vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-13 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
My mortgage is through Wells Fargo and I have made on time payments consistently for 4 years. They are not reporting to XXXX  and it is causing my credit score to be XXXX points less than the other two credit bureaus. I have been turned down lines of credit and credit cards because of this. I called Wells Fargo three times and the call was disconnected twice. The 3rd time, the representative kept assuring me that my payments are on time and look good on their end. I had to explain multiple times that I was not calling about whether my payments look good-I know they look good. Im calling to find out why theyre not being reported to all 3 bureaus. She finally said that I would have to call XXXX  I am frustrated because this is affecting my life!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I NEVER REQUESTED TO PUT ANY ALERT ON MY CREDIT PROFILE. I SENT DOCUMENTS ABOUT HOW I NEEDED FRAUD ALERTS AND CONSUMER STATEMENTS REMOVED OFF OF MY EQUIFAX CREDIT REPORT AND THEY HAVE NOT HONORED MY REQUEST, THEY ARE STILL REPORTING A FRAUD ALERT AND STATEMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: GA

Complaint narrative:
I am requesting that you : Reinvestigate the disputed late payment for the account listed above. 

Require the creditor to provide dated, verifiable proof that I was notified of the payment due date before it was reported late. 

Permanently delete the late payment entry from my credit file if proof can not be provided.

Send written confirmation of the deletion along with an updated copy of my credit report within 15 business days.

This resolution is fair, reasonable, and in full compliance with my rights under the Fair Credit Reporting Act ( FCRA ). If you fail to comply, I will pursue additional action through the FTC, my state Attorney General, and the courts, seeking all remedies available under FCRA 616. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Self Financial Inc.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, LA XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Notice of Dispute Regarding debt collection. Account SELF FINANCIAL/LEAD BANK XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX MO XXXX Dear CFPB, I am submitting this formal dispute regarding a charged-off debt reported by XXXX XXXX / Debt Collection , referenced by account number XXXX. I dispute the validity and accuracy of this debt and request a thorough investigation. 

Please review the following issues : The account status reported may be inaccurate or misleading.

The balance reported may not reflect payments or settlements made.

The dates associated with the account ( opened, closed, charged-off ) may be incorrect.

[ Include any additional specific concerns you have. ] I request that the CFPB intervene to ensure XXXX XXXX / Debt Collection validates this debt properly and corrects any inaccuracies in my credit report or collection records. 

Enclosed are copies of any supporting documentation to assist your review. 

Thank you for your assistance and prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: NV

Complaint narrative:
I am filing this complaint against TransUnion for willful and negligent violations of the Fair Credit Reporting Act ( FCRA ), specifically 1681e ( b ), 1681c-2, and 1681i, for knowingly allowing fraudulent accounts to appear and remain on my credit file. The following accounts are 100 % fraudulent and were opened without my knowledge, authorization, or consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts are the direct result of identity theft, yet TransUnion has failed to take the required actions under FCRA 1681c-2 ( a ) to block and remove this fraudulent information from my file. I have submitted formal disputes along with proof of identity, an FTC identity theft affidavit, and police report documentation, yet TransUnion continues to publish these damaging and false accounts. Their reckless inaction violates FCRA 1681i by failing to conduct a reasonable reinvestigation and 1681e ( b ) by failing to maintain maximum possible accuracy of consumer files. I demand that TransUnion immediately and permanently delete these fraudulent accounts, remove all related inquiries, provide written confirmation of deletion, disclose the names and contact information of the furnishers who reported these accounts, and supply complete documentation of their so-called verification process, including logs, communications, and records reviewed. TransUnions continued failure to comply constitutes willful noncompliance under FCRA 1681n and negligent noncompliance under 1681o, making them liable for statutory damages, actual damages, court costs, and attorney fees. I request the CFPB take immediate enforcement action to compel TransUnion to remove these fraudulent accounts and hold them accountable for their deliberate disregard of my rights under federal law. If this matter is not resolved promptly, I will escalate to full litigation to protect my credit and recover damages.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: TX

Complaint narrative:
b'I am writing to formally dispute the inaccurate, unverifiable, and noncompliant information being reported on my XXXX XXXXonsumer credit report. I am asserting my rights under the Fair Credit Reporting Act (FCRA), Consumer Financial Protection Act (CFPA), and citing direct violations confirmed by the CFPBs XXXX XXXX lawsuit against TRANSUNION \n\n**I am a victim of malpractice and broken laws based on the XXXX lawsuit against TRANSUNION .**And Im also filling this complaint due to XXXX repeated violations of federal consumer protection laws, failure to process my identity theft claims, reinsertion of accounts without notice, and continued reporting of inaccurate and noncompliant credit data. Despite multiple formal disputes, XXXX  has failed to meet its obligations under: - 15 U.S.C.  1681i  Failure to conduct a reasonable reinvestigation - 15 U.S.C.  1681i(a)(2)  Failure to forward all submitted documentation to furnishers - 15 U.S.C.  1681e(b)  Failure to maintain maximum possible accuracy - 15 U.S.C.  1681c-2  Failure to block fraudulent accounts upon identity theft report - 18 U.S.C.  1028  Identity Theft and Assumption Deterrence Act - FACTA  Fair and Accurate Credit Transactions Act of XXXX XXXX Metro 2 Compliance Standards Personal Information Inaccuracies XXXX  continues to list fraudulent and inaccurate addresses on my credit file, despite receiving my government-issued ID and utility documentation. The only valid address that should appear is listen in the letter All others are the result of identity theft or XXXX data mishandling.\n\nAccounts Reported in Violation of Federal Law\XXXX XXXX XXXX XXXX XXXX Failure to investigate identity theft (FCRA  1681c-2)\XXXX XXXX XXXX XXXX XXXX Failure to investigate identity theft (FCRA  1681c-2)\XXXX XXXX XXXX XXXX Failure to investigate identity theft (FCRA  1681c-2)\XXXX XXXX XXXX XXXX XXXX   Failure to investigate identity theft (FCRA  1681c-2) XXXX XXXX XXXX XXXX XXXX  Failure to investigate identity theft (FCRA  1681c-2) \nAccounts reinserted without MOV or consumer notice, Metro 2 violations (codes 30/31), FCRA  1681c-2 and  1681i(a)(2) violations Pattern of Misconduct  TRANSUNION  Lawsuit Reference This is not isolated. The CFPB filed suit against TRANSUNION in XXXX XXXX XXXX XXXX for failing to forward disputes, illegally reinserting accounts, and disregarding identity theft claims  the very same\nconduct Im reporting here. I am directly experiencing the same violations as outlined in that case'

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: EQUIFAX, INC.
State: TX

Complaint narrative:
b'I am writing to formally dispute the inaccurate, unverifiable, and noncompliant information being reported on my XXXX  consumer credit report. I am asserting my rights under the Fair Credit Reporting Act (FCRA), Consumer Financial Protection Act (CFPA), and citing direct violations confirmed by the CFPBs XXXX XXXX lawsuit against EQUIFAX \n\n**I am a victim of malpractice and broken laws based on the XXXX XXXXawsuit against EQUIFAX .**And Im also filling this complaint due to XXXX  repeated violations of federal consumer protection laws, failure to process my identity theft claims, reinsertion of accounts without notice, and continued reporting of inaccurate and noncompliant credit data. Despite multiple formal disputes, XXXX has failed to meet its obligations under: - 15 U.S.C.  1681i  Failure to conduct a reasonable reinvestigation - 15 U.S.C.  1681i(a)(2)  Failure to forward all submitted documentation to furnishers - 15 U.S.C.  1681e(b)  Failure to maintain maximum possible accuracy - 15 U.S.C.  1681c-2  Failure to block fraudulent accounts upon identity theft report - 18 U.S.C.  1028  Identity Theft and Assumption Deterrence Act - FACTA  Fair and Accurate Credit Transactions Act oXXXX XXXX  - Metro 2 Compliance Standards Personal Information Inaccuracies XXXX continues to list fraudulent and inaccurate addresses on my credit file, despite receiving my government-issued ID and utility documentation. The only valid address that should appear is listen in the letter All others are the result of identity theft or Experians data mishandling.\n\nAccounts Reported in Violation of Federal Law\XXXX XXXX XXXX XXXX Failure to investigate identity theft (FCRA  1681c-2)\XXXX XXXX XXXX XXXX  Failure to investigate identity theft (FCRA  1681c-2)\XXXX XXXX XXXX XXXX Failure to investigate identity theft (FCRA  1681c-2)\XXXX XXXX XXXX XXXX XXXX   Failure to investigate identity theft (FCRA  1681c-2XXXX XXXX XXXX XXXX XXXX  Failure to investigate identity theft (FCRA  1681c-2)  EQUIFAX  Lawsuit Reference This is not isolated. The CFPB filed suit against EQUIFAX in XXXX XXXX XXXX XXXX  for failing to forward disputes, illegally reinserting accounts, and disregarding identity theft claims  the very same\nconduct Im reporting here. I am directly experiencing the same violations as outlined in that case'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to dispute certain inaccurate and unverifiable information appearing in my Equifax credit file, as provided under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). Pursuant to 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable reinvestigation of the disputed information, delete or correct all inaccuracies,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
My mortgage servicing was transferred to Mr. Cooper ( as subservicer for Lakeview ) effective XX/XX/XXXX. At the time of transfer, my account was incorrectly set up as non-escrow for insurance despite having an escrow account previously. This classification error directly caused a lapse in my homeowners insurance coverage. 

During the onboarding process, Mr. Cooper made multiple attempts to verify insurance but failed to correct the escrow classification or directly coordinate with me to prevent a lapse. Instead, they allowed my insurance to cancel, resulting in force-placed insurance at a cost of {$500.00} for coverage XXXX neither requested nor needed had my escrow been properly managed. 

I provided proof of coverage and attempted to resolve this issue through multiple channels, including direct communication with Mr. Coopers senior leadership. Their investigation confirmed : There was a lapse in coverage from XX/XX/XXXX, to XX/XX/XXXX The lapse occurred during and due to the accounts misclassification as non-escrow Force-placed insurance was added and billed to me However, they claim no errors were made and refuse reimbursement despite the fact that the lapse was tied to the servicing transfer and their handling of my account. 

Impact : I have been forced to pay out-of-pocket for insurance I should never have needed, experienced unnecessary financial strain, and spent months trying to get a resolution with no success.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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:
These accounts are fraudulent and were likely created with unauthorized use of my information. I ask for a complete investigation and their removal from my report. Documentation enclosed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I DONT RECOGNIZE ANY OF THIS INQUIRIES ON MY CREDIT REPORT 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 2025-08-13 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I DONT RECOGNIZE ANY OF THIS INQUIRIES ON MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: EQUIFAX, INC.
State: PA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Shepherd Outsourcing, LLC
State: FL

Complaint narrative:
Repeated text regarding a XXXX XXXX XXXX account ; current creditor reported to be XXXX XXXX XXXX XXXX - text sent by someone claiming to be Shepherd Outsourcing. I know none of these XXXX entities nor have I ever had any business relationships or account with ANY of them. Yet they keep pestering me

Company response to consumer: Closed with explanation