vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-02 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:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center.

regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. 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 non-monetary relief
Consumer complaint received 2025-10-02 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: CA

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

I have reviewed my credit report and found inaccurate information. I request that you help me dispute these inaccurate information I have included in the letter I attach to this complaint. The letter contains my intention to investigate each items and how I would like them to conduct investigation and provide me proof how they look into these accounts in error listed on my credit report. I have also attached my credit report for your reference to investigate. I need them to delete and block these inaccurate accounts from reflecting on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Dovenmuehle Mortgage, Inc.
State: MN

Complaint narrative:
In XXXX the pipes in my entire house froze and burst. My mortgage company XXXX XXXX XXXX XXXX picked XXXX XXXX XXXX to be my home insurance carrier. I have been paying insurance since I bought my home in XXXX. Anyway, I informed the insurance company of the damage and after awhile they finally agreed to pay the plumbing contractor for the pipes. After they were finished they told me that would not fix the pipes in my tub or shows because the insurance company didnt pay them for that. So, I havent been able to bathe in my home since XXXX. Secondly, but most importantly there was major damage to my crawlspace because of the water leakage from my pipes. I informed the insurance company and XXXX loss/draft department of the damage, the insurance company handler of my claim XXXX XXXX told me to get estimates I would get the estimates and she told me she would reach out to me and I waited for months and finally called and was told the estimates were outdated. So, I had to get estimates AGAIN!!! This kept happening over and over, and I went got estimates again this year. XXXX denied the claim on the basis I was negligent when ALL I HAVE DONE WAS DO WHAT SHE TOLD ME TO DO and then waited on the insurance company to do their part. But they kept stalling me and now blame for being negligent I contacted XXXX and they told me there was NOTHING they could do despite the fact THEY picked that insurance company!!! So, I recently had a bronchial attack and was told I should stay away from the source of the mold that caused the attackMY HOME! So, basically, I can not live in the home I have been paying mortgage on 14 years. The house is falling apart one side of my house is leaning and tearing the inside of my home up. The ceilings, walls, doors, windows, foundation and nearly everything thing in the house is cracking or not working properly. I have never filed an insurance claim before this so I did not know what they were doing was out of normal procedures. I looked the insurance company up and found out this how poorly XXXX XXXX company claims are handled. All I know is I did my part as claimant and they stalled and stalled now they are blaming the damages on me! My mortgage company is not helping!!! I am XXXX and XXXX and work part time I cant afford or am able to anything, but I wouldnt be in this position if the company had done their job!!! I need help with resolving this problem or I will be homeless!! After, denying my claim XXXX blocked communication with me and I am thinking of suing XXXX XXXX XXXX and XXXX XXXX, but that is going to take awhile and I CAN NOT live in the home I am paying for. I want a speedy resolution that will cover all the damages to my house from the burst water pipes and to be able bathe in my own home.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: CA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : XXXXXXXX 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 2025-10-02 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 am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} INQUIRIES : XXXX XX/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 explanation
Consumer complaint received 2025-10-02 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: SC

Complaint narrative:
I am issuing this formal and final demand for the immediate deletion of all fraudulent and unauthorized accounts, inquiries, and public records from my credit file. These items are the result of identity theft, and I have never consented to or opened the accounts in question. This matter has been reported to the Federal Trade Commission, and I have attached my Identity Theft Report as required by law. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and REMOVE all fraudulent information within FOUR ( 4 ) BUSINESS DAYS of receiving this notice and the supporting documents.Any delay, negligence, or continued reporting of this false information will be treated as willful noncompliance and a blatant violation of federal law. Be advised that I will pursue legal action under FCRA 616 and 617 for damages and statutory penalties.This is your final warning. Remove all fraudulent data immediately or face the legal consequences.

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 2025-10-02 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: OH

Complaint narrative:
I am disputing derogatory information on my credit report as a data breach and factual inaccuracy. Credit bureau is reporting the following accounts incorrectly : Inaccurate Late XXXX XXXX XXXX XXXXXXXX {$0.00} Derogatory AccountXXXX XXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX  XXXX XXXX {$430.00} XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$470.00} XXXXXXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  XXXX {$560.00} XXXX XXXX XXXX XXXXXXXX {$22000.00} XXXX XXXX XXXXXXXX {$0.00XXXX XXXX XXXX XXXXXXXX {$0.00}

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 2025-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/XXXX A transaction was Authorized through my account with Truist that I did not authorize it.The total amount was {$1600.00}. Truist fraud team investigated this and sent me a letter stating that they had determined that the transaction was initiated by me. Because the Merchant had provided proof that I had made those transactions. So I contacted them and ask for them to email me the proof that the merchant provided. The proof they had listed was the merchant provided my email and zip codes. That is public information. The IP address does not match my home address. This is not a real 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 2025-10-02 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: OH

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 XXXXXX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$890.00} XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

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 2025-10-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-10-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Healthcare Finance Direct LLC.
State: AZ

Complaint narrative:
In XX/XX/year>, I purchased clear aligners for my teeth from XXXX and financed the treatment through Healthcare Finance Direct. I never received the full set of alignersapproximately five were missing. I promptly reported the issue to XXXX, but before it could be resolved, the company filed for Chapter XXXX bankruptcy and ceased operations. 

Because XXXX closed, I was unable to communicate further with them and instead contacted Healthcare Finance Direct on multiple occasions to explain that I had not received the complete treatment. I later received a partial refund of {$89.00} from the Attorney Generals Office out of the total {$1600.00} paid.

Despite this, the remaining balance has now been sent to XXXX for collections, and I am being asked to pay for services I never received. I am filing this complaint to request resolution and protection from being held financially responsible for incomplete care.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: NH

Complaint narrative:
I want to emphasize that this complaint is not a mistake. My credit report contains inaccuracies that compromise its accuracy and integrity, and these errors continue to weigh heavily on me. They have caused ongoing negative effects on both my financial standing and my peace of mind, which is unacceptable. Especially during these challenging times, it is deeply frustrating and discouraging to see such inaccuracies persist, and they must be corrected without further delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am formally disputing the inaccurate personal information currently appearing on my credit file. Specifically, I have never legally gone by the listed aliases, nor do I currently or previously reside at the reported addresses. 

The inclusion of these erroneous names and addresses violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to ensure the maximum possible accuracy of the information they report. This misinformation creates a significant risk of identity confusion and negatively impacts my ability to obtain credit under fair and accurate conditions. 

The presence of these inaccurate entries also raises concerns regarding data mishandling, particularly in the wake of recent national data breaches. Despite prior attempts to correct this information, the inaccurate aliases and addresses remain on my file, even though they have no connection to me.

I am requesting immediate removal of these erroneous aliases and addresses. If the credit reporting agency believes this information is valid, I demand sufficient legal documentation directly linking me to these names and addresses. Otherwise, they must be deleted from my credit report without delay. 

Finally, I request written confirmation once the correction has been made, along with an updated copy of my credit report reflecting the accurate 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 explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-10-02 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: OH

Complaint narrative:
I am submitting this rebuttal to TransUnions response, because their investigation results are false, misleading, and in violation of the Fair Credit Reporting Act ( FCRA ). 

Key Facts : The furnisher, XXXX XXXX, issued aXXXX XXXX XXXX Automated Universal Dataform ) instructing TransUnion to DELETE the disputed tradeline from my credit report. 
Despite this, TransUnions response in the CFPB portal states : XXXX XXXX Verified as Accurate and Updated. 
This is impossible. A furnisher can not both verify and delete the same tradeline. TransUnions statement is inconsistent with the furnishers own deletion instruction and therefore inaccurate.

Violations of the FCRA : 1. 15 U.S.C. 1681e ( b ) TransUnion must follow reasonable procedures to assure maximum possible accuracy of credit report information. Reporting a tradeline as verified after the furnisher instructed deletion is inaccurate and a direct violation.

2. 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) When a furnisher notifies a CRA that disputed information is inaccurate or should be deleted, the CRA must promptly delete that information. TransUnion failed to delete despite receiving the AUD.

3. 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) If information is reinserted into a consumer file after being deleted, the CRA must provide the consumer with written reinsertion notice within 5 business days. No such notice was provided, which constitutes another violation.

4. 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) The results of a reinvestigation must be accurate and must include a notice that the reinvestigation is complete and a description of the procedure used. By claiming verified as accurate, when deletion was already ordered, TransUnion has issued a false and misleading reinvestigation result.

Relief Requested : Immediate permanent deletion of the XXXX XXXX tradeline from my TransUnion credit report. 
Full compliance with FCRA 611 ( a ) ( 5 ) and 611 ( a ) ( 6 ), including providing all records of communications with the furnisher relating to this dispute.

Regulatory review of TransUnions repeated practice of issuing verified responses on accounts already resolved by furnisher deletion instructions. 

Evidence Attached : Copy of the XXXX XXXXXXXX XXXX instructing deletion.

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 2025-10-02 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX 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, Balance : {$720.00} XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$830.00} XXXXXXXX XXXX XXXX XXXX Account Number : XXXX, Date Opened : XXXX, Balance : {$860.00} XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$1000.00} XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$400.00} XXXX XXXX XXXX  - Account Number : XXXX, Date Opened : XXXX, Balance : {$1000.00} XXXX XXXX XXXX  - Account Number : XXXX, Date Opened : XXXX, Balance : {$400.00} XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$0.00} XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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