vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-11 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: SC

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , 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. This fraudulent, inaccurate, and false information consists of an installment loan account opened at a credit card opened at XXXX under account XXXX opened on XX/XX/XXXX, a credit card opened at XXXX under account XXXX on XX/XX/XXXX, a credit card opened by XXXX  under account XXXX XXXX XX/XX/XXXX, A credit card opened at XXXX under account XXXX on XX/XX/XXXX, a credit card opened at XXXX under account XXXX on XX/XX/XXXX, a credit card opened at XXXX XXXXXXXX under account XXXX on XX/XX/XXXX, a credit card opened at XXXX XXXX under account number XXXX XXXX XX/XX/XXXX and a credit card opened at XXXX under account XXXX on XX/XX/XXXX. 

These accounts have resulted in several fraudulent collections appearing on my consumer XXXX credit report. I have attached a copy of the consumer Equifax credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of a sworn Identity Theft affadavit as proof from that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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: MS

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: NC

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 XXXX business days of you receiving this complaint. 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 third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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: NC

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 XXXX business days of you receiving this complaint. 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 third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This XXXX XXXX account is being reported inaccurately by TransUnion and violates the FCRA. The information being furnished is inconsistent across the three credit bureaus, which proves TransUnions data is incomplete and inaccurate.


Specific issues : 1. The Date of First Delinquency is different on each bureau. FCRA requires the DOFD to be uniform. 2. The payment history is materially different than what Experian and Equifax are reporting. TransUnion is showing incorrect late payment markers and ND ( no data ) for multiple months, which is not accurate for a closed, charged-off account. 
XXXX. TransUnion is reporting multiple derogatory statuses at the same time ( Charge-Off, Derogatory, Closed by Credit Grantor ), which is considered duplicate negative reporting.

FCRA 602 ( A ) and 607 ( B ) forbid duplicative or misleading negative reporting. 
XXXX. XXXX XXXX previously marked this account as dispute resolved by grantor, but TransUnion continues reporting new, different data after the investigation. 
This violates FCRA 623 ( a ) ( 1 ) ( A ) because the furnisher can not update or change data after verification unless the consumer re-disputes which I did not.

5. TransUnion is reporting an incorrect balance progression and status dates that do not match the furnisher nor the other credit bureaus. 

Because the information is inconsistent, incomplete, and unverifiable, I am requesting full deletion of the XXXX XXXX account from my TransUnion credit file in accordance with FCRA guidelines.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: T.S. Holdings
State: FL

Complaint narrative:
On XX/XX/year>, at approximately XXXXXXXX XXXX, I spoke with an XXXX XXXX representative identified as XXXX XXXX. During this call, I attempted to explain the circumstances regarding my recent move, which happened suddenly and unexpectedly. Because of the transition, my phone service was temporarily shut off, and I was unable to answer or return any calls. Instead of listening or allowing me to speak, he dismissed my situation entirely and accused me of making excuses. 

His tone and language were intentionally belittling and disrespectful. He talked over me, refused to acknowledge what I was saying, and minimized my situation. His behavior was so unprofessional and hostile that it caused me significant emotional distress and even made me cry during the call. I told him directly that I was not comfortable continuing the conversation with him. 

Toward the end of the call, he escalated the situation further by making a threatening statement, telling me you will never be able to get anything. This is highly inappropriate, intimidating, and unacceptable from any representative, especially a debt collector bound by federal communication standards. 

I am requesting an immediate review of this incident, including disciplinary action or retraining for this representative. I also ask that all future communication be handled by a different representative and remain professional and respectful at all times. Written confirmation that this matter has been addressed would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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:
As per 15usc 1611 XXXX  TransUnion and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. XXXX requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. XXXX requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer XXXX requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. Cc Better Business Bureau. Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. XXXX XXXX and XXXX. Cc Federal Trade Commission. XXXX XXXX XXXX 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 2025-11-11 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: MS

Complaint narrative:
I am writing and sending this complaint with absolute certainty and extreme frustration. There are multiple accounts on my credit report that contain serious errors, and I can no longer ignore them. These inaccuracies have been negatively impacting my life and credit XXXX, preventing me from achieving financial stability and freedom. This situation has caused me immense stress and frustration, and I need it addressed promptly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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: MO

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violations of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: OH

Complaint narrative:
Why was I charged in student aid for XXXX and XXXX for XXXX courses XXXX and XXXX for XXXX each at XXXX XXXX? The amount charged in student aid is over the amount for XXXX courses XXXX together. I did try to reach out to XXXX XXXX  on XX/XX/year>, however, I have not been provided with an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My TransUnion credit report contains inaccurate and unverifiable information that was already deleted from my XXXX  file. 
The {$620.00} collection from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  remains on TransUnion even though XXXX  deleted it as inaccurate. TransUnion has verified it several times through the automated e-OSCAR system without providing original documentation or my signed authorization. 
My file also lists multiple incorrect names, old addresses, and unauthorized hard inquiries, including XXXX XXXXXXXX XXXX XXXX XXXX has already removed. These items are inconsistent and were reported using outdated or invalid identification. 
I have submitted an Identity Theft & FCRA Correction Affidavit to support this complaint. I am the verified individual associated with XXXX ending in XXXX, and my only correct information is : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Phone : ( XXXX ) 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 2025-11-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
Summary : I am submitting this complaint under RESPA 1024.35 for a servicer error related to escrow miscalculation and improper shortage creation by Mr. Cooper. 

Details : In XX/XX/year>, Mr. Cooper lowered my escrow payment by approximately $ XXXX after stating that my property taxes had decreased, projecting an annual tax amount of {$9100.00}. This was incorrect my municipal tax bill for the same period reflected taxes of approximately $ XXXX. 

In XX/XX/year>, Mr. Cooper acknowledged the correct tax amount in their new escrow analysis, which resulted in a {$5900.00} shortage that was spread over XXXX  months, increasing my total mortgage payment by nearly $ XXXX. 

This shortage was entirely caused by Mr. Coopers erroneous XX/XX/year> escrow analysis using incorrect tax information for a newly constructed home. I was not notified of any change in tax basis or property reassessment, and I did not request a payment decrease.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: WV

Complaint narrative:
MOHELA stopped sending my bills in the mail and I called them to fix it twice now. I updated my address and they said it would come in the mail, but it hasnt and its been a few months Ive been dealing with this. Im getting delinquent payments and interest is racking up because of their negligence.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-11 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: MD

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a victim of identity theft. Attached are my FTC Identity Theft Report, identity documents, and legal demand under FCRA 605B ( 15 U.S.C. 1681c-2 ). I demand the immediate deletion of all fraudulent accounts listed in my letter within 4 business days, as required by federal law. Failure to comply will result in me filing formal complaints with the CFPB, FTC, State Attorney General, and pursuing civil litigation for willful noncompliance under FCRA 616 & 617. You are legally obligated to block and permanently delete this information. Any refusal, failure, or delay will be treated as intentional violation of my consumer rights, exposing Experian Credit Bureau to statutory, actual, and punitive damages, including attorneys fees. I expect written confirmation once deletions are complete.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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 dispute the following items on my TransUnion credit report as they appear to be inaccurate or incomplete : Charged Off : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/year> Balance : {$6800.00} Late Payments : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : 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 2025-11-11 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Delete the following unauthorized hard inquiries on my credit report, which were made without my consent or a permissible purpose : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, credit reports can only be accessed with the consumers authorization or for valid purposes, neither of which applies to these inquiries. Additionally, the FTC website is currently unavailable, preventing me from filing an FTC Identity Theft report at this time. These unauthorized inquiries are damaging my credit and violating my rights under the FCRA. I am requesting their immediate removal from my credit report, and I trust the CFPB will ensure this matter is addressed promptly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: MN

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 " XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court Bankruptcy - XXXX 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