vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-09 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 disputed accounts with TransUnion that I believe are inaccurate or can not be substantiated. TransUnion failed to remove these accounts within the time allowed by the Fair Credit Reporting Act ( FCRA ) and has continued to report them without sufficient proof of their accuracy. This failure has caused ongoing harm to my credit profile.

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 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TransUnion is currently reporting a Chapter 7 Bankruptcy under XXXX XXXX XXXX, which is inaccurate and damaging to my credit history. This entry is either being reported in error, is outdated beyond the legal reporting period, or lacks proper verification. Bankruptcy is one of the most serious derogatory marks that can appear on a credit report, and when it is reported incorrectly or without substantiated evidence, it constitutes a severe violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Under 15 U.S.C. 1681e ( b ), TransUnion is required to follow reasonable procedures to assure maximum possible accuracy in the information it reports. Maintaining a bankruptcy record that is either inaccurate, unverifiable, or beyond the allowable reporting period fails that legal standard. Furthermore, when I disputed this entry, TransUnion responded with a generic verified statement, without producing the original court records, docket information, or certified documentation from the bankruptcy court proving the filing and disposition. This constitutes a violation of 15 U.S.C. 1681i ( a ), which mandates a reasonable reinvestigation of disputed items. 

Simply relying on a third-party data vendor or an outdated public record database does not meet the standard of a reasonable reinvestigation. If TransUnion can not directly confirm the accuracy of this bankruptcy with the court that allegedly issued itand provide me with the certified records proving its legitimacythen it has no lawful basis to continue reporting it. The current approach places the burden on me to disprove a damaging and highly stigmatizing record that TransUnion has no concrete evidence to support. 

The presence of this bankruptcy on my credit report has caused substantial and ongoing harm. Lenders view this as a major derogatory event, resulting in credit denials, inflated interest rates, and reputational damage. The emotional and financial consequences of having a bankruptcy inaccurately tied to my name are severe and unjustified, especially when there is no proof of its validity.

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 2025-08-08 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:
The addresses on my credit report are incorrect. Ive attached my documents for verification and request these addresses be removed immediately.

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 2025-08-09 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: MS

Complaint narrative:
MORE FRAUDULENT ACCOUNTS ARE BEING REPORTING ON MY ACCOUNT. THERE IS AN INQUIRY FROM XXXX XXXX THAT DOES NOT BELONG TO ME THAT NEEDS TO BE REMOVED. TWO CREDIT CARDS FROM XXXX  XXXX XXXX  THAT DOES NOT BELONG TO ME ALSO NEEDS TO BE REMOVED. THE CARDS ARE SHOWING CLOSED BUT THEY ARE STILL REPORTING PAYMENT HISTORY. THE PAYMENT HISTORY REPORTING NEEDS TO STOP. NO INFORMATION FROM XXXX  XXXX XXXX  SHOULD BE REPORTING ON MY CREDIT REPORTS. I HAVE 2 CURRENT AND ACTIVE CREDIT CARDS THAT I HAVE PAID OFF THE BALANCE AND THE BALANCES NEED TO BE CORRECTED ON MY CREDIT REPORT FOR XXXX XXXX AND XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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: PA

Complaint narrative:
Good day, I'm Sending this complaint, regarding to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I'm thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to remove the listed itemswithin the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remaining showing on my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$4600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$740.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXXXXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1300.00} XXXXXXXX XXXX Original Creditor XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2300.00} XXXX XXXX Original Creditor XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX Balance : {$3000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: EQUIFAX, INC.

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: MD

Complaint narrative:
I believe these accounts were fraudulently opened and are not tied to me. I ask for their swift removal and a comprehensive inquiry. Documentation is included.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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: FL

Complaint narrative:
I am writing to formally request the blocking of fraudulent accounts that have been reported on my credit file. This request is being made under the Fair Credit Reporting Act ( FCRA ), Section 605B ( 15 U.S. Code 1681c-2 ), which requires credit reporting agencies to block such information upon proper notice and documentation. The following fraudulent account was opened without my knowledge or authorization : XXXX, NUMBER XXXX, opened on XXXX. The fraudulent hard inquiries are : 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. 
As required by law, I am including the following documentation : 1. A valid Identity Theft Report filed with the Federal Trade Commission ( FTC ) 2. A copy of my government-issued ID and SSN. 3. Proof of my current address. All documentation has been included with this dispute to fully verify my identity and address. No further confirmation should be required. Please be advised that I am not working with any third party or credit repair agency. This dispute and all accompanying documents were prepared and submitted by me, the consumer, directly. This is not a mistake, and I am fully aware of the contents and purpose of this request. I am asserting my rights under FCRA 605B as a consumer and a victim of identity theft. I am requesting that these fraudulent accounts be blocked from my file in accordance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
To Whom It May Concern, I am submitting this complaint against Ally Credit Card Services regarding inaccurate credit reporting and mishandling of my account, which I believe violates provisions of the Fair Credit Reporting Act ( FCRA ) and may also fall under the Fair Debt Collection Practices Act ( FDCPA ). 

Background : On XX/XX/XXXX ( phone ). XX/XX/XXXX ( secured email ), and XX/XX/XXXX ( secured email ), I contacted Ally to notify them of my extreme financial hardship due to ongoing medical and mental health conditions. I am awaiting a Social Security Disability Insurance ( SSDI ) determination, which will not finalize until next year, and I rely on limited family assistance for essential expenses, including my mortgage and vehicle payments. 

During this communication, I offered a settlement of up to 20 % of the outstanding balance to prevent the account from defaulting, which would have benefited both parties. I also disclosed that I had a XXXX XXXX  bankruptcy XXXX nearly XXXX years ago, which did not include this Ally account. 

Issue : Within a week of my communication, Ally closed my account and falsely reported it as Closed due to Bankruptcy. This statement is factually inaccurate and damaging. 

This account was never part of my bankruptcy filing and my XXXX XXXX  case was nearly XXXX  years ago, in XXXX 

The mislabeling has caused immediate harm to my credit profile, undermining nearly XXXX years of rebuilding efforts. 

Ally has failed to correct the error despite my attempts to address it directly. 

Potential Violations : FCRA ( 15 U.S.C. 1681s-2 ) Furnishers of credit information are required to report accurately and correct known errors promptly.

FDCPA ( 15 U.S.C. 1692e ( 8 ) ) Prohibits the communication of false credit information to third parties. 

Impact : This misreporting has lowered my credit score and may hinder my ability to secure affordable housing, insurance, or credit. It has also caused significant stress during a time of medical and financial instability.

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 2025-08-08 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: PA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-08-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Freedom Mortgage Company
State: VA

Complaint narrative:
I started a request for a refinance with cash out with my current lender this morning. I got a call pretty quickly from XXXX who stated he just needed to gather some information. I told him how much we were looking for, which was {$80000.00}. Right up front, I told him what we wanted- That we were looking to do some renovations on our current house. I told him that I believed our house would appraise between XXXX and XXXX He then asked for permission to run a mortgage inquiry. I asked if this would impact my credit, and he gave a round about answer and said that he is not a credit officer or something like that. I asked if this was like a soft pull and he said it was a mortgage inquiry that was required to move forward. He only asked for my last 4 of my social. Then he proceeded to ask question about bankruptcies, other credit applications, foreclosures etc. He then went through and said that with our home value at XXXX and our current loan balance, which he could see from the very beginning, that we could only get XXXX potentially. And then asked if I wanted to move forward. Immediately, I felt like the company failed to notify me of this before running a credit pull. He knew from the first five minutes on how much I wanted, how much we owed, and the home value. He clearly deceived me and mislead me to pull a credit check without giving me the facts upfront. He asked about my husbands income and my income. At the end, he refused to provide us with an email outlining the entire loan. To the point that my husband had to step in because he refused to provide us with what he was verbally telling us. We asked multiple time to have it emailed and the person refused to do so- he said per compliance, the offer is only good for 3 days. Again clearly trying to push us into something we were not conformatble with. So my husband told the person to forget about my application and close our request. Then moments later, my husband got notification that a loan application was in process on our mortgage portal and that they ran his credit WITHOUT his permission. Not once did the guy ask to put my husband on the phone. Not once was it ever indicated, implied or directly asked if it was okay to run his credit. My goal was to do this entire refinance in my name solely. My husband has asked to speak with his supervisor and they have failed to respond to his request. This is absolutely an untrustworthy, shady, unprofessional company who clearly likes to operate unethically. If there is any way to file for punitive damages, I absolutely plan to.

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 2025-08-09 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: MI

Complaint narrative:
Upon reviewing My Consumer Reports, I discovered some late payments on an account that I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : XXXX, XXXX XXXX * XXXX. I am asking for a thorough investigation into these inaccuracies as they hurt the credit report and urge there to be evidence provided, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations in a timely manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Given my consistent payment history, this late mark is erroneous and misrepresents my record. Please correct it and update my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am filing this complaint against TransUnion for refusing to conduct a proper investigation into my credit report dispute, in direct violation of the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/year>, I personally mailed a formal dispute letter to TransUnion. In that letter, I disputed the following : Inaccurate reporting of negative accounts on my credit report Inaccurate personal information listed on my credit report Unauthorized and unknown inquiries appearing on my credit report A bankruptcy entry that is reporting with discrepancies and inaccurate information To ensure that TransUnion could verify my identity and begin the reinvestigation process, I included : A copy of my proof of address A copy of my drivers license A copy of my Social Security card Despite providing all necessary documentation, I received a response from TransUnion stating : We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. 
This statement is false and misleading, as I personally mailed the dispute letter myself and no one else was authorized to do so on my behalf. TransUnions refusal to investigate despite receiving a legitimate dispute and valid proof of identity is a clear violation of FCRA Sections 611 ( a ) and 623 ( b ), which require credit reporting agencies to conduct a reasonable reinvestigation when a consumer disputes information in their 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 2025-08-09 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: TX

Complaint narrative:
Bank errors in billing and reporting are negatively impacting my credit standing. Under the Truth in Lending Act ( 15 U.S.C. 1666 ( b ) ), creditors are required to accurately record all payments and credits. However, the following violations have occurred : Payments I made were not properly credited to my account.

Clear calculation errors appear in the reported balances.

I was not provided the legally required 21-day notice before a payment was due, rendering any late payment marks invalid. 

These inaccuracies are in direct violation of federal law and have caused unjust harm to my credit profile.

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 2025-08-09 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: NY

Complaint narrative:
Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and fairness of credit reporting. Also, in XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX 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 explanation
Consumer complaint received 2025-08-08 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: VA

Complaint narrative:
I sent cease and assist letter and asked for original documents from the debt that was brought

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