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: 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 2025-11-13 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: CA

Complaint narrative:
I am disputing the following accounts on my TransUnion credit report as inaccurate or unverifiable. 

Charged-Off Account in Dispute XXXX Funding Account Number : XXXX Date Opened : XX/XX/2024 Reported Balance : {$100.00} Reason for Dispute : The reporting of this account appears inconsistent and possibly unverifiable. I request that TransUnion verify the validity of the debt, including balance, ownership, and charge-off details. If it can not be validated, please remove it from my credit report. 

Late Payment in Dispute XXXX XXXX XXXXXXXX Account Number ( Last Digits ) : XXXX Reason for Dispute : The late payment reported on this account appears to be inaccurate. Please verify or remove the late payment entry if it can not be substantiated with complete payment records.

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: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: MIDFIRST BANK
State: PA

Complaint narrative:
XX/XX/2025, I received a letter from XXXX Mortgage in regards to a payment assistance plan with them. I received a letter dated XX/XX/2025 which told me I wasn't approved for the assistance plan even though they couldn't give me a good reason why, none of the reasons why we weren't approved which were listed were actual reasons which we provided. I called the company 3 times and was given XXXX different answers when it came to getting approved, XXXX representative told me she didn't see any reason why we couldn't get approved. Another had us file early and we were denied because we weren't 2 months delinquent, we appealed once we were 2 months delinquent per what the representative told us and assured us we would be approved, we were not and they had no actual basis for not approving.

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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
On XX/XX/XXXX I was notified that there were XXXX fraudulent credit inquiries on my credit report. XXXX was for a XXXX dealership in XXXX California known as XXXX XXXX, XXXX was for XXXX XXXX and XXXX were for Consumer Portfolio Services which appears to be a car finance company in california. When speaking with XXXX XXXX only after confirming that I was not recording the call they confirmed that the individual who caused this inquiry was able to purchase a vehicle and get a {$24000.00} loan. I am concerned that someone could have taken out debt in my name by fraudulently utilizing my identity or could utilize a vehicle purchased with my information for ilegal purposes. I have not been in the state of California in a very long time and certainly did not purchase this car or apply for a loan and I do not live in the address the credit burau states the individual applying for credit listed.

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 — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On XX/XX/XXXX I was notified that there were XXXX fraudulent credit inquiries on my credit report. XXXX was for a XXXX dealership in XXXX California known as XXXX XXXX, XXXX was for JP Morgan and XXXX were for Consumer Portfolio Services which appears to be a car finance company in california. When speaking with XXXX XXXX only after confirming that I was not recording the call they confirmed that the individual who caused this inquiry was able to purchase a vehicle and get a {$24000.00} loan. I am concerned that someone could have taken out debt in my name by fraudulently utilizing my identity or could utilize a vehicle purchased with my information for ilegal purposes. I have not been in the state of California in a very long time and certainly did not purchase this car or apply for a loan and I do not live in the address the credit burau states the individual applying for credit listed.

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 — Credit inquiries on your report that you don't recognize
Company: Consumer Portfolio Services, Inc.
State: OH

Complaint narrative:
On XX/XX/XXXX I was notified that there were 5 fraudulent credit inquiries on my credit report. One was for a XXXX dealership in XXXX California known as XXXX XXXX, one was for XXXX XXXX and 3 were for Consumer Portfolio Services which appears to be a car finance company in california. When speaking with XXXX XXXX only after confirming that I was not recording the call they confirmed that the individual who caused this inquiry was able to purchase a vehicle and get a {$24000.00} loan. I am concerned that someone could have taken out debt in my name by fraudulently utilizing my identity or could utilize a vehicle purchased with my information for ilegal purposes. I have not been in the state of California in a very long time and certainly did not purchase this car or apply for a loan and I do not live in the address the credit burau states the individual applying for credit listed.

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 — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: TN

Complaint narrative:
I am writing to formally dispute and request an investigation into the reporting and verification of a bankruptcy appearing on my credit report. The bankruptcy in question is filed through the XXXX Bankruptcy XXXX for the XXXX XXXX of Tennessee, yet LexisNexis has reported that this information was verified through the XXXX XXXX XXXX in Texas. This raises serious concerns about the accuracy and source of the verification. 

To clarify : I disputed the bankruptcy with all credit bureaus and included a letter from the furnisher confirming that they do not report or verify any information with credit bureaus. 

Despite this, LexisNexis responded that the bankruptcy was verified as accurate using data obtained from XXXX XXXX XXXX in Texas, which is inconsistent with the jurisdiction of my actual bankruptcy case. 

This response indicates that LexisNexis may have relied on inaccurate or mismatched court data, in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ), which requires consumer reporting agencies to ensure the maximum possible accuracy of information. 

I am requesting that : LexisNexis conduct a full reinvestigation and provide documentation showing exactly how and from where the bankruptcy was verified. 

XXXX XXXX XXXX confirm whether any data was supplied to LexisNexis for a case originating from the XXXX XXXX of Tennessee. 

The CFPB review this matter as a potential compliance issue under the FCRA, given the conflicting verification sources. 

If LexisNexis can not verify the accuracy of the record directly with the XXXX Bankruptcy XXXX for the XXXX XXXX of Tennessee, the bankruptcy must be deleted from my credit file immediately.

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:
Hi, please help me. I have never used my personal credit and after reviewing it with my son and financial advisor, I found some accounts that i did not open. I also found out I'm a victim of the Equifax data breach so I reached out to a consumer law attorney and was informed that these credit agencies are in violation of several consumer laws by reporting this false information. Please delete these accounts from my credit immediately. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ), XXXX XXXX, XXXX  XXXX, XXXX XXXX ( XXXX ), XXXX XXXX. Please provide the contracts for these companies.

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: EQUIFAX, INC.
State: NC

Complaint narrative:
Hi, please help me. I have never used my personal credit and after reviewing it with my son and financial advisor, I found some accounts that i did not open. I also found out I'm a victim of the Equifax data breach so I reached out to a consumer law attorney and was informed that these credit agencies are in violation of several consumer laws by reporting this false information. Please delete these accounts from my credit immediately. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ), XXXX XXXX, XXXX  XXXX, XXXX XXXX ( XXXX ), XXXX XXXX. Please provide the contracts for these companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
I have been a XXXX customer for several years. Recently, my XXXX access was abruptly banned without any notice, explanation, or communication from XXXX. I did not receive an email, message, or alert informing me that my access would be removed, nor was I given any reason afterward. 

When I contacted XXXX customer service to understand why this happened, I was only given a generic response that offered no details. I was told that no matter how many times I call, the answer will be the same, and that no explanation would be provided. The representatives were dismissive and refused to conduct a proper review or provide clarity on the situation. 

I have not violated any XXXX or XXXX terms. This action appears to have been taken without proper investigation or due process, and the lack of transparency has caused inconvenience and financial disruption. 

What I am requesting : XXXX. A clear explanation of why my XXXX access was banned XXXX. A full review of my account to determine if an error occurred XXXX. Written documentation of the findings XXXX. Restoration of my XXXX access if no valid violation is found I am filing this complaint because XXXX has not provided any meaningful information or support and has denied my right to understand or dispute the action taken on my account.

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 information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am formally disputing the accuracy and validity of a XXXX account currently reporting on my credit file. After a thorough review of my credit report, I have found this account to be inaccurate, incomplete, and unverifiable under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

Pursuant to FCRA 602 ( A ) and 611 ( 15 U.S.C. 1681i ), I am exercising my right to dispute any information that is being reported inaccurately or can not be verified. The creditor in question has failed to provide documented proof validating the alleged debt, including a signed contract or any evidence of ownership or authorization.

Under FCRA 609 ( a ) ( 1 ), I have the right to full disclosure of all information the credit bureau has on file regarding this account, and under FCRA 623 ( a ) ( 1 ) ( A ), furnishers of information are prohibited from reporting inaccurate or unverifiable data to consumer reporting agencies. Continuing to report unverifiable or erroneous information constitutes willful noncompliance and a direct violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I am disputing the derogatory account being reported by SYNCB/CCAMCO because the information they are furnishing appears to be inaccurate, incomplete, and not supported by proper documentation. When reviewing my credit reports, I noticed that SYNCB/CCAMCO is reporting a negative account with late payment history and derogatory status even though the account shows a zero balance and was closed years ago.

The dates, payment history, and status being reported by SYNCB/CCAMCO do not match the actual timeline of the account. The late payment notation they furnished appears inconsistent with how the account was managed, and the reporting suggests delinquency that does not reflect the account 's closure and final balance.

I submitted a dispute to the credit reporting agencies requesting a full reinvestigation of this account. I asked them to obtain documentation from SYNCB/CCAMCO showing how they verified the information, including the original agreement, billing statements, payment history, closure records, and any documentation supporting the late payment being reported.

Instead of providing documentation, the credit bureaus responded with generic verified notices without explaining how the verification was conducted. SYNCB/CCAMCO did not supply any of the requested original records, and no proof was provided showing that the late payment or derogatory status being reported is accurate.

There are also inconsistencies between how this SYNCB/CCAMCO account appears across different credit bureaus. The delinquency dates, status, and reporting history do not match, which indicates that the information is not being furnished consistently or accurately. If the bureaus are displaying different information for the same account, it raises concerns that SYNCB/CCAMCOs reporting is unreliable or not properly validated.

Additionally, the account was not marked as disputed by the furnisher even after my dispute was submitted, which is required under federal reporting guidelines. This failure to update the dispute status creates a misleading impression for lenders who review the file.

Because SYNCB/CCAMCO did not provide documentation validating the derogatory reporting, and the information being furnished contains inconsistencies and inaccuracies, I am requesting that the company and the credit bureaus conduct a proper reinvestigation using original documentation and remove the derogatory information if it can not be fully substantiated.

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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am filing a complaint regarding an inaccurate charge-off reporting by XXXX XXXX XXXX XXXX account XXXX. The account continues to appear on my credit report with incorrect balance information, inconsistent dates, and a Date of First Delinquency ( DOFD ) that does not match my actual account history. 

I recently received a reinvestigation result from the credit bureau ( Report # XXXX, dated XX/XX/year> ) stating that the account would remain unchanged. However, the bureau did not explain how the account was verified or what documentation was used, which is required under FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ).

Under the Fair Credit Reporting Act, the credit bureau must : Maintain maximum possible accuracy ( 1681e ( b ) ) Conduct a reasonable reinvestigation when an error is disputed ( 1681i ( a ) ( 1 ) ( A ) ) Provide the method of verification upon request ( 1681i ) The furnisher also has obligations under 1681s-2 ( b ) to review all relevant records and not rely on automated responses. 

I am specifically requesting verification of : The original balance at charge-off The actual Date of First Delinquency The internal payment posting ledger Any documents the furnisher provided to support the verification These items were not provided, and the information on my credit report remains inaccurate. If the furnisher can not produce the actual records needed to verify the account, the charge-off must be removed under the FCRA. 

This inaccurate reporting has caused me real harm : I was denied credit by a lender Another lender increased my interest rate, raising my monthly costs I have spent significant time disputing this issue, which has impacted my work and family responsibilities The ongoing inaccurate reporting has caused stress and financial strain

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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Random Late 60 Days account number : XXXX Account is closed Past due = {$0.00} Then payment status shows Late 60 Days No month-by-month grid, no documentation

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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to dispute several items on my credit report across the three major credit bureaus. I have listed the items below and would like to request that they be thoroughly investigated for accuracy and removal where applicable, in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off 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 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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: FL

Complaint narrative:
Ive attempted to resolve this issue with this company a numerous amount of times between the months of XX/XX/XXXX - XX/XX/XXXX. They claim they can not set up a payment plan which is crazy. They claim the debt is a total of {$3000.00} and even tried to take my taxes for the year XXXX which was a total of {$800.00}. They called and harassed me when they did not receive the total amount which is crazy. How can you be upset that I didnt make $ XXXX in taxes? Anyway I attempted to set up a payment plan today XX/XX/XXXX and was denied again. I stated that if they agreed to the payment plan which would have been {$100.00} bi-weekly {$200.00} a month that this situation would have been close to, if not resolved. They also claim that this is because the apartment complex had mold which I will be attaching the files between I and the complex showing they brushed off the A/C problem which led up to mold. In the attachments it will show I attempted to inform the complex of The A/C problem ahead of time & they clearly ignored them.

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: TX

Complaint narrative:
I am requesting that TransUnion reinvestigate the accounts below, as several appear inconsistent between bureaus or are missing complete and accurate reporting information. 

Charged-Off Accounts in Dispute ( TransUnion ) XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX {$450.00} XXXX XXXX XXXX XX/XX/XXXX {$2100.00} XXXX XXXX XX/XX/XXXX {$220.00} Reason for Dispute : These accounts show differences across bureaus, inconsistent balances, or unclear reporting status. I request that TransUnion verify each item with the original creditor or remove the information if it can not be validated. 

Late Payment Accounts in Dispute ( TransUnion ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reason for Dispute : I believe these late payments may be inaccurately reported or lacking proper validation. Please verify all dates and statuses or delete them if unverifiable.

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