vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-11 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: LA

Complaint narrative:
My name is XXXX XXXX, my Social Security Number is XXXX, and my Date of Birth is 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 an installment account opened with XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX, a credir card account opened with XXXX XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX, a credit card account opened with XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX a credit card account opened with XXXX  XXXX XXXX  on XX/XX/XXXX account XXXXXXXX XXXX XXXX XXXX XXXX, a collection account opened with XXXX XXXX  XXXX XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX, a collection account opened with XXXX XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX, a collection account opened with XXXX XXXX  on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX, and a collection account opened with XXXXXXXX XXXX XXXX on XX/XX/XXXX account XXXX XXXX XXXX XXXX XXXX XXXX These inquiries were also unauthorized, please remove : 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 creditbaccounts, 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 explanation
Consumer complaint received 2025-06-11 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:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX is illegally reporting NEGATIVE information regarding this account on my ( 3 ) credit reports in clear violation of FCRA 623 ( a ) ( 7 ).

The law clearly states that your FINANCIAL INSTITUTION is to send a consumer ( ME ) written notification when NEGATIVE information is furnished or have furnished to credit reporting agencies. 



The 30 Day Late Payment on date XXXX that appears on my credit reports wrongfully appears on my credit report illegally with no written verification sent to me as required by FCRA 623 ( a ) ( 7 ).

I am not aware of ever being late on this account nor did I ever receive WRITTEN NOTICE from your financial institution regarding negative information that you have reported yet is required under FCRA 623 ( a ) ( 7 ).

Please Remove/Delete this 30 day Late payment immediately due to violation of FCRA 623 ( a ) ( 7 ).

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 2025-06-11 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: PA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX is illegally reporting NEGATIVE information regarding this account on my ( 3 ) credit reports in clear violation of FCRA 623 ( a ) ( 7 ).

The law clearly states that your FINANCIAL INSTITUTION is to send a consumer ( ME ) written notification when NEGATIVE information is furnished or have furnished to credit reporting agencies. 



The 30 Day Late Payment on date XXXX that appears on my credit reports wrongfully appears on my credit report illegally with no written verification sent to me as required by FCRA 623 ( a ) ( 7 ).

I am not aware of ever being late on this account nor did I ever receive WRITTEN NOTICE from your financial institution regarding negative information that you have reported yet is required under FCRA 623 ( a ) ( 7 ).

Please Remove/Delete this 30 day Late payment immediately due to violation of FCRA 623 ( a ) ( 7 ).

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 2025-06-11 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: NV

Complaint narrative:
I am filing this complaint because Experian continues to report inaccurate and harmful information on my credit report from XXXX XXXX XXXX XXXX ( XXXX ). The account shows a {$15.00} past due balance and a 30-day late payment reported in XX/XX/year>. 

I have disputed this several times, and Experian has failed to provide legally required documentation to verify the alleged delinquency. Under the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681e ( b ) Experian has a duty to ensure maximum possible accuracy.

15 U.S.C. 1681i ( a ) They must conduct a reasonable reinvestigation or delete unverifiable data.

No sufficient documentation has been provided to substantiate this derogatory payment history. The account in question is harming my credit, and its reporting is a violation of my rights under federal 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 2025-06-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Fay Servicing, LLC
State: OH

Complaint narrative:
In XXXX I had very serious medical issues r/t myself and my special needs daughter. I fell behind on my mortgage. I was told that the only way to keep my home was to immediately catch up those payment and that my payment would now be XXXX and my fixed mortgage rate would go up to 7.3 %. I was told this was my only option to keep my home. During this time I was in a " Foreclosure State ''. I was told I only had a short time to accept these terms or it would be foreclosed on. I have tried multiple times to try and reduce this payment but talking to their customer service is an awful experience that clearly have their own agenda.. 
Another issue I have been having is when I make an an automated payment through their website. Each time, I am given a conformation number, yet, when I go to pay the next payment it states I am late and didn't make my previous payment. When I call customer service all that happens is I'm threatened with foreclosure, late fee 's and fines. 
In the past month I have tried to work out a loan modification/loss mitigation so that I didn't have to struggle every month. While talking to customer service it was reveled that I was paying for XXXX separate Insurance policies. I have had XXXX since I bought the home 13 years ago. Somehow Fay Services added and has been charging me for THEIR Insurance! I have requested documentation on how much they owe me and the exact amount of my mortgage payment. They have refused to send anything. I did manage to get a copy of the bogus Insurance that Fay Services has been fraudulently billing me and refuse to do anything but lie and threaten. They are now threatening me, that the only recourse I have, is to sell my home on a quick deed. I have not been given any other options and frankly, I'm scared to death. I have never dealt with such a hideous company, This company was previously in violation for these exact same illegal actions in XXXX. They continued with their shady practices, with no regards for the findings, and in XXXX was fined around XXXX XXXX dollars. If you'll just look at the reviews of this company, that will tell all. My mortgage was " bought '' by this company, I don't believe I should continue to be harmed when all I am trying to do is pay my mortgage and not have to deal with this fraudulent company that is out to mess with people 's lives and causing damage to all aspects my life, least of all my credit, which is just wrecked. 
Thank you for time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: TX

Complaint narrative:
There's an error on my report regarding a credit XXXX bank closed account for {$800.00} XXXX asked that it be removed per my FCRA rights XXXX XXXX. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: TX

Complaint narrative:
There's an error on my report regarding a credit XXXX bank closed account for {$800.00} XXXX asked that it be removed per my FCRA rights 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 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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. The following items do not belong to me and is a result of fraud that I did not authorize : 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 XXXX XXXX XXXX XXXX CA XXXX ACCOUNTS : XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4900.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2200.00} INQUIRIES : XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: FL

Complaint narrative:
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. The following items do not belong to me and is a result of fraud that I did not authorize : 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 XXXX XXXX XXXX XXXX FL XXXX ACCOUNTS : XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$260.00} INQUIRIES : XXXX XXXX  Date : XX/XX/XXXX XXXXXXXX XXXX  XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX 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 2025-06-11 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: SELECT PORTFOLIO SERVICING, INC.
State: NC

Complaint narrative:
The Deed to my house is recorded in one county but the deed is located in another county. I was trying to do a modification of my mortgage and I found out my deed is located in the wrong county. Also, my modification term is 480 months but they are only giving me 360 months in the contract. They are requiring XXXX on the last payment as a balloon payment. My original loan was for 480 months. My deed needs to be transferred to the correct county and the contract needs to be rewritten. A modification is supposed to help a borrower, it does nothing but hurt. I was hoping that the payments behind could be due at the end of the loan as XXXX, not XXXX. The new terms do not help me at all and the deed is in the wrong county. 

Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Just one day I was looking for a loan or just a bank account out of these Banks and which one would best describe me and I just stumbled upon that already had an account at Wells Fargo not knowing who did it so I asked what what how does it open and they neglected question so I dancing much of it besides that okay well isn't this taken away from me I mean especially the interest and I do have a good name no matter what the public has tried to view me as or portray me as defamation of character mainly but I couldn't create a new account unless the account was not there and they couldn't they didn't close it they just left it there and not long after that I end up getting a platinum Wells Fargo card in the mail and on the card it said that I was I have been a customer since 2006 I've gone through many various troubles since then since I was not old enough to open an account at the time I was actually in XXXX XXXX so I did my own homework on this and found out that they have used my name since 2006 to build a lot of things within XXXX XXXX  and I'm troubled by this especially since the design of all the buildings that they put up using my name represents me in a lot of ways but that doesn't make it right so I'm asking for compensation I know it was in 2006 and till the present but I do believe I deserve to be compensating I've held my tongue long enough hoping that they will handle this so she after the first complaint and so I'm filing another complaint and maybe possible another lawsuit against them so if you could please help me out with this and contact me back please it's important to me I'd appreciate it thank you sincerely, XXXX XXXX Attachments XXXX ( XXXXXXXX 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 2025-06-11 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: IL

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-06-11 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: MD

Complaint narrative:
In XX/XX/XXXX, I disputed multiple inaccurate items on my Experian credit report. Despite the dispute, the following items are still reporting inaccurately or have reappeared : XXXX : Missing/incomplete data for XXXX, XXXX, and XX/XX/XXXX. 

Old Addresses : Inaccurate and outdated addresses are still showing. 

Closed Accounts : Several accounts remain listed with inaccurate statuses. 

XXXX  XXXX XXXX : Incorrect charge-offs and late payments still showing. 

XXXX XXXX : Payment history shows XXXX day lates and charge-offs that are inaccurate. 


These issues violate the Fair Credit Reporting Act. I am requesting that Experian conduct a proper reinvestigation and permanently remove all inaccurate information. This ongoing inaccurate reporting is harming my credit profile and financial standing.

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 2025-06-11 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : 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 XXXX FL XXXX ACCOUNTS : INQUIRIES : XXXX  Date : XX/XX/year> XXXX  Date : XX/XX/year> XXXX  Date : 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 2025-06-11 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: GA

Complaint narrative:
Equifax Information Services XXXX XXXX XXXX XXXX XXXX, Georgia XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : 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 XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2022, Balance : {$930.00}

Company response to consumer: Closed with non-monetary relief