vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was shocked to discover that my credit report has been improperly accessed through applications made in my name without my knowledge, consent, or authorization. These fraudulent inquiries are from companies I have no relationship with, and I never applied for credit with them. This is a clear violation of my rights as a consumer, and it is both distressing and insulting to be subjected to such misuse of my personal information as a law-abiding citizen.

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 2025-10-01 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: TX

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: CA

Complaint narrative:
I am writing to advise that I am a victim XXXX XXXX For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX 

ACCOUNTS : 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 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 XXXXXX/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 2025-10-01 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: SC

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address. 

Don't close this complaint with a reason that I need to prove my identity because all necessary documents are all attached on the letters!

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 2025-10-01 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:
THESE ARE INACCURATE ITEMS. IT STILL SHOWS AS LATE

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 2025-10-01 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: Early Warning Services, LLC
State: CA

Complaint narrative:
My report reflects incorrect personal information, which has led to an unknown and inaccurate account appearing under my name. I am a victim of identity theftmy information was used fraudulently, and I have never been associated with this account. As instructed, I filed and submitted an FTC Identity Theft Report, yet this fraudulent item still remains on my credit report. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$33000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: FL

Complaint narrative:
I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: Shellpoint Partners, LLC
State: GA

Complaint narrative:
Dear CFPB representative, I am writing to file an urgent complaint against shellpoint mortgage sericing for applying an Unauthorized loan modification on my property/account. 
I did not request or authorize this modification. Despite notifying Shellpoint on XXXX XXXX they failed to provide resolve the matter. Their inaction has caused me financial harm, emotional distress and risk of foreclosure. 
I am respectfully request the CFPB to investigate this mattersnd require Shellpoint to immediately correct my account, disclose all relevant documents. and cease these unlawful practices. 

Sincerely

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 2025-10-01 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: Fidelity National Information Services, Inc. (FNIS)
State: AR

Complaint narrative:
I am disputing a negative ChexSystems record reported by XXXX XXXX  ( Account ending XXXX, {$530.00}, closed XX/XX/XXXX ). 
I previously disputed this record with ChexSystems in XX/XX/XXXX. 
The furnisher verified the account but provided me with no documentation, no account agreements, no NSF records, and no proof of notice. 

This record remains marked UNPAID and is preventing me from opening bank accounts. 
Under the Fair Credit Reporting Act ( FCRA ), unverified or incomplete information must be corrected or removed. I request that the CFPB require XXXX XXXX  and ChexSystems to provide full documentation or remove this record entirely.

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 2025-10-01 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: GA

Complaint narrative:
XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting XXXX accurate. 
XXXX XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Under 15 USC 1666 B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. Contacted Debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature. They have not been able to provide such proof to me therefore you are reporting a misleading false account. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: MO

Complaint narrative:
Challenged entry : XXXX  XXXX XXXX Miscellaneous Reptg. Agencies XX/XX/year> Equifax. 
The label is vague/misleading ( mortgage-related ). Under FCRA 607 ( b ) and 611 / 1681i ( a ) ( 1 ) ( A ), ( a ) ( 5 ) ( A ), conduct an independent reinvestigation ( XXXX ) and produce : the signed mortgage application, PP code ( 1681b ( a ) ), hard/soft basis, industry/type, subscriber ID, and audit log linking my application to this inquiry. Codes are not proof. If not verified with documents, delete. 
I will file CFPB/FTCXXXX XXXX complaints and pursue remedies under 15 U.S.C. 616 617 if this remains uncorrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I was told on XX/XX/XXXX, to call back on XX/XX/XXXX concerning my credit history complaint because that agent couldn't find my data. On XX/XX/XXXX I talked with the Capital One 's XXXX Department and was told to dispute my case on their website. XXXX on XX/XX/XXXX I received an email stating that my case ( XXXX ) was colsed because my credit history was correct as of XX/XX/XXXX. The situation is that they refuse to acknowledge that I've been in good standing with them since XX/XX/XXXX. I called back to Capital One 's XXXX Department on XXXX XX/XX/XXXX and was told this time to fax my complaint to Capital One 's General Correspondence in XXXX XXXX XXXX Utah. On XX/XX/XXXX, I fax my complaint letter with an attachment XXXX Capital One credit check that they cashed on a prior date of XX/XX/XXXX and that location created a new case number ( XXXX ). On XX/XX/XXXX I received the same statement that my credit history was correct as of XX/XX/XXXX. 
They are somehow too busy to help me in this situation to report the XXXX  years I've been with them to the XXXX XXXX  vs the XXXX  years they are currently reporting. Please help me to get their attention in correcting my positive credit history with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: MI

Complaint narrative:
I am a victim of identity theft. Numerous fraudulent accounts and hard inquiries have been added to my credit reports without my consent, including but not limited to XXXX  XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, and others. Several auto-finance inquiries ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX. ) were also made without my written authorization. 
On XX/XX/year>, I submitted an FTC Identity Theft Report ( # XXXX ) and a notarized affidavit to all three credit bureaus. I formally requested that they block and delete this information pursuant to FCRA 605B, which requires removal within 4 business days. Despite providing all required documentation, the fraudulent accounts and inquiries remain on my file. 
These CRAs and furnishers are in violation of : FCRA 605B failing to block identity theft accounts ; FCRA 611 failure to conduct reasonable reinvestigation ; FCRA 607 ( b ) inaccurate and inconsistent reporting ; FCRA 623 ( a ) ( 6 ) furnishers continuing to report fraudulent accounts after notice ; FDCPA 809 ( b ) collectors attempting to validate disputed debts ; Relevant case law including Cushman v. TransUnion and Dalton v. Capital Associated Industries.

These violations have caused me to be denied credit, face higher interest rates, and suffer emotional and financial distress. 
Desired Resolution Immediate permanent deletion of all fraudulent accounts and unauthorized inquiries from my XXXX, XXXX, and TransUnion credit files. 
Correction of inaccurate personal information ( incorrect names and addresses linked to fraud ). 
Written confirmation of compliance with FCRA 605B.

Compensation for damages as provided under FCRA 616617 and FDCPA 813, including statutory damages and actual harm. 
Attachments for CFPB Portal Upload FTC Identity Theft Report ( # XXXX ) XXXX XXXX XXXX  Pre-Litigation Notice Letter ( dated XXXX XXXX, XXXX  ) XXXX XXXX XXXX Certified mailing receipts Notarized affidavit of fraud Government-issued ID and proof of address

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 2025-10-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
XXXX is reporting an alleged debt on my credit report that is inaccurate, inconsistent, and unverifiable. I never entered into any contract with them and the company has not provided proper validation of this debt as required under the FDCPA. The tradeline contains conflicting information ( dates, balances, account numbers ) and therefore violates the FCRAs requirement that all furnished data be accurate and verifiable. Reporting also fails to meet XXXX XXXX compliance standards for consistency and integrity. Under FCRA XXXX, unverifiable information must be deleted. XXXX has continued furnishing it in violation of the law. This inaccurate reporting damages my credit standing and creates undue hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I am in the process of purchasing a home and my loan XXXX contacted me today stating there was an issue with late payments being reported from XXXX of my credit cards. I have XXXX credit cards and both of them are with Capital One. I make on time payments for both of these cards each month however, Capital One has been rejecting payments on XXXX of my cards therefore causing late payments to be reported each time. 

This has caused a significant drop in my XXXX XXXX and threatening my ability to close on my new home. Capital One continues to blame this issue on my bank which can not be the case since I have another credit card with Capital One that payments are successfully processed with my bank. I have contacted my bank numerous times about the issue and they have confirmed that Capital One has not attempted to collect any payments since XXXX of XXXX. That totals to XXXX late payments in the amount of {$250.00} or more being reported to my credit reports not included late payments of {$40.00} each and accumulating interest. 

This has caused me much mental anguish as my new home is almost complete and I am at risk of losing money that I have put towards this home due to Capital One 's neglect and lack of consideration of me being a loyal customer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-01 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: NJ

Complaint narrative:
I am filing this complaint because TransUnion continues to report the XXXX XXXX XXXX. ( XXXX ) despite my previous dispute, including a certified mail dispute delivered on XX/XX/year> ( XXXX XXXX XXXX XXXXXXXX ). This account was reported without my written consent, violating 15 U.S.C. 1681b ( 2 ), which prohibits furnishing information without consumer authorization. TransUnion has failed to conduct a proper reinvestigation as required by 15 U.S.C. 1681i ( a ), which mandates that a credit reporting agency conduct a thorough investigation and correct any inaccuracies. Furthermore, TransUnion did not provide the verification method required under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), which demands that credit bureaus detail the steps taken in verifying disputed information. TransUnion has continued to report inaccurate and unauthorized information, which is in direct violation of the Fair Credit Reporting Act ( FCRA ). This continued inaccurate reporting has caused significant harm, including lowering my XXXX XXXX and damaging my ability to access fair credit, housing, and employment opportunities. The impact on my financial well-being has been severe, as this account has been improperly reflected in my credit report, despite my efforts to dispute it and provide supporting documentation. XXXX failure to act not only represents negligence in following the legal requirements of the FCRA, but may also rise to willful noncompliance, exposing them to civil liability under 15 U.S.C. 1681n and 15 U.S.C. 1681o, which entitle consumers to statutory and actual damages, attorneys fees, and punitive damages. The continued reporting of this unauthorized account demonstrates a reckless disregard for consumer rights and legal obligations.

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