vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing in reference to a collection account that is inaccurately being reported under my credit profile. After carefully reviewing my records, I can confirm that this account does not belong to me. I have never opened or maintained an account with the company in question, nor was I ever contacted about such a debt.

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 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Accounts XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX, XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, XXXX XXXX  XXXX, and XXXX XXXX  have all violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2025-07-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Shellpoint Partners, LLC
State: IN

Complaint narrative:
NewRez Mortgage, The contract was in another last name XXXX XXXX and I got divorced in XXXX and my last name went back to XXXX then. they used an old XXXX contract out dated and out of status of limitation to collect on. When my last name was changed they did not send out another contract to my home in XXXX Indiana it was in another last name this happened XX/XX/XXXX. My ex husband was never on my home just my name. I had mold in the house for 5 years and progressive insurance did nothing that affected my health and killed my dogs as well. XXXX XXXX is what this is and the owner of the mortgage company that I had finance the house passed a few months ago and the judge closed his business down for XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I'd like to let you know that there are items on my credit report that have resulted from fraud to which I never benefited from. I am in complete disbelief, as a XXXX XXXX this is incredibly insulting to have my rights as a consumer violated. I need you to prevent further harm and fraud to my personal information by having all these fraudulent transactions and account removed from my credit report now. I expect this to be resolved immediately. It would be a big help to lessen the tremendous XXXX  and stress it's causing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
XXXX. In my capacity as XXXX of a XXXX XXXX, I sent an Intl wire sent XX/XX/year>, in the amount of {$18000.00} to a beneficiary overseas. 
XXXX. On XX/XX/year>, account was credited back {$17000.00}, which is {$730.00} short from original amount. Account holder was not informed about this credit back to the account. 
XXXX. In the meanwhile, beneficiary kept on checking with beneficiary bank if wire has been received. 
XXXX. Account holder together with intended beneficiary requested beneficiary bank on XX/XX/year> to start a trace of the wire sent on XX/XX/year>. Beneficiary bank sends an email to account holder stating that several inquiries with banks wire department informs no such wire have been received and advised remitter to follow-up with account holders bank. 
XXXX. On XX/XX/XXXX, account holders bank send a letter by email informing that funds from the wire were returned on XX/XX/year> for {$17000.00}, due to invalid beneficiary account number. This begs the question how can originating bank claim invalid beneficiary account number if the same wire was not sent out to beneficiary bank, the bank who can check if account number is indeed invalid. Account holder asked originating bank to prove that indeed the wire went out. Originating bank stood by contents of their letter, nothing was heard from them anymore. Branch manager informs the discrepancy was from currency exchange rate, no further explanation was received thereafter. 
XXXX. Not wanting to give up on the {$73000.00} discrepancy, tried once more and communicated again with beneficiary bank to check again with their remittance/wire department if there was any communication from originating bank whatsoever from XX/XX/year> onwards to XX/XX/year>. Beneficiary bank writes a letter addressed to remitter confirming that their remittance/wire department confirms there were no matching records of wire/remittance in question, whatsoever. Beneficiary bank further advised again in their letter to get in touch with the originating bank for the wire that was sent by account holder. Letter further states that the account number the remitter used to send the wire is indeed the correct account number of the wire account holder beneficiary. 
XXXX. Somehow both the remitter/account holder and the wire beneficiary account holder, together with confirmation of the beneficiary bank, believe that the wire was never sent out by the originating bank. Thus no wire international transfer happened, nor was there any service performed by the originating bank. Such being the case, there should not be any shorted funds from the original amount sent by the remitter. {$730.00} is too huge of a discrepancy for service not performed!

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 2025-07-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I need you to look into the mistakes on my credit report immediately. These inaccuracies have been stressing me out and its affecting everything. It is disheartening to know that my rights as a consumer is being violated. I value my credit a lot the same as everyone else 's and the inaccuracies in my credit report has negatively affected both my financial opportunities as well as my mental health. Make sure all this information is 100 % correct. I want this resolved as soon as possible because I dont want to wait for any more damage to be done.

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 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I submitted all documents required under FCRA Section 605B to Equifax and TransUnion, including a police report, FTC Identity Theft Affidavit, copy of ID, and utility bill. I identified the fraudulent account XXXX XXXX, yet Equifax refuses to block it. They claimed my new dispute was frivolous and that I had not submitted new relevant information. However, I am not required to submit additional information if all required documentation has already been provided. Equifax has not presented any evidence showing that this account belongs to me. I am requesting immediate enforcement to compel Equifax to comply with the law and block this account. 

Despite receiving all required documentation, TransUnion has refused to block the account, citing irrelevant reasons such as a history of prior payments or disputesnone of which override a valid identity theft report under federal law. This is a direct violation of the FCRA. XXXX XXXX has not provided any documentation linking the account to me. I request immediate enforcement action to compel TransUnion to comply with Section 605B and block the fraudulent account.

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 2025-07-01 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: FL

Complaint narrative:
Account : XXXX XXXX Acct # Ending : XXXX Opened : XX/XX/XXXX Charged Off : Status shows {$22000.00} written off, but still reporting {$3600.00} past due Last Payment : XX/XX/XXXX Balance Date : XX/XX/XXXX Summary of Violations : I am demanding immediate deletion of this account due to blatant violations of the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. This account was previously disputed, yet it remains on my credit report verified without any documentation, which is a willful violation of federal law.

FCRA 609 ( a ) ( 1 ) No proof of liability, no signed contract, no original billing statements were provided. You can not verify what you can not validate.

FCRA 611 ( a ) My dispute was not properly reinvestigated. This account was marked verified without correcting the conflicting and inaccurate data.

FCRA 1681s-2 ( b ) Reporting this account as BOTH charged off and past due is legally inaccurate and misleading. Once charged off, there can be no past due balance remaining unless re-aged fraudulently.

Metro 2 Guidelines CO ( charge-off ) was marked repeatedly from XX/XX/XXXX to XX/XX/XXXX. That is a direct violation. A charge-off can only be reported ONCE not monthly.

Dispute Notation Missing Despite submitting a dispute, this account fails to reflect the mandatory Account in Dispute label. This is noncompliant with FCRA, Metro 2, and e-Oscar standards. 

Re-Aging Red Flag The account reflects a charge-off in XXXX, despite the last payment being made in XXXX, which indicates illegal re-aging to extend the 7-year reporting period.

What I Am Demanding : Permanent deletion of this account from all consumer reporting agencies ( Experian, TransUnion, Equifax, XXXX ). 

A formal response explaining how this account was verified without fulfilling any FCRA obligations.

A written statement confirming the date of first delinquency and a complete investigation log.

An immediate cease and desist of all inaccurate data furnishing.

Any continued reporting of this unverifiable tradeline will be seen as willful noncompliance under FCRA 1681n, which entitles me to damages up to {$1000.00} per violation, plus punitive damages and legal fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15
U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15
U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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