vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-23 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:
TransUnion is reporting a XXXX late payment for XX/XX/XXXX on my XXXX account. This is incorrect and needs to be corrected to reflect XXXX or paying as agreed. The account shows no past due balance, and the payment status is listed as current. There is no pattern of late payments before or after XX/XX/XXXX, and no supporting documentation of a valid delinquency. 

The account has been open since XX/XX/XXXX. I have already disputed this issue with TransUnion directly, and the XXXX late was not correcteddespite clear contradictions in the tradeline. This violates FCRA 611 ( a ), which requires a reasonable investigation of disputes, and 607 ( b ), which requires procedures to ensure maximum possible accuracy.

Under FCRA 623 ( a ) ( 1 ) ( A ), no information may be furnished to a credit reporting agency if the furnisher knows or should know it is inaccurate. TransUnions reporting of a XXXX late with no past due balance and a current payment status clearly fails that standard. 

I request a full reinvestigation and that the XX/XX/XXXX entry be corrected to show Paid or paying as agreed, as required under federal 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 non-monetary relief
Consumer complaint received 2025-06-23 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: VA

Complaint narrative:
This letter serves as a second formal notice regarding fraudulent accounts that remain on my credit file, despite my initial dispute dated XX/XX/year> and supporting documentation that I provided, including my Identity Theft Report ( FTC Complaint # XXXX ). These accounts were identified as the result of identity theft : Creditor : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Under 15 U.S.C. 1681c-2 ( FCRA Section 605B ), you were legally required to block and remove these fraudulent accounts from my credit report within XXXX ( XXXX ) business days of receiving my valid identity theft documentation. The failure to do so constitutes a violation of federal law.

Applicable Legal Requirements : 15 U.S.C. 1681c-2 ( a ) : Upon receiving appropriate proof of identity, a copy of an identity theft report, and a specific request, a credit reporting agency must block the reporting of information resulting from identity theft within XXXX business days.

15 U.S.C. 1681c-2 ( c ) : A CRA may not refuse to block fraudulent information except under narrowly defined circumstances ( e.g., material misrepresentation or fraud by the consumer, neither of which applies in my case ).

15 U.S.C. 1681i ( a ) : A CRA must conduct a reasonable reinvestigation and delete unverifiable or inaccurate information within 30 days of a dispute.

15 U.S.C. 1681e ( b ) : You are required to follow reasonable procedures to assure maximum possible accuracy of the information in consumer reports. Continuing to report fraudulent accounts after receiving identity theft documentation fails to meet this standard.

Final Demand : I hereby demand : 1. Immediate deletion and blocking of the above-listed fraudulent accounts from my credit file.

2. A written statement confirming deletion and blocking of these accounts.

3. An updated credit report reflecting these changes.

4. Confirmation that notices of correction have been sent to any entity that received my report within the past XXXX months, as required by 15 U.S.C. 1681i ( d ).

If I do not receive confirmation within XXXX business days, I will file additional complaints with the CFPB, FTC, State Attorney Generals Office, and consider legal action under 15 U.S.C. 1681n ( willful noncompliance ) and 1681o ( negligent noncompliance ), seeking damages as provided by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: MI

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-06-23 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: NY

Complaint narrative:
My Name is XXXX XXXX. my date of birth is XX/XX/year>. my social security number is XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXXXXXX 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 have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the 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 # 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.

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 2025-06-23 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: TX

Complaint narrative:
I have carefully reviewed my credit reports from the three major credit bureaus TransUnion, Experian, and Equifax and have identified several accounts that are inaccurately reported, outdated, or lack proper verification. These discrepancies are negatively affecting my credit profile and do not accurately reflect my credit history. 

Despite submitting disputes and attempting to address these concerns directly with the credit bureaus, I have not received appropriate validation, verification, or correction of the items in question. The issues Ive identified include : Multiple charge-off accounts listed without proper validation or supporting documentation Duplicate accounts appearing across different bureaus with inconsistent reporting statuses Accounts showing late or delinquent payments that were actually paid, settled, or currently in good standing Accounts that I do not recognize or authorize, which do not match my known credit activity Accounts marked as dispute resolved consumer disagrees without providing the documentation I requested I have submitted these disputes under my rights outlined in the Fair Credit Reporting Act ( FCRA ), but I have yet to receive a satisfactory resolution. These unverifiable and inaccurate accounts are preventing me from accessing essential financial opportunities, such as housing and auto financing. 

I respectfully request a thorough reinvestigation and the removal of any accounts that can not be properly verified in compliance with federal consumer protection laws.

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 2025-06-23 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 carefully reviewed my credit reports from the three major credit bureaus TransUnion, Experian, and Equifax and have identified several accounts that are inaccurately reported, outdated, or lack proper verification. These discrepancies are negatively affecting my credit profile and do not accurately reflect my credit history. 

Despite submitting disputes and attempting to address these concerns directly with the credit bureaus, I have not received appropriate validation, verification, or correction of the items in question. The issues Ive identified include : Multiple charge-off accounts listed without proper validation or supporting documentation Duplicate accounts appearing across different bureaus with inconsistent reporting statuses Accounts showing late or delinquent payments that were actually paid, settled, or currently in good standing Accounts that I do not recognize or authorize, which do not match my known credit activity Accounts marked as dispute resolved consumer disagrees without providing the documentation I requested I have submitted these disputes under my rights outlined in the Fair Credit Reporting Act ( FCRA ), but I have yet to receive a satisfactory resolution. These unverifiable and inaccurate accounts are preventing me from accessing essential financial opportunities, such as housing and auto financing. 

I respectfully request a thorough reinvestigation and the removal of any accounts that can not be properly verified in compliance with federal consumer protection laws.

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 2025-06-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: LA

Complaint narrative:
My mortgage servicer ( Carrington Mortgage Services , LLC : XXXX ID # XXXX ) mailed me a " VA Mortgage Assistance Notice '' in XXXX of XXXX. They stated that my loan was delinquent. My VA loan entitlement is going to be revoked. The mortgage is going to put in foreclosure. 

I immediately checked my records to confirm that I have copies of the USPS money orders that I mailed to the servicer, using USPS certified tracking. I also reviewed the monthly mortgage statements. Review of the those statements indicated the following : 1 ) Receipt of my payments ( on time ) 2 ) Posting the payments as " Unapplied Funds '' 3 ) Unpaid balance carried forward to the next monthly statement I contacted the servicer and was told that they will " submit a request for Escrow Analysis. I later realized that the Credit Bureau had been notified before the servicer performed due diligence to avoid any mistakes on their part ( which caused my score to drop from XXXX to XXXX ). I have since received another " VA Mortgage Assistance Notice. '' My greatest concern is with their payment processing : If they are not going to post the payment when received, and deliberately generate a past due balance ( reporting the false delinquency to the Credit Bureau ), why bother sending the payment to Carrington Mortgage Services , LLC?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: UT

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: OH

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit report all of which I did not initiate, authorize, or recognize. I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter. XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-06-23 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: VA

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-06-23 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:
My name is XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report.

Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional. 
This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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 have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company 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 2025-06-23 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: UT

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal 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 2025-06-23 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 transunion credit report and notice inquiries that are fraudulent. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
This is an SCRA complaint, MI XXXX currently stationed at XXXX XXXX XXXX XXXX in the State of Louisiana with the XXXX XXXX XXXX XXXX. I have been in the XXXX since XXXX of XXXX. I was advised by my commanding XXXX that I am eligible for a reduction in APR to 6 % in compliance with Louisiana Statute 29:312 C. The amount of any periodic payment due from a person, or spouse of a person, who is on XXXX XXXX under the terms of the obligation shall be reduced by the amount of the interest and finance charges forgiven under Subsection B of this Section that is allocable to the period for which the periodic payment is made.

F. A court may grant a creditor relief from the interest and finance charges limitation of this Section, if, in the opinion of the court, the ability of the person, or spouse of the person, on XXXX XXXX to pay interest or finance charges with respect to the obligation at a rate in excess of XXXX percent per annum is not materially affected by reason of the person 's service on XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX Referencing this stature can you please help get Navy federal to review my SCRA benefits and apply this credit reduction to my personal loan accounts . Thank you for your time and consideration.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
On the XXXX of XXXX Portfolio recovery company froze my bank accounts with XXXX XXXX XXXX XXXX which had my last {$15.00} in it between XXXX accounts. I was not notified by anyone until I seen it on my online banking I was told that this isn't the legal process. The XXXX XXXX XXXX showed up on the XXXX with paperwork dated the XXXX of XXXX. 
I need my bank account unfroze so I can take care of matters. 
Please help XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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:
XXXX Equifax TransUnion have plade incorrect information about my credit on their portal s. All information are incorrect false they have brought to me great loss for their incorrect false information about me on my credit information refuse to correct them

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 2025-06-23 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: PA

Complaint narrative:
My name is XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report. 
Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional. 
This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

Company response to consumer: Closed with non-monetary relief