vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-05 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:
To : TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX : Failure to Properly Verify Accounts FCRA 609 & 611 FTC & CFPB Complaints Filed This notice is an escalation regarding your inadequate response to my prior dispute of the following accounts : XXXX XXXX XXXX XXXX on my credit report. 
1. XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Bal. {$10000.00} 2. XXXX Bank XX/XX/XXXX Bal. {$2800.00} 3. XXXX XXXX XXXX XX/XX/XXXX Bal. {$1300.00} 4. XXXX XXXX  XX/XX/XXXX Bal. {$3400.00} 5. XXXX XXXX XXXX XXXX XX/XX/XXXX Bal. {$0.00} Sold Charge Off 6. XXXX XXXX XXXX XX/XX/XXXX Bal. {$0.00} Sold Charge Off 7. XXXX XXXX XXXX XX/XX/XXXX Bal. {$1900.00} Your previous reply merely stated these accounts were verified, yet you failed to provide the method of verification as required by FCRA 611 ( 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) ).

Specifically, you did not disclose the procedure used, the furnishers full contact information, or copies of the records relied upon. Because of this failure, your reinvestigation is legally insufficient. 
Be advised : I have already filed complaints with the FTC and CFPB regarding this matter. Your continued refusal to properly verify or delete these accounts will be documented as willful noncompliance with the FCRA and may result in litigation for damages and penalties.

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 2025-11-05 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: AR

Complaint narrative:
The account has been paid off completely, but inaccurate late payment marks remain.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: AR

Complaint narrative:
The account was settled in full, but the credit report still lists delinquency remarks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Uprova Credit, LLC
State: CA

Complaint narrative:
CFPB. 

I am filing this complaint against Uprova because I experienced serious issues with their online payment system. I was attempting to make a one-time payment early through their customer portal using my debit card, and the system would not allow me to do so. Despite multiple attempts, the portal continuously failed to process my payment. 

I was specifically trying to be proactive and responsible by paying early not late and yet Uprovas system completely blocked me from doing so. This is unacceptable and extremely frustrating. A consumer should never be prevented from making an early payment simply because the companys technology or systems are unreliable. 

It makes absolutely no sense that a financial company would hinder a customer who is trying to pay before the due date. This kind of experience not only causes stress but also raises serious concerns about the integrity and functionality of Uprovas payment infrastructure and their overall commitment to consumer service.

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 2025-11-05 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. 

XXXX CARD # XXXX XX/XX/year> -- {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: CA

Complaint narrative:
This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXXXXXX 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 XXXXXXXX REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights!

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am filing this complaint because Experian / Equifax XXXX TransUnion and closed account creditors continue to report a closed account inaccurately. 

The account was closed on [ insert date ], yet it continues to show a balance and/or delinquency, which violates the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ( b ) ).

I have disputed this item multiple times and the furnisher has not provided verification of accuracy as required by law. The continued reporting of an inaccurate closed account constitutes willful noncompliance under 1681n, and negligent noncompliance under 1681o.

I am requesting deletion of this account from all consumer reporting agencies immediately or correction to reflect a zero balance and paid as agreed status.

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 2025-11-05 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: CA

Complaint narrative:
This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXXXXXX 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 XXXXXXXX REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights!

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2025-11-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC.
State: CO

Complaint narrative:
They sent payment of monthly payments on loan but nothing was applied to loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
The account was settled in full, but the credit report still lists delinquency remarks.

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 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
The account was settled in full, but the credit report still lists delinquency remarks.

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 2025-11-05 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: AL

Complaint narrative:
In XXXX XXXX XXXX the primary account holder requested that I be removed from is account. The creditor updated this information and I was told I would not be on his account and it would be removed from my credit report. It is still showing and I have contacted the bureaus on several occasions asking for proof was to the process in which they are not removing this item from my credit. They have failed to respond or it was removed and then added back. 

The other bureaus have removed the authorized account because it does not belong to me. I was never joint on the account only authorized for a short period of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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:
To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Failure to Properly Verify Accounts FCRA 609 & 611 FTC & CFPB Complaints Filed This notice is an escalation regarding your inadequate response to my prior dispute of the following accounts : XXXX XXXX XXXX XXXX on my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. {$10000.00} XXXX. XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. {$2800.00} XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. {$1300.00} XXXX. XXXX XXXX XXXX  XXXX. {$3400.00} XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. {$0.00} Sold Charge Off XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. {$0.00} Sold Charge Off XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. {$1900.00} Your previous reply merely stated these accounts were verified, yet you failed to provide the method of verification as required by FCRA 611 ( 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) ). 
Specifically, you did not disclose the procedure used, the furnishers full contact information, or copies of the records relied upon. Because of this failure, your reinvestigation is legally insufficient. 
Be advised : I have already filed complaints with the FTC and CFPB regarding this matter. Your continued refusal to properly verify or delete these accounts will be documented as willful noncompliance with the FCRA and may result in litigation for damages and penalties.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Freedom Mortgage Company
State: MO

Complaint narrative:
I am requesting a goodwill adjustment to remove late payment reporting from my mortgage account following a documented domestic abuse situation and financial control during an ongoing divorce. My estranged spouse repeatedly accessed and compromised my bank accounts over several years, forcing me to change banks and payment methods multiple times, which caused payment disruptions. 

I am still legally married and currently responsible for XXXX mortgages : My primary residence ( where I live with my XXXX children ) A second home occupied by my estranged spouse, to which I have no access but continue to pay the mortgage A third home that I can not repair, rent, or sell because my spouse refuses cooperation during the divorce process. 

I have also continued paying car insurance for XXXX vehicles and my spouses health and dental insurance out of obligation, while managing the full custody of our children. These circumstances created extreme financial strain, but I have done my best to stay current on all obligations. 

Since my spouse was removed from my home in XXXX, I have implemented protective measures, including a restraining order, credit freeze, and account security updates. He no longer has access to any of my finances or personal information. My income as a physician is stable, and my mortgage payments are current. 

I previously contacted the banks servicing and resolution teams and Freedom Mortgages Executive Office, but my requests for goodwill review were ignored. I am not disputing the accuracy of reporting, I am requesting a goodwill adjustment due to verified hardship, domestic abuse, and ongoing financial coercion during divorce.

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 2025-11-05 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:
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 explanation
Consumer complaint received 2025-11-05 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:
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 2025-11-05 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: NC

Complaint narrative:
I am sending to formally dispute inaccurate information currently being reported on my consumer credit file. This letter serves as an official notice under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Each item detailed below contains serious reporting errors that have caused harm and must be permanently deleted from my credit fileXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$2300.00} Date XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$720.00} Date XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Date XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2300.00} Date XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1400.00} Date XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Date XXXXXXXX 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 XXXXXX/XX/year>

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 2025-11-05 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: LEXISNEXIS
State: GA

Complaint narrative:
Date : XX/XX/year> To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint Against LexisNexis Unverifiable XXXX Reporting Complainant : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX Email : XXXX Dear Consumer Financial Protection Bureau, I am submitting this formal complaint against LexisNexis XXXX XXXX XXXX XXXX XXXX for continuing to report and verify an inaccurate XXXX  record on my consumer file. 
LexisNexis responded to my recent dispute by claiming that my bankruptcy was verified through XXXX. This is not an acceptable or lawful verification under the Fair Credit Reporting Act ( 15 U.S.C.

1681i ). XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) is simply a public access system it is not a furnisher of consumer data and does not verify or report bankruptcies to LexisNexis, XXXX XXXX XXXX XXXX. 
Furthermore, the XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX has confirmed that it does not provide, verify, or report bankruptcy information to LexisNexis or any consumer reporting agency. 
Therefore, LexisNexis is unable to substantiate the accuracy or legitimacy of the XXXX record it continues to maintain. 
Despite this, LexisNexis has refused to delete the unverifiable bankruptcy entry, which constitutes a violation of my rights under the FCRA specifically sections 1681i ( a ) ( Reinvestigations of disputed information ) and 1681e ( b ) ( Requirement for maximum possible accuracy ).

I respectfully request that the CFPB take appropriate action to : 1. Compel LexisNexis to remove the unverifiable bankruptcy record from my consumer file. 2. Ensure LexisNexis complies with all applicable provisions of the Fair Credit Reporting Act regarding proper investigation and verification procedures. 
Attached are the following documents in support of my complaint : - Copy of the LexisNexis letter stating the XXXX  was verified through XXXX. - My original dispute letter ( s ) to LexisNexis. - The courts confirmation that it does not report to LexisNexis or any third party. - My follow-up demand letter requesting deletion. 
Thank you for your attention to this matter and for helping protect my consumer rights under federal law. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: GA

Complaint narrative:
ProCollect is attempting to collect {$450.00} for XXXX XXXX XXXX XXXX XXXX I never signed a lease or was approved for tenancy. XXXX XXXX gave conflicting information one said my fee would be waived or credited because I worked for XXXX XXXX XXXX, then later said it would be refunded after move-in. I withdrew my application before any approval. I have written proof from the property confirming no approval was ever issued. 
I previously disputed this same issue in XX/XX/year> directly with XXXX XXXX and ProCollect, and the collection was removed. It has now been re-reported without any new validation or notice, which violates FDCPA 1692g, FCRA 1681i ( a ) ( 5 ), and Florida Statute 559.72 ( 9 ). I again submitted documentation to ProCollect to review this week. 
I am requesting permanent deletion of this account from all credit reports and written confirmation that collection activity will stop.

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 2025-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
This complaint concerns GS Bank USAs inaccurate and fraudulent reporting of a credit card account on my consumer credit reports ( XXXX XXXX XXXX XXXX ), in violation of the Fair Credit Reporting Act ( FCRA ).

GS Bank USA is reporting an account ending in XXXX, which I did not authorize, open, or benefit from. This account appears to have been created using compromised personal information linked to a prior identity breach. 

On XX/XX/2025, I mailed a certified Debt Verification Letter to GS Bank USA ( XXXX XXXX # XXXX ), which was delivered and signed for. The company has not responded within the thirty-day statutory timeframe required under FCRA 609, 611, and 605B.

FCRA 611 : The furnisher and credit bureaus have failed to remove or correct unverified and disputed data as required by law. 

State Consumer Protection Statute : This conduct also violates the Florida Deceptive and Unfair Trade Practices Act ( FDUTPA ), which prohibits misleading and unfair credit reporting and debt collection practices. 

I have already filed a formal dispute directly with GS Bank USA and the major credit bureaus, but no appropriate response or valid documentation has been provided within the required timeframe.

I am requesting your office to investigate GS Bank USA for their failure to comply with the Fair Credit Reporting Act and for unlawfully furnishing inaccurate information to consumer reporting agencies.

Company response to consumer: Closed with explanation