vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXX XXXXXXXX XXXX IN XXXX AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court XXXX XXXX XXXXXXXX XXXX  XXXX United States Bankruptcy Court that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 2025-09-01 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: Self Financial Inc.
State: LA

Complaint narrative:
this account is not mine. I have reached out to the creditor many times in regards to this. Each time I call, I am told that they can't find an account with my name and social. I think someone may have used my information to open up this account after it was leaked in the data breach

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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:
I am filing this complaint because my credit reports are filled with serious errors that have not been corrected despite my repeated disputes and investigations. I have been working tirelessly to clear these inaccuracies, yet the credit bureaus and furnishers continue to report false, misleading, and unverifiable information that is harming my creditworthiness and financial life. This complaint is being submitted to ensure a proper and thorough investigation is conducted, and that all parties are held accountable under the Fair Credit Reporting Act ( FCRA ), which requires accurate, fair, and verifiable reporting. 

The following accounts are being reported inaccurately and are the subject of this complaint XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts include late payments, charge-offs, and collection entries that I do not recognize or have no verifiable knowledge of. I have already contacted the credit bureaus and disputed these items multiple times, yet they have failed to provide proper verification as required under FCRA Section 611. Instead of conducting a reasonable investigation, they continue to report inaccurate data, which is a direct violation of their obligations under the law.

I believe that both the credit bureaus and the furnishers are failing to uphold their duty under FCRA Section 607 ( b ), which requires maximum possible accuracy in credit reporting. Reporting unverifiable or inaccurate information is damaging, and their failure to correct these errors even after being notified demonstrates willful noncompliance. I also have concerns that some of these accounts may be the result of identity theft or mixed-file errors, which makes it even more crucial for the CFPB to step in.

I am requesting that the CFPB investigate this matter thoroughly, hold the credit bureaus and furnishers accountable for these violations, and take immediate steps to ensure these inaccurate items are removed from my credit reports. The failure to maintain accurate information and to properly verify disputed accounts is a direct violation of consumer protection laws, and I am exercising my rights to have these errors corrected and my credit restored.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I submitted formal disputes to Experian and TransUnion regarding inaccurate personal information and unauthorized or unverifiable credit inquiries on my credit reports, pursuant to FCRA 611 ( 15 U.S.C. 1681i ). Specifically, I disputed the reporting of incorrect addresses and unverified inquiries that do not belong to me. I provided supporting documentation, including proof of identity, FTC Identity Theft Report, and Power of Attorney, to substantiate that the reported information was inaccurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite providing this documentation, the credit bureaus failed to conduct a reasonable reinvestigation within the 30-day statutory period required by law. The inaccurate addresses and unauthorized inquiries remain on my credit reports with no meaningful corrections, explanations, or disclosure of the method of verification. This constitutes a direct violation of my right under FCRA 611 to a timely and thorough reinvestigation of disputed information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I submitted formal disputes to Experian and TransUnion regarding inaccurate personal information and unauthorized or unverifiable credit inquiries on my credit reports, pursuant to FCRA 611 ( 15 U.S.C. 1681i ). Specifically, I disputed the reporting of incorrect addresses and unverified inquiries that do not belong to me. I provided supporting documentation, including proof of identity, FTC Identity Theft Report, and Power of Attorney, to substantiate that the reported information was inaccurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite providing this documentation, the credit bureaus failed to conduct a reasonable reinvestigation within the 30-day statutory period required by law. The inaccurate addresses and unauthorized inquiries remain on my credit reports with no meaningful corrections, explanations, or disclosure of the method of verification. This constitutes a direct violation of my right under FCRA 611 to a timely and thorough reinvestigation of disputed information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: NV

Complaint narrative:
Good day, filing this complaint to follow up my previous letters that I'm requesting for correction or update of the account listed below. I am firmly convinced that the reporting of these account is inaccurate, resulting in a negative impact on my credit standing. Despite my diligent effort to recall any interactions with this account, I have found no evidence of conducting business with them or receiving any services. This discrepancy raises concerns about the accuracy and validity of the reported item. This is the account that I request to be investigated and updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$720.00}

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 2025-09-02 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: FL

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 non-monetary relief
Consumer complaint received 2025-09-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
On or about XX/XX/scrub> 2025 I submitted tax exempt forms to Newrez Mortgage Company XXXX XXXX XXXX XXXX, SC XXXX from XXXX XXXX, Virginia informing them that I am tax exempt. The mortgage company confirmed that I am exempt but continue to collect taxes

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: GA

Complaint narrative:
I am filing this complaint because Experian has failed to conduct a proper and reasonable investigation into multiple disputed items that continue to appear on my credit report despite repeated disputes. These errors are damaging my credit and violating my rights under the Fair Credit Reporting Act. For example, the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX, is listed as a charge-off with a balance of {$0.00}, but I have no knowledge of this account and have never been provided with any documentation proving its legitimacy. Another account, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  opened on XX/XX/XXXX, is also reported as a charge-off, yet Experian has not provided proof of accuracy or validation from the original creditor. The account XXXX XXXX XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX, is being reported with a late payment history and a high balance of {$15000.00}, but I have not been provided any verified documentation proving this information is correct. The XXXX XXXX XXXX XXXX XXXX XXXX  account, opened on XX/XX/XXXX, also inaccurately reflects late payments, which remain unsubstantiated despite my disputes. Furthermore, Experian is reporting a bankruptcy record from the XXXX Bankruptcy XXXX GA XXXX, reference number XXXX, filed/reported on XX/XX/XXXX, yet no certified court documents have been presented to confirm this information, and it appears Experian is relying on third-party databases rather than court-verified records. 

There are also unauthorized inquiries being reported that I never approved, including XXXX XXXX dated XX/XX/XXXX anXXXX XXXX  dated XX/XX/XXXX. Experian has failed to provide proof of my consent for these inquiries, which violates FCRA guidelines. Despite multiple disputes and formal requests for verification, Experian has not fulfilled its legal duty under FCRA Sections 602, 607 ( b ), 611, and 623 to ensure maximum possible accuracy and to investigate consumer disputes thoroughly. This lack of proper investigation and continued reporting of unverifiable information is causing me ongoing harm. I am requesting the CFPBs assistance in holding Experian accountable, requiring them to either provide certified and verifiable documentation from original creditors and courts or to delete these inaccurate accounts, inquiries, and records from my credit file. I expect immediate corrective action and a revised 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 2025-09-02 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: GA

Complaint narrative:
XXXX XXXX, XXXX, and XXXX XXXX are all blatantly trampling and violating my consumer rights. All three of those companies are illegally reaging debt on my report. All three of those companies are in violation of 15 USC 1681-2 ( a ) 1 ( A ). It's against the law for them to report anything theyknow to have errors. If an account can only charge off once by law, why are they reporting an account has charged off 6, 12, 30 times? They arebeing willfully no compliant with the law. They are making money in conjunction with the credit bureaus reporting this erroneous and illegalinformation. Not only that they are committing identity theft because they are in violation of 18 USC 1028. They are using my Means of Identifi cation toillegally re age debt and report erroneous information. That is against the law and it must stop. Enough is enough.

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 2025-09-01 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no 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 explanation
Consumer complaint received 2025-09-02 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: AL

Complaint narrative:
I was reviewing my credit report and noticed inquiries that do not belong to me.

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 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
An account is being IMMENSELY reported inaccurately by XXXX XXXXXXXX XXXX and EQUIFAX being the credit bureau reporting it. The live report and dispute chart contain conflicting information regarding balance, dates, and status. As well as how the information is completely different from my credit report from XX/XX/XXXX and XX/XX/XXXX. From XX/XX/XXXX, the remaining balance reported at {$8400.00} and last payment being reported as XX/XX/XXXX. From XX/XX/XXXX, the balance was changed back to the original charged off amount of {$12000.00} and the last date of payment XX/XX/XXXX. 

This violates EVERY FCRA law in existence, including 15 USC 1681i & 15 USC 1681s-2. Account in question is as follows : Name : XXXX XXXX  ( XXXX XXXX PA as the current furnisher ) Account number : XXXX I am fed up with the lack of proper investigation and constant violations of the Fair Credit Reporting Act. This is where I draw the line.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: IL

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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 2025-09-02 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: FL

Complaint narrative:
I submitted formal disputes to Experian and TransUnion regarding inaccurate personal information and unauthorized or unverifiable credit inquiries on my credit reports, pursuant to FCRA 611 ( 15 U.S.C. 1681i ). Specifically, I disputed the reporting of incorrect addresses and unverified inquiries that do not belong to me. I provided supporting documentation, including proof of identity, FTC Identity Theft Report, and Power of Attorney, to substantiate that the reported information was inaccurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite providing this documentation, the credit bureaus failed to conduct a reasonable reinvestigation within the 30-day statutory period required by law. The inaccurate addresses and unauthorized inquiries remain on my credit reports with no meaningful corrections, explanations, or disclosure of the method of verification. This constitutes a direct violation of my right under FCRA 611 to a timely and thorough reinvestigation of disputed information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief