vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Hanna Holdings Inc
State: OH

Complaint narrative:
On XX/XX/year>, XXXX XXXX disclosed confidential information regarding my loan application to an unassociated XXXX person party. I have a screenshot listed below. There has also been some information covered up in this screenshot. I suspect this is more confidential information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: NJ

Complaint narrative:
I am truly and deeply worried that these negative items are not mine. I have been a victim of identity theft, and this fraudulent activity is destroying my peace of mind and disrupting my life in ways I never imagined. Please, I am begging you ensure that all these items are BLOCKED and REMOVED immediately. The inquiries listed were never made or authorized by me. 

What makes this situation even more painful is how I have been treated during this process. I have tried, again and again, to make my situation clear, but I feel ignored, dismissed, and even mistreated by your agents. Instead of finding support, I have been met with indifference and a lack of empathy, as if my suffering doesnt matter. 

This is truly heartbreaking. I did not ask for this. I did not authorize any of these actions. And yet, I am being forced to carry the burden of crimes I did not commit. These errors are haunting me blocking opportunities, damaging my reputation, and causing daily anxiety, stress, and anguish that no one should have to endure. 

I need you to understand how urgent and devastating this is for me. Please, do the right thing. Help me resolve this and give me the protection and support that I have been pleadingforallalong.

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 2025-09-23 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: NJ

Complaint narrative:
I am truly and deeply worried that these negative items are not mine. I have been a victim of identity theft, and this fraudulent activity is destroying my peace of mind and disrupting my life in ways I never imagined. Please, I am begging you ensure that all these items are BLOCKED and REMOVED immediately. The inquiries listed were never made or authorized by me. 

What makes this situation even more painful is how I have been treated during this process. I have tried, again and again, to make my situation clear, but I feel ignored, dismissed, and even mistreated by your agents. Instead of finding support, I have been met with indifference and a lack of empathy, as if my suffering doesnt matter. 

This is truly heartbreaking. I did not ask for this. I did not authorize any of these actions. And yet, I am being forced to carry the burden of crimes I did not commit. These errors are haunting me blocking opportunities, damaging my reputation, and causing daily anxiety, stress, and anguish that no one should have to endure. 

I need you to understand how urgent and devastating this is for me. Please, do the right thing. Help me resolve this and give me the protection and support that I have been pleadingforallalong.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/year>, I parked my minivan in a paid parking lot at XXXX XXXX XXXX. I charged {$1.00} to the card via XXXX XXXX, and must have accidentally left my wallet in the van. At some point between XXXX XXXX XXXX and XXXX XXXX XXXXXXXX my minivan was broken into and the wallet was stolen. I did not know it was stolen until I attempted to purchase dinner at XXXX XXXX XXXX  in XXXX XXXX at approximately XXXX XXXX using XXXX XXXX. The transaction was denied, and I decided I would try to use the physical card instead. That is when I realized my wallet was missing. While driving home, our minivan driver 's side door would fluctuate between trying to lock and remain unlocked, and I assumed the keyhole had been damaged when the break in occured. When I returned home at approximately XXXX XXXX XXXXXXXX, I immediately notified the credit card company my wallet had been stolen and that a fraudulent charge had been attempted at XXXX for {$1700.00}. I was told I would receive provisional credit for that amount and ordered XXXX new cards as both me and my spouse are authorized users. 

On XX/XX/year>, we took the van into XXXX XXXX in XXXX XXXX and were told the keyhole was damaged and paid over {$700.00} to fix the issue. We have the receipt for that work done. I also filed a police report with the XXXX XXXX Sheriff 's Department on XX/XX/year>. I was given case # XXXX. 

I checked my credit card online transactions and noticed that there was another XXXX charge on XX/XX/year> for the exact amount of {$1700.00}. I was scared that somehow my new card was compromised so I called the credit card company only to find out that they denied my dispute of the original {$1700.00} charge and I was told the credit card company said we " received the benefit '' of that purchase. I asked them how that was possible and they said I could only speak to a fraud case manager. I've called XXXX separate times and haven't been able to speak to a fraud case manager and nobody knows why the dispute was not accepted. In total, I've spent close to XXXX hours with this company and have not been successful at resolving this dispute.

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 monetary relief
Consumer complaint received 2025-09-23 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: NJ

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-09-23 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:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX NC XXXX ] XXXX ] [ XXXX ] Date : [ XX/XX/XXXX ] TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Subject : Urgent Fraud Dispute Request for Immediate Deletion of Fraudulent Accounts Dear TransUnion, I am writing to formally dispute fraudulent information on my credit file that resulted from the recent TransUnion data breach in which my personal identifying information was compromised. As a victim of identity theft directly linked to this breach, I demand that TransUnion take immediate action to remove all fraudulent accounts and inquiries from my credit report. 

The following items are not mine and must be deleted immediately : [ List fraudulent accounts, account numbers, inquiries, or tradelines here. ] Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, TransUnion is required to investigate and delete inaccurate or unverifiable information. Given that this fraud stems from TransUnions own breach of consumer data, I expect an expedited investigation and removal within XXXX ( XXXX ) business days. 

Enclosed are the following supporting documents : Copy of my government-issued ID Proof of address ( utility bill or bank statement ) FTC Identity Theft Report ( if available ) or police report Any correspondence showing fraudulent activity Please provide me with written confirmation once the fraudulent accounts have been deleted. If TransUnion fails to comply, I will escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. 

I expect full compliance with this dispute request within XXXX business days. 

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 2025-09-23 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: MA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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:
See the attached documents. 

This inquiry is not authorized and was done by the creditor without my knowledge or permission!! you must remove these inquiries as soon as possible!

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 2025-09-23 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: TN

Complaint narrative:
There are late payments on this account ( XXXX Account XXXX : XXXX * * * * ) which is hurting my credit report badly. I was never late in making payments. Please correct and update the inaccurate information on my credit report. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and 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 non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: MI

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : 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 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

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 2025-09-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am submitting this complaint because the consumer reporting agency is willfully and negligently violating the Fair Credit Reporting Act ( FCRA ) by continuing to report fraudulent accounts and unauthorized inquiries resulting from a data breach. Despite my formal dispute filed under Section 605B [ 15 U.S.C. 1681c-2 ], supported by a sworn affidavit and proof of identity, the agency has failed to block or delete the disputed items within the required four business days. Furthermore, it has not provided verifiable documentation bearing my signature or authenticated electronic signature, as required under Section 604 [ 15 U.S.C. 1681b ], to establish a permissible purpose for these inquiries. These failures constitute clear violations of my consumer 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 non-monetary relief
Consumer complaint received 2025-09-23 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 entry does not align with my established payment pattern and seems mistaken. Please conduct a review and remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: MI

Complaint narrative:
I am filing this complaint against multiple furnishers and credit reporting agencies for serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Consumer Rights protections. The following accounts are being reported inaccurately and unlawfully, and they are causing me significant financial and reputational harm : XXXX XXXX ( Account XXXX. XXXX ) Date Opened : XX/XX/XXXX Reported Balance : {$3300.00} Issue : Reported Late Payment. This is being reported inaccurately and is damaging my credit history. I dispute the accuracy and validity of this information. 

Department of Education / XXXX ( Account XXXX. XXXX ) Date Opened : XX/XX/XXXX Reported Balance : {$65000.00} Issue : Reported Late Payment. The reporting is not verified and appears to violate FCRA guidelines regarding accurate reporting. No proper validation has been provided. 

XXXX XXXX ( Account XXXX. XXXX ) Date Opened : XX/XX/XXXX Reported Balance : {$0.00} Issue : Reported Late Payment. An account showing {$0.00} balance can not logically continue to report delinquencies. This is clearly inaccurate and misleading under FCRA 607 ( b ) ( XXXX XXXX XXXX ). 

Violations : Failure to maintain maximum possible accuracy as required by FCRA 607 ( b ). 

Failure to provide proper verification and validation of debt under FCRA 611 and FDCPA 809. 

Continuing to report derogatory and misleading late payment data despite factual disputes. 

Requested Resolution : Immediately investigate and delete all inaccurate late payment notations from my credit reports. 

Provide written verification and documentation supporting any alleged late payments ; otherwise, remove them entirely. 

Ensure all credit bureaus ( Equifax, XXXX XXXX  ) are updated with corrected information. 

Provide a written confirmation of actions taken within the legally mandated timeline.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Cascade CISS Holdings, LLC
State: NY

Complaint narrative:
i call to XXXX  to see why my credit report was bad. so there say there is some hard inquire. on XXXX, i thought that's when i was looking fir to buy the house for the family. and now they some of the company inquire without my permission. and i call the company to rereport to the credit score to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: NY

Complaint narrative:
I am filing this complaint because my credit reports from both Experian and XXXX continue to show charge-off accounts that are inaccurate, misleading, and damaging to my credit profile. The first is XXXX XXXX XXXX, Account ending 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 

Both of these accounts are being reported in ways that do not accurately reflect my payment history or the status of the accounts. I have repeatedly disputed these items, yet the bureaus and the reporting companies have failed to take meaningful action. Experian and XXXX  have both returned verified results, yet the verification process has been superficial and inadequate. They simply echoed back the furnishers data without truly investigating the accuracy or legitimacy of the reported balances. This is frustrating and disheartening, as I have provided documentation showing that these accounts were either not in default as reported or were inaccurately classified, but my disputes have been ignored or dismissed. 

This is not a minor clerical error. The presence of these charge-offs paints a false picture of my financial responsibility and has caused tangible harm. I have been denied or delayed in obtaining financial products, and the emotional toll of knowing my credit report reflects inaccurate information has been significant. It is extremely stressful to see these mistakes persist despite multiple attempts to correct them. I have already escalated similar issues before with other accounts, only to find that both the furnishers and the bureaus repeatedly fail to uphold their obligations under the Fair Credit Reporting Act. 

Under 15 U.S.C. 1681e ( b ), the credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the data they report. Likewise, under 15 U.S.C. 1681i, they are required to conduct meaningful reinvestigations when I dispute inaccurate information. Both Experian and XXXX have clearly failed to meet these standards. XXXX XXXX XXXX and XXXXXXXX XXXX XXXX  XXXX XXXX furnishers, also have a legal duty to ensure the information they provide is accurate and complete, yet they continue to submit data that is either unverifiable or demonstrably incorrect.

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