vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-29 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: OH

Complaint narrative:
I am disputing several late payment entries reported by TransUnion, specifically tied to the accounts listed below. The XXXX XXXX XXXX XXXX account ( Account No. XXXX ) is reporting a late payment from XX/XX/XXXX with a balance of {$14000.00}. This entry is not only outdated, but there are discrepancies in how this payment is reported across bureaus, which raises serious concerns regarding the accuracy and consistency of the data. Additionally, the DEPTEDXXXX student loan account ( Account No. XXXX ) is a closed account with a {$0.00} balance and no past-due amount. Despite this, it is still marked with a derogatory late payment from XX/XX/XXXX. Furthermore, the XXXX account ( Account No. XXXX ), which is also closed with a {$0.00} balance, reflects a late payment on XX/XX/XXXX, which seems entirely unjustified given the account 's current standing. These outdated or inaccurate late marks continue to damage my credit profile and reflect a failure by TransUnion to update or remove obsolete and unverified information in accordance with the Fair Credit Reporting Act.

Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to ensure the maximum possible accuracy of any information they report. Additionally, 15 U.S.C. 1681i requires a reinvestigation of disputed data within 30 days. It is clear from the inconsistencies across the bureaus, as well as the inclusion of late payments on accounts that are closed and report {$0.00} balances, that TransUnion has failed to uphold its legal obligation to verify the integrity of these entries. The persistence of these items may be indicative of flawed reporting processes or errors stemming from potential data breaches that were never properly reconciled.

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 2025-05-29 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-05-29 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: TX

Complaint narrative:
I take my credit seriously, and I'm really concerned about the mistakes on my credit report. These errors are causing me a lot of stress and are impacting my ability to get new credit. I've worked hard to build my credit, and it's frustrating to see it affected by mistakes that aren't my fault. It's getting me anxious. I want you to get this fixed as soon as possible because I don't want any more damage to be done.

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 2025-05-29 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: 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 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 2025-05-29 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:
Charge Off ( TransUnion ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> - {$0.00} Im beyond frustrated with the continued presence of false, damaging information on my TransUnion credit report. These aren't minor oversights or accidental typosthey are substantial and harmful misrepresentations that continue to sabotage my financial progress and personal stability. Ive gone through the formal dispute process in good faith, hoping the issues would be corrected responsibly, only to be met with silence and negligence. The failure to properly investigate and resolve these errors has left me feeling ignored, disrespected, and financially punished for mistakes I did not make.

As a consumer, I have a legal right under the Fair Credit Reporting Act to a credit file that is completely accurate and substantiated by real, verifiable documentation. It is not my job to chase down proofIve done my part. If TransUnion can not produce direct and unquestionable evidence to support the continued reporting of these entries, then it is obligated by federal law to delete them immediately. This isnt a requestits a demand for compliance. If you continue to ignore my concerns, I will treat this as a willful violation of my rights and take further action to hold you accountable. My creditworthiness is not something I take lightly, and you should not either.

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 2025-05-29 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: MD

Complaint narrative:
It feels unjust that despite my consistent track record of on-time payments for this account, I find myself in this predicament. I urge you to rectify my account promptly to ensure its accurate representation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: CA

Complaint narrative:
My credit file has been compromised as a result of a data breach, causing fraudulent accounts to be listed. Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), I demand these accounts be blocked and removed within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX CA XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$670.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$790.00} Inquiries XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: AmWest Funding Corp.
State: CA

Complaint narrative:
In XXXX, I purchased the property at XXXX XXXX XXXX, XXXX XXXX, CA. Although the mortgage loan is under my friend XXXX XXXX name due to my credit challenges at the time, I have been the sole financial contributor. I paid over {$330000.00} toward the closing and have made every mortgage payment from my own account. In XXXX, I was officially added to the title as the legal owner. 

In XXXX, during an extremely difficult personal periodmy husband had just entered XXXX XXXX and I was left as a single mother of threeI was misled by a fraudulent loan modification agent who claimed to represent AmWest. This led to a delay in resolving my mortgage hardship. When I tried to fix the situation, a miscommunication involving the original borrower further complicated things.

Now, I am in escrow to fully sell the property and pay off the loan in full. However, AmWest is charging over {$150000.00} in interest, penalties, and fees. These charges are wiping out all of my remaining equity and taking everything Ive built. Despite my responsible ownership and full effort to pay off the loan, I am facing a devastating loss.

I have submitted a formal waiver request with documentation of the fraud, my financial contributions, the escrow process, and my hardship. I am asking the CFPB to intervene and ensure that I am not further punished for a situation I have tried every way to resolve in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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:
XXXX Experian, Equifax and Transunion are reporting late payment in XXXX of 2025. This late payment is incorrect and disputed through CFPB. The conclusion was XXXX agreed to submit and update consumer reporting.

" .. we can acknowledge this possibility and that our customer service could have been better in this instance. As a result, we have submitted an updated to the consumer reporting agencies to delete the late mark.

Respectfully, XXXX XXXX. 
XXXX XXXX XXXX However as of XX/XX/XXXX the late remark is still being reported to the 3 credit agencies.

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 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-05-29 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: CA

Complaint narrative:
Inquiry ( Experian ) XXXX  - Personal Loan Companies - XX/XX/year> ( Experian ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX- XX/XX/year> ( Experian ) XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX- XX/XX/year> ( Experian ) Despite repeated attempts to resolve these matters, Experian continues to allow damaging inaccuracies to persist on my credit profile. These unresolved errors are more than just frustratingthey are unjust, and they are actively interfering with my ability to move forward financially. Every time I apply for a loan, a credit card, or any financial opportunity, these incorrect entries stand as barriers that I shouldnt have to face. It is unacceptable that after multiple disputes, you still havent taken the appropriate steps to ensure your data is correct. 

Under the Fair Credit Reporting Act, you are legally required to verify every single reported item with original, legitimate documentation. If you can not confirm the accuracy of these records with credible, dated evidence, then these entries have no place on my report and must be removed immediately. I am demanding that you conduct a thorough reinvestigationnot a generic response, not a rubber-stamped review, but a meaningful audit backed by proper documentation. Continued delays and inaction will be treated as a deliberate and unlawful disregard of your obligations under federal law. Ive been more than patient, but my patience has run out.

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 2025-05-29 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: WA

Complaint narrative:
I take my credit seriously, just like anyone else, and the fact that there are still errors on my report is unacceptable. These inaccurate items are in pending litigation because of the way they were carelessly reported. Because they are in a pending litigation, you will not be able to verify what the disputed errors are and therefore these items need to be deleted under 15 U.S. Code 1681i ( a ). They have directly harmed my financial opportunities and taken a real toll on my mental health. My credit report should only reflect accurate information, which is why its important all data is verified. I expect my credit report to reflect only accurate, verified informationnothing less. This needs to be corrected immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: AZ

Complaint narrative:
I have submitted multiple fraud disputes to Current Bank ( powered by XXXX XXXX XXXX ) on : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. Each was denied, despite me submitting valid documentation, including police reports and identity theft reports. 
I was not issued any provisional credits per Regulation E, nor did I receive proper written denial letters explaining the investigation outcome or documents used.

I am now facing eviction due to lack of access to these funds. I have requested escalation and documentation from the bank and was ignored or deferred. I request CFPBs urgent assistance to compel the bank to comply with Regulation E.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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:
Dear CFPB Representative, I am writing to file a formal complaint regarding a fraudulent credit card account that has severely impacted my credit profile and financial standing. 

I have been a victim of identity theft, and an unauthorized {$25000.00} credit card account was fraudulently opened with XXXX XXXX XXXX XXXX ( XXXX ) in my name. I did not authorize or open this account, nor have I had any prior banking relationship with XXXX. 

Upon discovering the fraudulent account, I immediately took the following steps : Placed fraud alerts on my credit files with the XXXX credit bureaus Reported the fraud directly to XXXX XXXX XXXX XXXX, who acknowledged the issue and began an internal review Submitted formal disputes to XXXX  and Equifax with all supporting documentation, including my FTC report, proof of identity, and a letter explaining the fraud Despite these efforts, both XXXX  and Equifax have denied my disputes and continue to report the {$25000.00} XXXX XXXX XXXX credit card account as valid. As a result, my credit score has dropped by over XXXX points, causing significant financial hardship, including being denied credit and facing increased interest rates. 

Investigating why XXXX  and Equifax have failed to remove the fraudulent account, despite being provided with substantial evidence of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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:
Dear CFPB Representative, I am writing to file a formal complaint regarding a fraudulent credit card account that has severely impacted my credit profile and financial standing. 

I have been a victim of identity theft, and an unauthorized {$25000.00} credit card account was fraudulently opened with XXXX XXXX XXXX XXXX ( XXXX ) in my name. I did not authorize or open this account, nor have I had any prior banking relationship with XXXX. 

Upon discovering the fraudulent account, I immediately took the following steps : Placed fraud alerts on my credit files with the XXXX credit bureaus Reported the fraud directly to XXXX XXXX XXXX XXXX, who acknowledged the issue and began an internal review Submitted formal disputes to TransUnion and XXXX  with all supporting documentation, including my FTC report, proof of identity, and a letter explaining the fraud Despite these efforts, both TransUnion and Equifax have denied my disputes and continue to report the {$25000.00} XXXX XXXX XXXX credit card account as valid. As a result, my credit score has dropped by over XXXX points, causing significant financial hardship, including being denied credit and facing increased interest rates. 

Investigating why TransUnion and XXXX  have failed to remove the fraudulent account, despite being provided with substantial evidence 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 non-monetary relief
Consumer complaint received 2025-05-29 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:
As someone who consistently adheres to payment schedules, I was surprised to discover a late payment notation on my account. This appears to be an error, and I would appreciate your prompt attention to rectify it and update my records accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Allied Collection Service, Inc. (Indiana)
State: IN

Complaint narrative:
I paid the debt of XXXX to allied collection in XXXX Indiana. The day it was paid off they went to court to file for interest and put another XXXX on the bill. I never received court papers to go to court they went and got judgement the same day or following day. I read about it on my case. They are crooks. XXXX XXXX XXXX buys these dilequent bills at a fraction of the cost and I never agreed to pay them interest

Company response to consumer: Closed with explanation