vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-03 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: NJ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

INQUIRIES : XXXX XX/XX/year>

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 2025-08-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Tsarouhis Law Group, LLC
State: PA

Complaint narrative:
This company has followed a lawsuit while violating the FDCPA act as other debt collections agencies had subsequently contacted for the same debt. They also bought a lawsuit outside of the statute of limitations of Pennsylvania which is XXXX years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I submitted a dispute on XX/XX/year> for a XXXX credit card and it was resolved quickly and efficiently. 

However, a secondary dispute was submitted to remove my XXXX XXXX cards as well, which I did not report or dispute causing me to loose access to both of my credit cards with the company due to suspected fraud. 

Equifax mentioned on XX/XX/year> that their document verification team misread my information from the FTC report ( which mentioned that XXXX XXXX 's credit service, known as XXXX was used to notice the initial XXXX fraud ) to mean that XXXX  XXXX was also fraudulent, even though that information was not included directly in the report nor did I ever submit a dispute for the XXXX XXXX XXXX cards, as well as in the FTC report it is clearly stated that the XXXX  account is legitamate. 

This information is now showing as missing on all XXXX agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My information is being shared on the web improperly my background and old addresses and past arrest that has been thrown out of court. It has put a lot of strain in my life and I have a stalker and they can track every place I been by simply typing my name and age in these search engines. I have never consented to sharing my personal information. 

XXXX XXXX XXXX XXXX XXXX XXXX  Several Broker companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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 2025-08-03 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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2025-08-03 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: OK

Complaint narrative:
IVE MADE NO CHANGES IN CREDIT HISTORY BUT MY CREDIT IS ON A ROLLER COASTER RIDE WITHOUT ANY CHANGES. FICO DONT CHANGE AT ALL UNLESS I PAY FOR IT BUT EVEN TBEN IT STAYS THE SAME OR HAVE DROPPED WITHOUT ANY CHANGES.

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 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am submitting this complaint to request immediate compliance with my rights under the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws. I am formally requesting that XXXX : Provide a Full Consumer Disclosure Report This includes all information in my file, including archived, suppressed, and secondary database records, as well as the source and method of verification for each item reported. 

Provide Documentation of Original Contracts For each account listed on my file, I am requesting copies of any original, signed Master Promissory Notes or legally binding agreements from each furnisher. If such documentation can not be produced, the account must be deleted as unverifiable. 

Remove Any Inaccurate, Duplicate, or Unverifiable Accounts XXXX is obligated to ensure maximum possible accuracy under FCRA 602 ( A ) and to promptly delete any information that can not be verified under FCRA 1681i ( a ). 

I am also placing XXXX  on legal notice that if this request is not fulfilled within a reasonable time, I will escalate this matter by filing complaints with the XXXX XXXX XXXX XXXX XXXX  ) and the Federal Trade Commission ( FTC ). 

This complaint seeks immediate compliance, transparency, and the lawful removal of any unverifiable or frivolous accounts from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: DE

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-08-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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 2025-08-03 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: MD

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the 15-day timeframe required by law. This lack of response is a clear violation of my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I own a Costco CITI card. I have a standing auto pay instruction to withdraw my statement balance every month. I logged on to their website to adjust my payment method to withdraw from a different checking account, and their website clarified that the payment will happen from my new account while explaining it will withdraw {$0.00} from the old account number. However, on the day of payment they attempted to withdraw the entire statement balance twice from both the accounts, with one defaulting. This resulted in a return check fee and they refused to refund this despite this being their own system fault.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing this complaint due to a serious data breach involving my personal information with XXXX XXXX XXXX XXXX  / Experian ]. My sensitive data has been exposed on the XXXX XXXX, which is a direct result of the companys failure to safeguard my information as required by law. Because of this negligence, I demand that my credit report be corrected or fully removed ( sponged ) until my information can be secured and verified. I expect CFPB to intervene and ensure the credit bureau complies with their legal obligations under the Fair Credit Reporting Act. Please assist in resolving this issue promptly and hold the bureau accountable for the breach.

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 2025-08-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
This is my XXXX  complaint about Freedom Mortgage an habitual offender that you have sued XXXX XXXX XXXX times and the last time was after my first XXXX complaints when you refused to assist. The government won XXXX XXXX for the same laws they continue to break and foreclosed on me for. Making up more rules for them NOT to follow so you can turn around and sued them for while only Enforcing whatever you feel like Enforcing is unjust enrichment off the backs of the people you claim to protect. They fabricated default from XXXX forebearance and would not let me leave unless I agreed to extortion and XXXX added to thr principle of my loan with no assignment, multiple breaks in chain, fraud throughout. Ended up with XXXX added to credit report along with debt being tied to XXXX XXXX XXXX daughters name as well and being evicted by XXXX for a defective and fraudulent XXXX. Evidence of all the fraud from their own paperwork they cant deny in a non judicial state with no due process and no attorneys willing to take cases of fraud against banks acting as courts. I was named as veteran on application by XXXX XXXX and XXXX sheet states XXXX increase from payoff to start loan plus XXXX for taxes and XXXX for XXXX XXXX to proceed with a broken chain of title to finance XXXX. Increase in all XXXX and closed on the phone while they sent me only blank copies. Its a renewal, not purchase money, and I have the original promissory note with blue ink signature and XXXX endorsement releases by MERS alone granted to me alone. XXXX is hiding bifurcation and cant even do that well not that it should be assigning or releasing anything according to their own manual and Supreme Court and multiple others. CFPB and non judicial state of XXXX are profiting from the broken laws while th

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 2025-08-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 XXXX. 

15 U.S.C XXXX section XXXX A. States I have the right to privacy. 

15 U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C XXXX. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. XXXX ( A ) ( XXXX ) 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 explanation
Consumer complaint received 2025-08-03 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: EQUIFAX, INC.
State: GA

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 XXXX. 

15 U.S.C XXXX section XXXX A. States I have the right to privacy. 

15 U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C XXXX. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. XXXX ( A ) ( XXXX ) 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 2025-08-03 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: MD

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 explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LJ Ross Associates
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XX/XX/year> Subject : Cease and Desist Demand To Whom It May Concern : This letter serves as a formal demand that you immediately cease and desist from the following activity : continued harassment through electronic messages, defamatory statements made to third parties, and unauthorized use of copyrighted material. 

Your actions are unwarranted, inappropriate. These actions have caused, and continue to cause, harm to my personal, professional, or legal rights. 

You are hereby instructed to cease and desist all such actions immediately. Should you fail to comply with this demand, I reserve the right to pursue all available legal remedies, including but not limited to injunctive relief, monetary damages, and recovery of attorneys fees and court costs. 

This letter constitutes your final warning to discontinue your unlawful behavior. A copy of this correspondence will be retained for legal purposes. If the offending behavior does not stop within 10 days of the date of this letter, legal action may be initiated without further notice. 

Sincerely, XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XX/XX/year> Subject : Cease and Desist Demand To Whom It May Concern : This letter serves as a formal demand that you immediately cease and desist from the following activity : continued harassment through electronic messages, defamatory statements made to third parties, and unauthorized use of copyrighted material. 

Your actions are unwarranted, inappropriate. These actions have caused, and continue to cause, harm to my personal, professional, or legal rights. 

You are hereby instructed to cease and desist all such actions immediately. Should you fail to comply with this demand, I reserve the right to pursue all available legal remedies, including but not limited to injunctive relief, monetary damages, and recovery of attorneys fees and court costs. 

This letter constitutes your final warning to discontinue your unlawful behavior. A copy of this correspondence will be retained for legal purposes. If the offending behavior does not stop within 10 days of the date of this letter, legal action may be initiated without further notice. 

Sincerely, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 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: TX

Complaint narrative:
Equifax there is the CFPB response to delete the XXXX XXXX XXXX  that you refuse to do that constitutes fraud of your part it clearly state delete trade line I don't need your letter that states you contacted furnisher so I will also request who did the investigation { name } when it was done time date, who did you talk to what was said complete copy of your investigation You are not above the law to keep breaking it litigation may be coming your way for fraud if this account is not removed as per CFPB response. Respond through the CFPB

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: RI

Complaint narrative:
Account : Capital One XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have received a copy on my consumer reports and I notice you have furnished transactions on my consumer report that is excluded by law as per the FCRA 15 USC 1681a 2Ai.

Company response to consumer: Closed with explanation