vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PLANET HOME LENDING, LLC
State: WI

Complaint narrative:
I have spent hours and hours on the phone with Planet Home Lending, and have not gotten any results. They keep passing me around from person to person.They are saying that we have a shortage of {$2300.00} in our Escrow account that we owe. This is an error on their part. Nobody at Planet Home Lending has been able to figure out where this shortage comes from, yet they say we still need to pay. 

We bought our house in XXXX of 2024. 

Our monthly mortgage payment ( principal and interest ) is : {$1600.00} Yearly taxes : {$3900.00} Yearly insurace : {$1300.00} This equals : {$2000.00} We have been paying {$2000.00} per month. 

This would amount to a $ XXXX/month shortage. Nobody at Planet Home Lending has been able to come up with any reason why we would owe {$2300.00}. 


I question whether this is a mistake or this is fraud. I will not pay this, however, I do not want them to report on my credit report. 

Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this complaint because TransUnion continues to report multiple charge-off accounts that are either inaccurate, misrepresented, or potentially the result of a systemic failure to properly verify account ownership and validity in light of widespread data breaches. My credit file reflects charge-off accounts from XXXX XXXX  XXXX XX/XX/XXXX with a balance of {$2300.00}, XXXX reported on XX/XX/XXXX for {$700.00}, and XXXX dated XX/XX/XXXX with a balance of {$0.00}. These entries are being reported in a way that suggests unresolved financial obligation and derogatory activity, despite the fact that at least XXXX of them reflects a {$0.00} balance, which contradicts the classification of a charge-off. 

Under 15 U.S.C. 1681i, TransUnion is legally obligated to conduct a thorough reinvestigation when consumers dispute information on their credit file. Furthermore, 15 U.S.C. 1681e ( b ) requires that all information reported by consumer reporting agencies be accurate and complete. The failure to accurately update or remove accounts that are either resolved, unverifiable, or reported inconsistently, such as XXXX at {$0.00} still showing as a charge-off, calls into question the reliability of the data TransUnion is distributing. I have serious concerns that some of these accounts may not even be fully mine or have been compromised in connection with potential data breaches, which are a growing and legitimate concern affecting millions of consumers.

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Both TransUnion and XXXX are reporting a late payment from XXXX, account number ending in XXXXXXXX XXXX XXXX XXXX XXXX dated XX/XX/year>. I dispute the accuracy of this late payment entry. Despite the age of this account, there has been no proper or reasonable investigation conducted to verify that this late payment is accurately reported and truly reflects my payment history. Under the Fair Credit Reporting Act ( FCRA ), both credit bureaus are required to ensure that all reported information is complete and accurate. 

Given the widespread incidents of data breaches and systemic errors within credit reporting agencies and creditors, it is entirely possible that this late payment entry is the result of compromised or erroneous data. Both TransUnion and XXXX have a legal obligation under 15 U.S.C. 1681i to conduct a thorough reinvestigation of disputed items within 30 days, and to correct or update information that can not be verified or is found to be inaccurate. The presence of this questionable late payment is unjustly harming my creditworthiness.

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 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX XXXX and the credit bureau for continuing to report a closed student loan account that has not been verified. 

On XX/XX/year>, I submitted a formal dispute and requested verification of the account under the Fair Credit Reporting Act ( FCRA ) 609 ( a ) ( 1 ). I specifically asked for the original signed Master Promissory Note, legal proof of authority to report the loan, and the complete account and payment history. 

No documentation was provided in response to this legal request. 

Under FCRA 611 ( a ), any disputed item that can not be verified within 30 days must be deleted. This account remains on my credit report without verified documentation and continues to negatively affect my credit. 

I am requesting that the CFPB investigate and enforce the law requiring deletion of unverifiable information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: MI

Complaint narrative:
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  To : TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Inaccurate Late Payment Reporting for XXXX XXXX Account Dear Credit Bureau Representative, I am writing to formally dispute the reporting of late payments for the following account : - Creditor Name : XXXX XXXX XXXX Account Number ( partial ) : XXXX - Date Opened : XX/XX/XXXX - Reported Late Payments : XX/XX/XXXX ( 30 days ), XX/XX/XXXX ( 60 days ) I believe these late payment entries are inaccurate and do not reflect my payment history correctly. 
According to my records, I made payments on time or communicated financial hardship. Please investigate this matter and remove the late payment notations from my credit file. 
I have attached copies of supporting documents, including proof of payments and account correspondence, to assist with your investigation. 
Please conduct a reinvestigation and provide me with the results in writing at your earliest convenience. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date of Birth : XXXX  Experian XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute/Clarification of Hard Inquiries on My Credit Report Dear Experian, I am reviewing my credit report and noticed hard inquiries that I do not recall authorizing. I request that you investigate and remove any unauthorized inquiries from my credit file. Specifically, I request review of any inquiries made without my consent or those older than XXXX years. 
Please verify the following : - The date and purpose of the inquiries- Whether authorization was given - The identity of the requesting entity If any inquiry is found to be unauthorized or outdated, I request its immediate removal from my credit report. 
Thank you for your time and attention to this matter. Please confirm the results of your investigation in writing. 
SincerelyXXXX 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 2025-05-22 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-21 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: MS

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-05-21 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian supposed to block or remove the negative account ending in XXXX there a federal trade identity report on filed my social security XXXX also the hard credit report inquiries to.

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 2025-05-22 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: OH

Complaint narrative:
I request that u remove the folowin items from my file. The items I am requestin that you remov are listed in the report. I am an identity theft victim and I never authorizd the charge. I request that you remove the items in order to clear my credit record. I reported the identity theft to the Federal Trade Commission and I have provided duplicate copies of the Federal Trade Commissions Identity Theft Affidavit. Remov the items as soon as u can.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: OH

Complaint narrative:
I request that u remove the folowin items from my file. The items I am requestin that you remov are listed in the report. I am an identity theft victim and I never authorizd the charge. I request that you remove the items in order to clear my credit record. I reported the identity theft to the Federal Trade Commission and I have provided duplicate copies of the Federal Trade Commissions Identity Theft Affidavit. Remov the items as soon as u can.

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Subject : Dispute of Inaccurate Personal Information in Credit Report I am submitting this dispute to the CFPB regarding inaccuracies in my personal information as reported in my credit report by [ Experian ]. 
Details of the Dispute : XXXX. Incorrect Name : My current legal name is [ XXXX XXXX XXXX XXXX, but it is incorrectly listed as [ XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ]. I request that my name be updated to reflect the correct information. 
XXXX. Outdated Address : My current residential address is [ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Texas XXXXXXXX ], while my credit report shows an outdated address of [ XXXX XXXX XXXX XXXX XXXX Tx XXXX ]. I request that my current address be updated accordingly. 
XXXX. Incorrect Contact Information : I request that my new phone number, [ XXXX ], be updated as my primary contact number. 
XXXX. The correct employment information is XXXX XXXX XXXX XXXX, where I am the CEO. The incorrect information is XXXX. I request that you update the information to reflect the correct information. Thank you. 
Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my drivers license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address. 
A copy of my phone bill or any official document that displays my correct phone number. 
Request for Confirmation : I request that [ Credit Bureau Name ] investigate this matter and provide me with written confirmation once the updates have been made. Additionally, I would like to receive an updated copy of my credit report reflecting these changes. 
Contact Information : If you require further information or documentation, please do not hesitate to contact me at [ Your Telephone Number ] or by email at [ Your Email Address ]. 
Thank you for your prompt attention to 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 2025-05-21 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian XXXX. XXXX XXXX XXXX, TX XXXX Subject : Credit Report Dispute Incorrect Addresses and Unauthorized Inquiries To Whom It May Concern, I am writing to formally dispute and request the removal of inaccurate information appearing on my Experian credit report.

After reviewing my credit file, I have identified the following issues : 1. Incorrect Addresses I have one address which is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX this is the only address should be present on my Experian Credit report There are several addresses listed on my credit report that are incorrect and do not belong to me. These may be due to clerical errors or possibly identity confusion. Please investigate and remove the inaccurate addresses Additionally, I noticed hard inquiries on my credit report that I did not authorize. According to the Fair Credit Reporting Act ( FCRA ), inquiries must be authorized by the consumer, and I am requesting the removal of the following inquiries : 2. Unauthorized Hard Inquiries 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 XXXXXX/XX/XXXX I am requesting that these items be investigated and removed from my report, as they do not reflect accurate or authorized activity. 
Enclosed are copies of my government-issued ID and copy of SS Card Please complete the investigation and provide me with a written response within the 30-day timeframe allowed under the FCRA. 



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 2025-05-21 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: CA

Complaint narrative:
Experian is reporting a late payment for XXXX XXXX XXXX, account ending XXXX XXXX XXXX XXXX XXXX dated XX/XX/year>, with an account balance of {$1800.00}. I dispute this late payment entry as it appears to be inaccurate or incomplete. Experian, as a consumer reporting agency, is required under the FCRA to maintain strict standards of accuracy and to reinvestigate disputed items promptly and thoroughly. The incorrect reporting of late payments can cause substantial harm to consumers and may result from errors due to data breaches or other systemic failures in reporting.

Given the critical impact of this entry on my credit profile, I demand that Experian fulfill its legal obligation to conduct a comprehensive reinvestigation as outlined in 15 U.S.C. 1681i. The late payment must be corrected or updated to reflect accurate payment history, protecting my financial interests and credit reputation.

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 2025-05-21 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: MD

Complaint narrative:
Subject : Urgent Request for Correction of Inaccurate Personal Information Under FCRA 1681e ( b ) Dear CFPB, I am submitting this formal complaint regarding multiple instances of inaccurate personal information appearing on my credit reports from Equifax, Experian, and TransUnion. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ), credit reporting agencies must maintain reasonable procedures to ensure maximum possible accuracy of consumer information.

The following personal information is incorrect and requires immediate removal : Incorrect Name Variation : Reported : XXXXXXXX XXXX Correct : [ Your Full Legal Name ] Incorrect Previous Addresses : XXXX XXXX XXXX XXXX XXXX, CA XXXX ( Never resided ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX ( Never resided ) XXXX XXXX XXXX AV XXXX, XXXX XXXX, CA XXXX ( Never resided ) XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX ( Never resided ) Incorrect Name/Address Combination : Reported : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX Correct : [ Your Current Accurate Information ] Legal Basis for Removal : FCRA 1681e ( b ) : Requires credit bureaus to follow reasonable procedures for accuracy FCRA 1681i : Grants consumers right to dispute inaccurate information CFPB Bulletin 2013-01 : Mandates proper investigation of disputes Demanded Actions : Immediate removal of all inaccurate personal information Written confirmation from all three bureaus once corrected Free updated credit reports reflecting changes Investigation into how inaccurate information was reported Supporting Evidence : Government-issued ID ( copy attached ) Utility bills/lease agreements proving residence history Previous dispute correspondence ( if applicable ) This inaccurate information may indicate potential identity mixing or identity theft, and its presence violates my rights under federal law. I demand resolution within the FCRA 's mandated 30-day timeframe.

Sincerely,

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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