vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-08 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: OH

Complaint narrative:
I submitted a identify theft report to all 3 credit bureaus ( Experian, Equifax and Transunion ) back in XX/XX/year> for XXXX they removed the account and it came back up on my report this month. So I submitted brand new FTC identity theft report. I'm not sure how they are allowed to keep inserting a fraudulent account on my report after its been proven to be fraud. 

I have attached the first FTC report an new 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 non-monetary relief
Consumer complaint received 2025-07-08 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: NY

Complaint narrative:
Hello, Multiple unauthorized accounts appeared on my credit report, including from XXXX, XXXX, XXXX, and XXXX XXXX. These accounts report derogatory marks, charge-offs, and missed payments that I did not authorize or incur. I believe this is the result of identity theft. Under 15 U.S.C. 1681c-2 ( FCRA Section 605B ), I submitted formal disputes to Experian, Equifax, and TransUnion requesting that these accounts be blocked and permanently removed. 

I discovered the accounts in XX/XX/year> while reviewing my credit file. I took action by submitting written disputes to the credit bureaus, supported by an FTC Identity Theft Report and verifying documents. The credit bureaus have not yet resolved the matter as required by law. 

I am requesting CFPB assistance to enforce my right to have fraudulent accounts blocked and removed as required under the Fair Credit Reporting Act.

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 2025-07-08 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: MD

Complaint narrative:
XXXX - XX/XX/XXXX - {$120.00} XXXX - XX/XX/XXXX - {$0.00} XXXX - XX/XX/XXXX - {$0.00} XXXX  - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XX/XX/XXXX - {$110.00} XXXX XXXX  - XX/XX/XXXX - {$710.00} XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XX/XX/XXXX - {$370.00} XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XX/XX/XXXX - {$93.00} XXXX XXXX XXXX - XX/XX/XXXX - {$170.00} XXXX  XXXX - XX/XX/XXXX - {$31.00} XXXX - XX/XX/XXXX XXXX {$600.00} XXXX - XX/XX/XXXX - {$440.00} XXXX  XXXX - XX/XX/XXXX - {$410.00} XXXX XXXX XXXX XX/XX/XXXX - {$520.00} XXXX XXXX XXXX  - XX/XX/XXXX - {$1300.00} XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXL - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: MD

Complaint narrative:
XXXX - XX/XX/XXXX - {$120.00} XXXX - XX/XX/XXXX - {$0.00} XXXX - XX/XX/XXXX - {$0.00} XXXX  - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XX/XX/XXXX - {$110.00} XXXX XXXX  - XX/XX/XXXX - {$710.00} XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XX/XX/XXXX - {$370.00} XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XX/XX/XXXX - {$93.00} XXXX XXXX XXXX - XX/XX/XXXX - {$170.00} XXXX  XXXX - XX/XX/XXXX - {$31.00} XXXX - XX/XX/XXXX XXXX {$600.00} XXXX - XX/XX/XXXX - {$440.00} XXXX  XXXX - XX/XX/XXXX - {$410.00} XXXX XXXX XXXX XX/XX/XXXX - {$520.00} XXXX XXXX XXXX  - XX/XX/XXXX - {$1300.00} XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXL - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-07-08 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the Experian Credit Services , 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 INQUIRIES : XXXX XXXX  Date : XX/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 explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: W&A Intermediate Co., LLC
State: DE

Complaint narrative:
This collection agency called Wakefield and Associates are trying to collect on a medical debt that was paid to the original creditor which is XXXX XXXX XXXX and this other company called XXXX XXXX XXXX  of pen is also trying to collect i want this off my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: DISCOVER BANK
State: PA

Complaint narrative:
my XXXX XXXX XXXX son was severely assaulted on XX/XX/year> at XXXX XXXX .i was forced to be on fmla for months due to this .i had to cut out spending immediately starting with credit payments for discover and XXXX  cancelling electronic monthly deductions.XXXX  cancelled immediately, discover card not at all even after repeated phone calls to do so .they continued taking $ XXXX  monthly for XXXX months unauthorized in the process causing a late mortgage payment due to none sufficient funds which i would have had prior to the theft of my money by discover.i callled spoke to several managers they refused to refund its not policy i was told.the managers confirmed they went back and listened to my conversation on XX/XX/XXXX or XXXX asking for cancelling of electronic deduction and said it was never done, she couldnt explain why not. this was devastating to me and was a domino effect to my finances and medical bills going forward. this is totally unacceptable form a billion dollar corporation to treat customers like this, they never even reponded to letter i faxed asking for a response or a solution to this. this is a clear case of theft with no accountability or concern. clearly violated the fair credit billing act as well as electronic fund transfer act. thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: IL

Complaint narrative:
I am seeking your help to begin an investigation into the accounts listed below, which are inaccurately appearing on my credit report. As outlined under XXXX XXXX, I am formally requesting that they be removed within XXXX  days. I have provided all necessary documents to support this request. Furthermore, there are inconsistencies in how the information is reported among the credit bureaus.

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 2025-07-08 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the Experian Credit Services , 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 XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$15000.00XXXX XXXX XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$350.00} INQUIRIES : XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXXL Date : XX/XX/XXXXXXXX XXXX XXXXXXXX  Date : XX/XX/XXXX XXXX  XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX 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 explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ

Complaint narrative:
This is a notice of error NOE to XXXX Mortgage regarding the transaction history and the transaction code IPP and also NOE regarding property tax escrow.. 
We are requesting a full explanation of the IPP code and disputing every transaction amount listed with IPP Code against the account until a full explanation for each line item amount and who/what the amount is for, is given by Carrington. 
Also this is a NOE after speaking with XXXX, XXXX  I was told by both to contact Carrington which I did and spoke with XXXX at Carrington in XXXX  XXXX XXXX regarding the property tax quarterly escrow payment and the amount and was told by XXXX at Carrington the information from XXXX  is incorrect, that I will not see any updates on the property tax escrow from Carrington. When I said the word XXXX. She hung up on me. I then escalated it to XXXX at Carrington, who said she would escalate it to a supervisor, as she confirmed after checking ( as she herself didnt know but was competent enough to look into instead of ignoring my concerns and dispute of what I was being told by Carrington ) that I was correct and that I would see updated regarding the escrow transactions in XXXX. At this time, I still have not received any updates from Carrington that Im aware of, although somehow the escrow analysis statement shows a large increase of {$650.00} per month with no payments made. This is just more, in a long line, since only XXXX, of mistakes, errors, lies, runarounds, etc. given by Carrington to us regarding issues and concerns in QWR, NOE, phone calls to Carrington CS and complaints with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: FL

Complaint narrative:
I am formally disputing the reporting of the XXXX XXXX XXXX tradeline on my credit report for multiple violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

On or around XX/XX/XXXX, I was contacted by XXXX XXXX XXXX and informed that if I intended to dispute the alleged debt, I must do so in writing by XX/XX/XXXX. I complied with this request and sent a certified letter on XX/XX/XXXX, which was delivered and received. In that letter, I lawfully requested : XXXX. Full validation of the debt and a breakdown of how the balance was calculated. 
XXXX. Proof of ownership of the debt. 
XXXX. Proof of assignment or sale from the original creditor ( XXXX XXXX XXXX ). 
XXXX. A copy of the original signed contract. 
XXXX. Acknowledgment that this tradeline was previously disputed with the original creditor before its removal. 

To date, XXXX XXXX has not responded with any documentation, which constitutes a direct violation of FDCPA XXXX XXXX ( b ) ( XXXX XXXX XXXX XXXX ) which states that upon written request for validation, collection activity must cease until proper verification is provided. Merely commenting that the debt has been " verified '' is not sufficient under the law. Verification must include actual documentation, not statements. 

Furthermore, this tradeline is being reported with a " Date Opened '' of XX/XX/XXXX, which is not the date of original delinquency, but rather the date XXXX XXXX acquired the debt. The original debt was opened with XXXX XXXX XXXX on XX/XX/XXXX, and this inaccurate reporting appears to be a re-aging of the debt a violation of FCRA Section XXXX ( a ) ( XXXX ). 
________________________________________ Responsibility of Transunion : As the credit reporting agency furnishing this information, Transunion is also held liable under the FCRA. According to FCRA Section XXXX ( XXXX XXXX XXXX XXXX ), a credit bureau must : Conduct a reasonable investigation when a consumer disputes a tradeline. 
Delete or correct the information if it can not be verified within XXXX  days. 
Not rely solely on a furnishers unsubstantiated claims of accuracy without actual verification. 
If the information provider ( XXXX XXXX ) can not or does not furnish documentation to substantiate the debt upon dispute, Transunion is legally obligated to remove or correct the entry. Simply accepting a comment or unverifiable claim from a furnisher is not considered a reasonable investigation and may constitute willful noncompliance under FCRA Section 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 2025-07-08 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 


EQUIFAX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 


I looked at my XXXX  Equifax Experian credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to XXXX XXXX XXXX ( XXXX ) ( b ). 

And according to XXXX XXXX XXXX XXXX they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to XXXX XXXX XXXX they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to dispute inaccurate, incomplete, and inconsistent information being reported on my credit file by XXXX XXXX XXXX, pursuant to my rights under FCRA 611.

There are a consistencies on all three credit bureaus experience, Equifax and transunion on the information on this account information on the daily account was open the status of the account being open and closed as well as the difference in all three reporting balances

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: GA

Complaint narrative:
I am writing to dispute inaccurate, incomplete, and inconsistent information being reported on my credit file by XXXX XXXX XXXX, pursuant to my rights under FCRA 611.

There are a consistencies on all three credit bureaus experience, Equifax and transunion on the information on this account information on the daily account was open the status of the account being open and closed as well as the difference in all three reporting balances

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 2025-07-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
On XX/XX/year> I transferred {$1500.00} from my XXXX account to my new Marcus XXXX. The fund cleared and were available on XX/XX/year>. That day I decided to take out my {$1500.00} and transfer it back to my XXXX savings for personal reasons. I needed the money for bills. On XX/XX/year> Marcus said my withdrawal was reversed. I called the company that day and they put me through XXXX people, hung up on me, and failed to explain or fix the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Im writing to dispute inaccurate and unauthorized information on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX Code XXXX ( XXXX ), my personal information was shared without my written permission. This led to accounts being added that I didnt open or use. This may also be identity theft under XXXX XXXX XXXX XXXX. Please investigate and fix these errors to make sure my credit file is accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: GA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a XXXX party credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional XXXX days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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