vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-07 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:
I am writing to dispute inaccurate and damaging information listed in my Experian credit file. Under 15 U.S.C. 1681i, you are required to conduct a good-faith, reasonable reinvestigation of any disputed data. Additionally, under 1681g, I request full disclosure of all data sources and verification documents associated with the following entry : It has come to my attention that Experian has recently been subject to enforcement action by the Consumer Financial Protection Bureau ( XX/XX/2025 ) for engaging in sham investigations and failing to properly respond to valid consumer disputes. I have reason to believe that my prior dispute ( s ) may have been similarly mishandled. 

Accordingly, I demand the following : 1. Immediate deletion of the disputed tradeline ( s ) if not fully verified.

2. A detailed description of your reinvestigation process and the identity of any furnisher contacted, pursuant to 611 ( a ) ( 6 ) ( B ) ( iii ).

3. Disclosure of any contracts, instruments, or written agreements relied upon in the course of verification. 
DEPT OF EDXXXX XXXX, DEPT OF ED/XXXX  XXXX, DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATION/XXXX XXXX, DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX 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 2025-05-07 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: IN

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-07 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:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc.
State: MI

Complaint narrative:
This complaint is submitted due to Innovis Consumer Assistances ongoing reporting of inaccurate and unverifiable consumer information, in violation of several provisions under the Fair Credit Reporting Act ( FCRA ) and CDIAs Metro 2 reporting standards. 

On XX/XX/XXXX, I submitted a written dispute to Innovis challenging their reporting of multiple accounts, inquiries, and personal identifiers. Innovis has failed to provide a response or furnish physical verification of the disputed data, thus violating my consumer rights.

Violations Identified 15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy of reported consumer information.

15 U.S.C. 1681i ( a ) ( 1 ) : Failure to conduct a reasonable reinvestigation of disputed items within 30 days.

15 U.S.C. 1681i ( a ) ( 5 ) : Failure to delete disputed information not verified.

15 U.S.C. 1681i ( a ) ( 6 ) : Failure to provide notice of reinvestigation results.

15 U.S.C. 1681b : Reporting inquiries without permissible purpose. 
Disputed Items Personal Information Errors Name : XXXX XXXX should reflect XXXX XXXX XXXX XXXX of Birth : Reported as XXXX missing complete birth date ( XX/XX/XXXX ) Address : Current address XXXX XXXX XXXX, XXXX, MI XXXX reported inaccurately or listed as outdated Disputed Entries Include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Each of these entries is reported with incomplete, outdated, or unverifiable derogatory information across the three credit bureaus. My direct request to XXXX XXXX Services to substantiate these records has gone unanswered.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: VA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 2025-05-07 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: VA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: FL

Complaint narrative:
Pursuant to XXXX XXXX XXXX I am a victim of identity theft. I never gave authorization for these accounts to report on my consumer reports by the consumer reporting agencies. FCRA XXXX states a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than XXXX business days after the date of the receipt. And I was affected by the XXXX  Data breach, My personal information was exposed. see attached document from the XXXX DATA BREACH explaining that I was affected

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 2025-05-07 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: CA

Complaint narrative:
Subject : Formal Complaint to the CFPB TransUnion 's Failure to Correct Inaccurate Student Loan Reporting To the Consumer Financial Protection Bureau, Despite multiple disputes and legally binding deferment orders, I am submitting this formal complaint against TransUnion for their continued reporting of inaccurate, misleading, and federally protected student loan information on my credit file. 


TransUnion is reporting multiple XXXX late notations beginning abruptly in XX/XX/XXXX without any payment history before that date, which violates FCRA 1681e ( b ) and XXXX XXXX guidelines. A consumer can not be XXXX  or XXXX  days late without missed payments recorded in the preceding months. This data is misleading and unsupported. According to the Department of Education, they do not report payment until XXXX  days late, but TransUnion reports monthly as late, bringing down the score. I will give an example. I have XXXX  loans, and all show the same late remarks. 


Additionally, I was enrolled in XXXX  XXXX XXXX ( XXXX ) beginning XX/XX/XXXX, due to XXXX  XXXX  and continued under-documented financial hardship throughout XXXX. I will include the XXXX information here. I am also a post-class member in the XXXX XXXX XXXXXXXX class action settlement. My student loans are currently in court-ordered deferment through XXXX as part of that federal case. 


Despite this, TransUnion continues to publish derogatory information during a period protected by a federal litigation settlement, which may constitute interference with a court-sanctioned legal remedy. These actions are not only negligent but also potentially willful. XXXX is a company that lost its ability to service student loans, which is why XXXX XXXX now services my student loans. They just read off their computer from incomplete notes and do not investigate. Theyre a part of the case as well. 


XXXX  corrected its records after receiving the same documentation and removed these inaccuracies. TransUnion has not followed suit and relies on unverifiable and incomplete third-party validation, including possible internal affiliates like XXXX XXXX.TransUnion failed to adhere to FCRA obligations, refused to correct unverifiable data, and disregarded federally protected deferment status under a litigation settlement. A fair remedy is having TransUnion stop posting data it cant prove.

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 2025-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-05-07 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 experiencing significant difficulty submitting a complete and accurate dispute regarding an inaccurately reported debt to Experian. 
I am disputing the accuracy of a {$110.00} balance reported by XXXX XXXX XXXX ( XXXX  ) on behalf of XXXX XXXX XXXX. This debt is inaccurately reported and improperly verified. Despite my dispute to XXXX, Experian, Equifax and Transunion has reported this debt without obtaining valid documentation to verify its accuracy, violating the Fair Credit Reporting Act ( FCRA ). 

1. {$100.00} Late Move-Out Fee : The lease agreement does not authorize a {$100.00} late move-out fee. It only permits double daily rent for holdover. Based on the lease terms, the correct prorated holdover fee for moving out at XXXX XXXX instead of XXXX XXXX  would be {$9.00}. The {$100.00} charge is unauthorized and excessive by {$90.00}. 
2. {$16.00} Common Area Charge : This charge is unsupported. The photos used to justify it were taken while my son was still moving, making the charge premature and invalid. 
3. Payment Discrepancy : I made a payment of {$170.00}, which should have settled the account. However, I received a statement showing only {$73.00} as paid, creating an unresolved accounting error. 

I have requested validation of this debt directly from XXXX, but they have failed to provide any legally sufficient documentation. Despite this, Experian, Equifax, and Transunion has continued to report the debt as valid. 

Under the Fair Credit Reporting Act ( FCRA ), Experian, Equifax, and Transunion has a legal obligation to ensure that all information it reports is accurate and properly verified. Continuing to report this debt without valid verification violates my rights under the FCRA.

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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am experiencing significant difficulty submitting a complete and accurate dispute regarding an inaccurately reported debt to Experian. 
I am disputing the accuracy of a {$110.00} balance reported by XXXX XXXX XXXX ( XXXX  ) on behalf of XXXX XXXX XXXX. This debt is inaccurately reported and improperly verified. Despite my dispute to XXXX, Experian, Equifax and Transunion has reported this debt without obtaining valid documentation to verify its accuracy, violating the Fair Credit Reporting Act ( FCRA ). 

1. {$100.00} Late Move-Out Fee : The lease agreement does not authorize a {$100.00} late move-out fee. It only permits double daily rent for holdover. Based on the lease terms, the correct prorated holdover fee for moving out at XXXX XXXX instead of XXXX XXXX  would be {$9.00}. The {$100.00} charge is unauthorized and excessive by {$90.00}. 
2. {$16.00} Common Area Charge : This charge is unsupported. The photos used to justify it were taken while my son was still moving, making the charge premature and invalid. 
3. Payment Discrepancy : I made a payment of {$170.00}, which should have settled the account. However, I received a statement showing only {$73.00} as paid, creating an unresolved accounting error. 

I have requested validation of this debt directly from XXXX, but they have failed to provide any legally sufficient documentation. Despite this, Experian, Equifax, and Transunion has continued to report the debt as valid. 

Under the Fair Credit Reporting Act ( FCRA ), Experian, Equifax, and Transunion has a legal obligation to ensure that all information it reports is accurate and properly verified. Continuing to report this debt without valid verification violates my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: LA

Complaint narrative:
My personal information was exposed as a result of the Equifax data breach in 2017. Since then, fraudulent accounts and unauthorized inquiries have appeared on my Equifax, Equifax, and Transunion credit report. I am a victim of identity theft and have filed a police report and an Identity Theft Report with the FTC. 

I submitted a dispute to Equifax, Equifax, and Transunion under Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c2 ), requesting that the fraudulent accounts and inquiries be blocked from my credit file. I included all required documentation : a government-issued ID, proof of address, a copy of the FTC report XXXX and a detailed list of fraudulent items. 

Despite this, Equifax, Experian, and Transunion have failed to block the fraudulent information within the required four business days, in violation of FCRA 605B. This inaction has harmed my credit, led to multiple denials of credit, and caused financial and emotional distress. 

I am requesting the CFPBs assistance in enforcing my rights under the FCRA, including immediate removal of the fraudulent accounts, written confirmation of the actions taken, and assurance that my consumer rights are not further violated.

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 2025-05-07 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: LA

Complaint narrative:
My personal information was exposed as a result of the Equifax data breach in 2017. Since then, fraudulent accounts and unauthorized inquiries have appeared on my Equifax, Equifax, and Transunion credit report. I am a victim of identity theft and have filed a police report and an Identity Theft Report with the FTC. 

I submitted a dispute to Equifax, Equifax, and Transunion under Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c2 ), requesting that the fraudulent accounts and inquiries be blocked from my credit file. I included all required documentation : a government-issued ID, proof of address, a copy of the FTC report XXXX and a detailed list of fraudulent items. 

Despite this, Equifax, Experian, and Transunion have failed to block the fraudulent information within the required four business days, in violation of FCRA 605B. This inaction has harmed my credit, led to multiple denials of credit, and caused financial and emotional distress. 

I am requesting the CFPBs assistance in enforcing my rights under the FCRA, including immediate removal of the fraudulent accounts, written confirmation of the actions taken, and assurance that my consumer rights are not further violated.

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 2025-05-07 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:
Since I had no part in opening these fraud activity and was ignorant of their existence, I ask that they be deleted from my credit report. I request that they be deleted within 15 days in accordance with USC 1681g. Attached are supporting materials.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XX/XX/XXXX Balance : {$0.00} Open Date XX/XX/XXXX Inquiries : XXXX XX/XX/XXXXDate XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XX/XX/XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXXXX/XX/XXXX Date XX/XX/XXXX XXXX XX/XX/XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/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 2025-05-07 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: SecureNet Loan Services LLC
State: TX

Complaint narrative:
Facts It seems there's a discrepancy between what the title company escrow account indicates and what, the loan servicer records, leading to a potential escrow shortage and subsequent collection action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-05-07 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: TX

Complaint narrative:
I have already disputed my XXXX XXXX XXXX ( XXXX ) due to inaccuracies and again none are fixed. You even adjusted false information for more false information. I missed my first payment and never caught up on XX/XX/XXXXXXXX  based off information I received from XXXX that I will attach below. With that being said my XXXX would be XX/XX/XXXX since I was never current following that and never made up that payment. How would my charge off be over 2 years later on " XX/XX/XXXX when it became over 120 days past due ''? That is extending the statue of limitations and again a violation of my rights. For the second time I am requesting names and buisness contact information on who is involved in these faulty " investigations ''. I will also attach inconsistent payment history across different bureaus as well which also should have been corrected on the first dispute as well as contradictory adjustments from your most recent response. If you are going to report my information as a furnisher it by law needs to be accurate and consistent.

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