vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-14 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: SC

Complaint narrative:
Because of TransUnion, Equifax and Experian willful violations of my credit file I was denied on 2 different occasions needing a grant for personal, family, and household use.

I am filing this complaint against all three nationwide consumer reporting agencies : Experian, Equifax, and TransUnion. I have submitted multiple disputes concerning inaccurate, outdated, and unauthorized information appearing on my credit file.

Each time I submit a dispute, I receive the same generic response, such as verified or no change will be made. There is no supporting documentation or explanation proving a reasonable investigation was conducted in compliance with 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ). These generic replies are not tailored to my dispute and appear to be automated responses, which violate my rights under the law. 

Additionally, some of the information reported on my file was done without my written authorization, violating 15 U.S. Code 1681b, which requires a permissible purpose for obtaining or reporting my consumer data.

Due to the agencies failure to correct or remove this inaccurate and unauthorized information, I have now been denied credit twice, which has directly harmed my ability to secure funding, access capital, and sustain my current mode of living.

The Congressional findings under 15 U.S.C. 1681 ( a ) clearly state that inaccurate credit reports damage the consumer and the banking system. These agencies are violating that principle by failing to exercise fairness, accuracy, and proper reinvestigation. 

Lastly, I reference the definition of investigative consumer report under 15 U.S.C. 1681a ( y ) ( 2 ), which includes data that reflects a consumers mode of living or character, typically gathered through interviews or actual inquiry. There has been no such effort in my case. 

I am requesting : A full reinvestigation of all disputed items Removal of all unauthorized or unverifiable information Disclosure of how the items were verified Compensation or further consideration due to the harm of credit denial That the CFPB investigate this pattern of conduct as a potential systemic violation

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 2025-07-14 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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 TX XXXX ACCOUNTS : XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$850.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: NJ

Complaint narrative:
I was checking my credit report with Experian and I found thos inquiries that I dont reconized I already file a form with the FTC and Identity theft report XXXX. XXXXXXXX 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 2025-07-14 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: IL

Complaint narrative:
I have previously disputed XXXX XXXX and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-07-14 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: The CBE Group, Inc.
State: TX

Complaint narrative:
See Attached Documents 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 a personal credit card account opened at XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX under the account number ( private ), a CREDIT CARD opened at XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX under the account number ( private ), and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of $ ( private ) that appears related to the aforementioned LOAN ACCOUNT opened at XXXX XXXX ON XX/XX/XXXX AN ACCOUNT WITH CBE GROUP WAS OPENED AS WELL, 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 # ( private case number ) 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: United Shore Financial Services, LLC
State: NC

Complaint narrative:
Subject : Complaint Against United Wholesale Mortgage ( UWM ) Deceptive Practices and Escrow Mismanagement During Refinance In XX/XX/2024, we initiated a refinance on our home with the goal of lowering our interest rate and monthly mortgage payment. During this time, we engaged with several lenders, including United Wholesale Mortgage ( UWM ), in order to compare offers and secure the best terms.

When we shared information with other lenders about UWMs quoted rates and terms, we were met with concerns regarding UWMs methodology. Upon mentioning this to UWM, their representatives responded with hostility and threatened to cancel our refinance if we continued sharing their quote details with other institutions. This behavior felt intimidating and coercive, undermining our ability to make an informed financial decision.

As part of the refinance process, we submitted our official property tax documentation to UWM and an appraisal was conducted. UWM acknowledged receiving the correct property tax information. The refinance was finalized, resulting in a monthly mortgage payment that was {$450.00} lower than our previous amount. 

However, in XXXX XXXX a year laterwe received a notice from UWM stating that our monthly mortgage payment would increase by approximately {$1000.00} due to an error they made in calculating our property taxes. Specifically, they had cited our annual property taxes as only {$400.00}, when the correct amount, clearly stated on our submitted documentation, was {$3800.00}. This gross error caused a significant escrow shortage.

When we contacted UWM to address this issue, we were informed that our loan had already been sold to another lender. The new servicer has expressed willingness to help but is currently unable to act due to the constraints of the situationfurther evidence that this issue is rooted in UWMs handling of the refinance.

We feel we were misled and deceived throughout this process. UWMs lack of transparency, use of intimidation tactics, and gross mismanagement of our escrow account have placed an undue financial burden on our household. This conduct is unacceptable and we are seeking resolution and accountability for the harm caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 


FRAUDULENT ACCOUNTS : UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Missouri XXXX I took 2 loans out through XXXX XXXXXXXX XXXXXXXX XXXX in XXXX. One was subsidized and the other unsubsidized. Total is {$5700.00} I have made monthly payments ever since I needed to make them through Mohela. XX/XX/XXXX was the last payment they have me making. Even though my records show I have made monthly payments but the records have the payments saying Payment Reversal. My account number for Mohela is XXXX. The bank account the pays monthly for the loans have never changed since I started paying in XXXX. 

I am very frustrated with this company. I just want to know why they are not taking my payments and if I am needing to be paying someone else. I know this has been happening to others since last year as well. I have not received any information on any kind of changes from this company or what to do. 

Thank you for your help!

Company response to consumer: Untimely response
Consumer complaint received 2025-07-14 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: CBC Companies, Inc.
State: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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 TX XXXX ACCOUNTS : XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$42000.00} XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX XXXX 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 : {$1000.00} XXXX XXXX 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 : {$970.00} XXXX 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 : {$1800.00} XXXXXXXX XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$540.00} XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1600.00} XXXX XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} INQUIRIES : XXXXXXXX XXXX Date : XX/XX/XXXXXXXX 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 2025-07-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date : XX/XX/year> Affirm RE : DEMAND FOR DELETION OF ACCOUNTS LISTED BELOW DUE TO METRO 2, FCRA, AND FDCPA VIOLATIONS To Whom It May Concern, This letter is a formal demand for the immediate deletion of the following accounts from all consumer reporting agencies under your control. Upon review of my credit reports, I have identified significant legal violations that require urgent attention.

The following account numbers are included in this dispute and demand for deletion : Account # : XXXX Account XXXX XXXX XXXXXXXX Account XXXX XXXX XXXXXXXX Account # : XXXX Account XXXX XXXX XXXXXXXX Account XXXX XXXX XXXXXXXX Metro 2 Compliance Violations : - Improper use of compliance condition codes ( e.g., failure to mark account as disputed ).

- Reporting charge-offs inaccurately with incorrect balance or status.

- Violating the standard reporting format required for Metro 2 compliance.

- Misleading status updates that affect scoring algorithms.

Fair Credit Reporting Act ( FCRA ) Violations : - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Inaccurate reporting of information.

- 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Failure to conduct a reasonable investigation of disputes.

- 15 U.S.C. 1681e ( b ) : Failure to maintain accurate and up-to-date information.

- 15 U.S.C. 1681n & 1681o : Willful and negligent noncompliance with FCRA.

Fair Debt Collection Practices Act ( FDCPA ) Violations ( if applicable ) : - 15 U.S.C. 1692e ( 8 ) : Failure to report account as disputed.

- 15 U.S.C. 1692g ( b ) : Continued collection and reporting without validation.

Due to the violations cited, you are hereby demanded to permanently delete the above-referenced accounts from all credit bureaus ( Equifax, Experian, and TransUnion ) within 15 days of receiving this notice. Failure to do so will result in immediate escalation to the CFPB, FTC, and state Attorney General, and I will seek legal remedy including actual and statutory damages as provided by federal law.

This is your final opportunity to resolve this matter amicably. I request written confirmation that these accounts have been removed from my credit file. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: NY

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) # XXXX XX/XX/XXXX -- {$380.00} DEPT OF ED/AIDVANTAGE # XXXX XX/XX/XXXX -- {$0.00} DEPT OF ED/XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} DEPT OF ED/XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} CXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$450.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$2300.00} UNAUTHORIZED INQUIRIES : XXXX 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 explanation
Consumer complaint received 2025-07-14 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: NJ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: NY

Complaint narrative:
Hello, I am writing to formally dispute the accuracy of information on my credit report maintained by your agency, as per the provisions of 15 USC 1681b. Specifically, I believe you have disclosed my personal information without my written consent.

According to 15 USC 1681b, consumer reporting agencies like yours are mandated to obtain written consent from individuals before disclosing or obtaining their credit information. I assert that I have not provided such consent to your agency or any affiliated parties for the disclosure or retrieval of my personal credit information. 

This specifically concerns a charge-off account reported under Account Number : XXXX, which I do not recognize not did I authorize In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I request a prompt investigation into this matter. I kindly request a written response detailing the following : 1. Verification of the consent you claim to have obtained from me regarding the furnishing or obtaining of my credit information.

2. The specific sources from which you obtained my information, including the dates and nature of such disclosures.

3. Any and all documentation related to the alleged consent, including copies of any signed agreements or forms. 

Furthermore, I request that you cease any further reporting or disclosure of my personal information until this matter is fully investigated and resolved in accordance with the FCRA. 

Please consider this letter as a formal dispute under 15 USC 1681i. I kindly request a written response within 30 days as stipulated by law. If you are unable to verify my consent as requested, I expect that the inaccurate information will be promptly corrected or removed from my credit report. 

Thank you for your immediate attention to this matter. I eagerly await your prompt response and resolution of this dispute.

Company response to consumer: Closed with non-monetary relief