that I disputed ranging from : XX/XX/XXXX : Charge listed only as " XXXX  '' {$220.00} - anyone who has done business with airbnb knows this is not how they do bank statement. 
XXXX listed on XXXX as " XXXX '' {$250.00} - anyone who has done business with XXXX  knows this is not how they appear on a bank statement. 
XX/XX/XXXX : XXXXXXXX XXXX  And XXXX : {$130.00} - Never used XXXX. 
XX/XX/XXXX : XXXX XXXX XXXX XXXX : {$380.00} - Contacted and confirmed with them that the person who rented was not me and they admitted to not checking for any card upon using to make sure the names matched. This is a strict XXXX policy and most policies for most companies. 
XX/XX/XXXX : XXXX  for {$40.00} - Never heard of them XX/XX/XXXX : XXXX XXXX XXXX XXXX : {$100.00} XX/XX/XXXX : XXXX XXXX XXXX XXXX : {$50.00} XX/XX/XXXX : XXXX XXXXXXXX XXXX XXXX : {$50.00} XX/XX/XXXX : XXXX XXXXXXXX XXXX XXXX {$50.00} XX/XX/XXXX XXXX XXXX  for {$50.00}, {$200.00}, {$22.00} - and XXXX has even confirmed my information did not match the persons information on their account. But would not disclose any action they would take!! 

This is all of the charges I have disputed, as you see I have reached out to the companies in question besides the " XXXX  '' as that has no contact information. 

Chime handled my dispute within a week somehow, with " no error found '' upon calling I was informed they do have a " automatic XXXX '' setup that " determines if someone is lying or not '' and more likely than not deems 98 % of cases " lying '' and closes them. Only to then have to reappeal repeatedly and run in circles. I'm skipping that part and coming here as my next step is small claims court. When each company is saying the name on accounts aren't matching mine or anything and I am reporting unauthorized access but coming back " no error '' clearly there is a huge error.

Company response to consumer: Closed with explanation