vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-16 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 am filing this complaint regarding inaccurate reporting by Experian, Equifax, and TransUnion related to my XXXX account ( Account # XXXX ). Each bureau reports conflicting dates of last activity Experian shows XX/XX/2025, Equifax XX/XX/2025, and TransUnion XX/XX/2025 while simultaneously listing 30, 60, and 90-day late payments that do not align with my documented payment history. These discrepancies have caused significant confusion, negatively impacted my creditworthiness, and created undue stress in my financial planning. Despite providing statements proving timely payments, the bureaus continue to report inconsistent balances, activity dates, and late payments. I have attempted to resolve this directly with the bureaus, citing FCRA 611, 623 ( a ) ( 2 ), 623 ( b ), and 1666 -1666a regarding the duty to investigate and correct reporting errors, yet the inconsistencies remain, and my credit report still contains inaccurate 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
Consumer complaint received 2025-12-16 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: SC

Complaint narrative:
I am submitting this complaint because my credit reports with Experian, Equifax, and TransUnion contain widespread inconsistencies, conflicting data, and inaccurate reporting across multiple accounts that have not been uniformly corrected or updated despite my review and good-faith efforts to understand my credit profile. The same accounts are reported with different balances, dates of last activity, dates reported, delinquency histories, and even reporting presence depending on the bureau, which makes it impossible for my credit file to reflect a single accurate financial history. For example, XXXX account XXXX shows a balance of {$470.00} with 30-, 60-, and 90-day late payments on both Experian and Equifax, yet the dates of last activity and reporting differ significantly between bureaus. XXXX XXXX account XXXX appears with a balance of {$1800.00} and multiple delinquency levels across all three bureaus, but each bureau reports different activity dates, and older XXXX-balance versions of the same account show late payments on Experian and TransUnion while Equifax lists the account in good standing. Additional accounts such as XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) appear on only one or two bureaus while being absent from others, or show conflicting late payment histories and reporting timelines that can not all be accurate at the same time. XXXX XXXX accounts XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX further demonstrate inconsistent balances, delinquency reporting, and dates of last activity, including one instance where a balance is reported on TransUnion while other bureaus reflect a XXXX balance. These discrepancies indicate failures by furnishers and credit reporting agencies to ensure information is complete, accurate, and consistently updated as required under the Fair Credit Reporting Act, including FCRA 611, 623 ( a ) ( 2 ), 623 ( b ), and 15 U.S.C. 1666 and 1666a. As a consumer, I am being harmed by the continued reporting of conflicting and unverified information, and I am requesting regulatory assistance to ensure that all data is properly investigated, corrected, and updated so that my credit reports accurately reflect verified information across all bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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 submitting this complaint because my credit reports with Experian, Equifax, and TransUnion contain widespread inconsistencies, conflicting data, and inaccurate reporting across multiple accounts that have not been uniformly corrected or updated despite my review and good-faith efforts to understand my credit profile. The same accounts are reported with different balances, dates of last activity, dates reported, delinquency histories, and even reporting presence depending on the bureau, which makes it impossible for my credit file to reflect a single accurate financial history. For example, XXXX account XXXX shows a balance of {$470.00} with 30-, 60-, and 90-day late payments on both Experian and Equifax, yet the dates of last activity and reporting differ significantly between bureaus. XXXX XXXX account XXXX appears with a balance of {$1800.00} and multiple delinquency levels across all three bureaus, but each bureau reports different activity dates, and older XXXX-balance versions of the same account show late payments on Experian and TransUnion while Equifax lists the account in good standing. Additional accounts such as XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) appear on only one or two bureaus while being absent from others, or show conflicting late payment histories and reporting timelines that can not all be accurate at the same time. XXXX XXXX accounts XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX further demonstrate inconsistent balances, delinquency reporting, and dates of last activity, including one instance where a balance is reported on TransUnion while other bureaus reflect a XXXX balance. These discrepancies indicate failures by furnishers and credit reporting agencies to ensure information is complete, accurate, and consistently updated as required under the Fair Credit Reporting Act, including FCRA 611, 623 ( a ) ( 2 ), 623 ( b ), and 15 U.S.C. 1666 and 1666a. As a consumer, I am being harmed by the continued reporting of conflicting and unverified information, and I am requesting regulatory assistance to ensure that all data is properly investigated, corrected, and updated so that my credit reports accurately reflect verified information across all bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: MI

Complaint narrative:
I am submitting a follow up on a previous dispute concerning an items on my credit report that I believe to be both inaccurate and unauthorized. To date, I have not received adequate validation or documentation supporting the legitimacy or accuracy of this debt.I continue to dispute the validity of the amount reported, as well as the ownership of the account. I am formally requesting that a thorough investigation be conducted. If the account can not be fully substantiated with proper documentation including proof of ownership and a full payment history I respectfully request that the item be removed from my credit file in accordance with the Fair Credit Reporting Act. 
XXXX XXXX XXXX Balance : {$220.00} Payment Status : Current, was past due 30 days three times XXXX XXXXXXXX XXXX/ Original Creditor : XXXX XXXX XXXX XXXX Balance : {$6900.00} XXXX  XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: IL

Complaint narrative:
My Chime account was closed on XX/XX/year>. At the time of closure, my remaining balance was {$3400.00}. 

Chime is refusing to release my remaining balance, I am requesting written documentation explaining the legal and policy basis for withholding my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Lima One Capital, LLC
State: KS

Complaint narrative:
XX/XX/XXXX - Made initial connection with Lima One Loan XXXX XXXX XXXX was told that down payment would be XXXX  % - so we told XXXX that we had approximately $ XXXX cash, so we would ensure that the purchase price plus renovation budget would not exceed $ XXXX. He confirmed that it was a good strategy. But based on liquidity, our max would be $ XXXX. 
XX/XX/XXXX - Listing agent is unable to reach XXXX XX/XX/XXXX - XXXX responds that he was out of the office previously and proceeded to not respond to any additional emails that day. 
XX/XX/XXXX - received a phone call and requested better customer service from XXXX. Explained that it was our first non-habiting fix and flip, and we were a little nervous because of the poor communication. I asked him to explain the payment process so that we could potentially take advantage of XXXX ' Day sales. He told me he would send the payment schedule as soon as we got off the phone, explaining how much our monthly payments would be. 
XX/XX/XXXX - Asked XXXX for better engagement on his part XX/XX/XXXX - after XXXX days of not hearing from XXXX and complaints from my realtor and the listing agent, I sent another email to him, reminding him that he never sent the pay schedule. 
XX/XX/XXXX - XXXX responded and was asked if an appraisal had been ordered. I asked to speak with his XXXX. His XXXX responded that he would take over. 
XX/XX/XXXX - XXXX connected with his XXXX and told that my down payment was increased to XXXX %. I told him that I would have to think about it and get with him by XXXX 
XX/XX/XXXX - confirmed that I would be able to pay the 20 % down We were originally given a XX/XX/XXXX close date by Lima One Lima One changed the close date to XX/XX/XXXX and later charged me a rush fee that was never explained. 
XXXX continued to work the case after apologizing and admitting that he had not been providing good service to my wife and me. 
XX/XX/XXXX - Notified XXXX  days before closing that the loan was denied after paying for an appraisal. They cited that they didn't feel comfortable with the foundation of the home. 
Emailed and called XXXX and XXXX several times with no answer. 
Have been emailing the company and XXXX after being notified that XXXX was no longer with the company. 
The company was not answering the phone, and XXXX finally responded after we cc : te general mailbox of the 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 explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Consumer : XXXX XXXX Creditor/Furnisher : XXXX XXXX XXXX XXXX  XXXX. 
Account : XXXX XXXX ending XXXX XXXX XXXX XXXX XXXX This letter constitutes a formal escalation dispute pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). I previously disputed the accuracy of the above-referenced account. XXXX XXXX XXXX failed to provide lawful verification or demonstrate that a reasonable investigation was conducted as required by 15 U.S.C. 1681s-2 ( b ). The furnisher relied on internal account summaries and conclusory statements, which do not constitute verification under XXXX law. As a result, the information currently reported remains inaccurate and unverifiable. Under 15 U.S.C.

1681i ( a ) ( 1 ), any information that can not be verified must be deleted or corrected. Continued reporting of this account without proper verification violates the FCRA. I have attached supporting documentation, including my formal dispute and XXXX  XXXX XXXX insufficient response. 
Requested Action : XXXX. Conduct a reinvestigation pursuant to 15 U.S.C. 1681i ; XXXX. Delete or correct all inaccurate or unverifiable information associated with this account ; XXXX. Provide written confirmation of the results of your reinvestigation. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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:
I am filing this complaint against Equifax, Experian, and TransUnion for continuing to report inaccurate late payment information on my credit file and for failing to comply with their reinvestigation duties under the Fair Credit Reporting Act ( FCRA ). 

Late payments are being reported on a XXXX account that has always been paid as agreed and on time. This account has never been 30 days late, and the negative payment history being reported is factually inaccurate. 

The disputed account information is as follows : Creditor : XXXX Equifax / TransUnion Account Number : XXXX Experian Account Number : XXXX Correct Status : Paid as agreed never late I submitted written disputes to all three credit bureaus on XX/XX/year>, clearly identifying the inaccuracies and demanding verification through actual furnisher documentation such as bank transaction records or proof of rejected payments. 

Despite receiving these lawful disputes, the inaccurate late payments continue to be reported. This demonstrates a failure to conduct a reasonable reinvestigation and a failure to ensure maximum possible accuracy as required by 15 U.S.C. 1681e ( b ) and 1681i ( a ).

Any delay or dismissal of my disputes based on assumptions of third-party assistance is unlawful. The FCRA does not permit credit bureaus to delay or disregard disputes, demand a power of attorney, or discriminate against consumers who receive assistance.

This inaccurate reporting has harmed my credit profile and exposed me to potential credit denials and higher interest rates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint against Equifax, Experian, and TransUnion for continuing to report inaccurate late payment information on my credit file and for failing to comply with their reinvestigation duties under the Fair Credit Reporting Act ( FCRA ). 

Late payments are being reported on a XXXX account that has always been paid as agreed and on time. This account has never been 30 days late, and the negative payment history being reported is factually inaccurate. 

The disputed account information is as follows : Creditor : XXXX Equifax / TransUnion Account Number : XXXX Experian Account Number : XXXX Correct Status : Paid as agreed never late I submitted written disputes to all three credit bureaus on XX/XX/year>, clearly identifying the inaccuracies and demanding verification through actual furnisher documentation such as bank transaction records or proof of rejected payments. 

Despite receiving these lawful disputes, the inaccurate late payments continue to be reported. This demonstrates a failure to conduct a reasonable reinvestigation and a failure to ensure maximum possible accuracy as required by 15 U.S.C. 1681e ( b ) and 1681i ( a ).

Any delay or dismissal of my disputes based on assumptions of third-party assistance is unlawful. The FCRA does not permit credit bureaus to delay or disregard disputes, demand a power of attorney, or discriminate against consumers who receive assistance.

This inaccurate reporting has harmed my credit profile and exposed me to potential credit denials and higher interest rates.

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 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
that XXXX XXXX  is continuing foreclosure activity without legal standing, in disregard of recorded facts, active litigation, and clear defects in the alleged security interest. 

XXXX. No Security Deed Was Ever Executed by XXXX XXXX I, XXXX XXXX, have never signed : a Security Deed, a Deed to Secure Debt, a Note, or any loan instrument granting a power of sale. 

My only execution at closing was a XXXX Deed, which conveys ownership only and does not encumber title or XXXX foreclosure authority. 

As a matter of Georgia law, a party who does not execute a security deed does not convey any interest capable of foreclosure. Any attempt to foreclose against my ownership interest is void or voidable. 



XXXX. XXXX XXXX  Lacks Standing as a Matter of XXXX XXXX XXXX has failed to demonstrate : a valid assignment from a party with authority, a lawful transfer of a security deed executed by me, or any enforceable XXXX against my ownership interest. 

Further, the assignment relied upon by XXXX was executed after litigation commenced, and the related XXXX  XXXX  was inactive at the time of assignment. Such post-litigation activity strongly indicates an attempt to manufacture standing, which Georgia courts disfavor. 



XXXX. Continued Foreclosure Efforts Constitute Negligence and Bad Faith Despite having actual notice that : no security deed exists bearing my signature, standing is disputed, a quiet title action is pending, injunctive relief has been requested, XXXX XXXX continues to : pursue foreclosure activity, permit public advertising of the property, and submit filings that omit or mischaracterize these dispositive facts. 

Proceeding under these circumstances constitutes negligent servicing, reckless disregard of title defects, and bad-faith foreclosure conduct. 



XXXX. Altered or Post-Litigation Filings Raise Serious Concerns The submission of assignments and documents after litigation began, without curing the fundamental defect ( absence of my execution ), raises serious concerns regarding the accuracy and propriety of XXXX filings. 

Altering or supplementing the record does not retroactively create authority and I would like for XXXX to cease and Desist

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 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
that XXXX XXXX  is continuing foreclosure activity without legal standing, in disregard of recorded facts, active litigation, and clear defects in the alleged security interest. 

1. No Security Deed Was Ever Executed by XXXX XXXX I, XXXX XXXX, have never signed : a Security Deed, a Deed to Secure Debt, a Note, or any loan instrument granting a power of sale.

My only execution at closing was a Warranty Deed, which conveys ownership only and does not encumber title or grant foreclosure authority.

As a matter of Georgia law, a party who does not execute a security deed does not convey any interest capable of foreclosure. Any attempt to foreclose against my ownership interest is void or voidable. 



2. XXXX XXXX  Lacks Standing as a Matter of Law XXXX XXXX  has failed to demonstrate : a valid assignment from a party with authority, a lawful transfer of a security deed executed by me, or any enforceable XXXX against my ownership interest. 

Further, the assignment relied upon by XXXX was executed after litigation commenced, and the related XXXX XXXX was inactive at the time of assignment. Such post-litigation activity strongly indicates an attempt to manufacture standing, which Georgia courts disfavor.

3. Continued Foreclosure Efforts Constitute Negligence and Bad Faith Despite having actual notice that : no security deed exists bearing my signature, standing is disputed, a quiet title action is pending, injunctive relief has been requested, XXXX XXXX  continues to : pursue foreclosure activity, permit public advertising of the property, and submit filings that omit or mischaracterize these dispositive facts. 

Proceeding under these circumstances constitutes negligent servicing, reckless disregard of title defects, and bad-faith foreclosure conduct.

4. Altered or Post-Litigation Filings Raise Serious Concerns The submission of assignments and documents after litigation began, without curing the fundamental defect ( absence of my execution ), raises serious concerns regarding the accuracy and propriety of XXXX filings. 

Altering or supplementing the record does not retroactively create authority and I would like for XXXX to cease and Desist

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: VA

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

Company response to consumer: Closed with explanation