vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-27 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:
The consumer reporting agency has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ) 609 by not properly verifying the accuracy and completeness of the information contained in my credit file. I have exercised my right to request full reinvestigation of every item in my report, yet the bureau has either not provided adequate verification or continues to report unverified information. This constitutes a violation of my rights under federal law and raises serious concerns about the integrity and accuracy of my consumer report.

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 2025-08-27 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 a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : UNAUTHORIZED INQUIRIES : XXXX 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 2025-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Gurstel Law Firm, P.C.
State: CA

Complaint narrative:
Approximately XXXX years ago, I discovered that I was a victim of identity theft. An unknown individual used my personal information to obtain a personal loan from XXXX XXXX, XXXX. I immediately filed an identity theft report and submitted copies to XXXX XXXX  and to all major credit bureaus. After reviewing my case, all three credit bureaus removed the fraudulent account from my credit reports. 

About a year ago, I was served with a summons from Gurstel Law Firm, P.CXXXX, demanding payment of {$43000.00} on behalf of XXXX XXXX XXXX, who had apparently purchased the fraudulent loan from XXXX XXXX. 

For the past XXXX months, I have repeatedly requested a fraud package from Gurstel Law Firm, both personally and through a company I hired to help resolve this matter. Neither I nor the company I retained has received any response from them. 

Because I did not open this account, authorize it, or receive any benefit from it, I dispute the validity of this debt in its entirety. To further protect myself, I had reported this matter to local authorities as an instance of identity theft and fraudulent debt collection. 

I respectfully request protection and acknowledgment of my victim status in this matter. 

Thank you for your attention and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Credit Services Inc.
State: TX

Complaint narrative:
The debt company never provided me legal correspondence or gave me the option to dispute this debt!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: TN

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-08-27 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: GA

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: MD

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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: GA

Complaint narrative:
I am writing this not only as a consumer but as someone who has faced a truly difficult and life-changing season. I respectfully ask for a compassionate and fair review of the negative payment history being reported on several accounts that reflect my financial journey during and after the XXXX pandemic. 

Like many Americans, the pandemic turned my world upside down. I lost work, cared for sick family members, and struggled to keep up with all my responsibilitiesincluding my financial obligations. Although I was not perfect, I did my best. I communicated with my lenders and arranged payment accommodations wherever possible. I never let any account go into default. 

The accounts listed below show a history of late payments, especially during the pandemic and the months following. I believe some of these late payments may have been inaccurately reported, especially considering the accommodations I requested and attempted to comply with : XXXX XXXX  : Account opened XX/XX/XXXX, balance {$2200.00}, with multiple 30-day and 60-day late payments from XX/XX/XXXX through XX/XX/XXXX. 

XXXX  XXXX : XXXX accounts opened XX/XX/XXXX, and XX/XX/XXXX, balances {$1000.00} and {$1400.00} respectively, showing late payments throughout XXXX, XXXX, and into XXXX. 

XXXX XXXX XXXX : XXXX accounts opened XX/XX/XXXX, and XX/XX/XXXX, balances {$490.00} and {$780.00}, with late payments spanning from XXXX through XXXX. 

Additional accounts with XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and others showing similar late payment patterns. 

Under the CARES Act of XXXX, if I complied with any forbearance or deferral accommodations granted by these creditors, my accounts should not have been reported as delinquent during that period. The law requires creditors to report accounts as current when accommodations are in place and followed. 

Furthermore, under FCRA 623 ( a ) ( 2 ), creditors have a legal duty to correct and update any inaccurate information promptly. If the late payments reflect errors or failure to apply accommodations, those inaccuracies must be remedied. Under FCRA 607 ( b ), consumer reporting agencies must use reasonable procedures to ensure the maximum possible accuracy of information reported. Additionally, FCRA 623 ( a ) ( 1 ) requires furnishers to avoid knowingly reporting inaccurate or incomplete information. 

I understand the importance of payment history and how negative marks affect consumers like myself. However, I ask only for a fair and legally accurate review of my accounts with empathy for the unprecedented challenges I faced. I believe the negative marks on my credit report should be reevaluated in light of the pandemic hardships and the protections afforded by the CARES Act and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: FL

Complaint narrative:
I have lost roughly {$7500.00} with chime banking between the months of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: NY

Complaint narrative:
I am submitting this complaint against Experian for failing to conduct a lawful reinvestigation of disputes I filed concerning inaccurate and unverified items on my credit report. Under the Fair Credit Reporting Act ( FCRA 611 ( a ) / 15 U.S.C. 1681i ( a ) ), the bureau is required to carry out a reasonable reinvestigation, which includes direct communication with furnishers, obtaining and reviewing original account-level documentation, and providing written verification or deletion within thirty days. Instead of fulfilling these obligations, the bureau has responded in a superficial manner that strongly suggests it relies on automated systems such as e-OSCAR, rather than obtaining and reviewing original source records. This practice violates the bureaus duty under FCRA 607 ( b ) / 15 U.S.C. 1681e ( b ) to ensure maximum possible accuracy. The accounts I disputed were confirmed by the banks themselves as errors and should have been removed, yet they remain on my file. In XX/XX/year>, Experian for failing to properly investigate consumer disputes and continuing to report inaccurate data by the CFPB for failing to conduct proper reinvestigations and relying on automated procedures, which further highlights the seriousness of this issue. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: SC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-08-27 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: NY

Complaint narrative:
I am submitting this complaint against Equifax for failing to conduct a lawful reinvestigation of disputes I filed concerning inaccurate and unverified items on my credit report. Under the Fair Credit Reporting Act ( FCRA 611 ( a ) / 15 U.S.C. 1681i ( a ) ), the bureau is required to carry out a reasonable reinvestigation, which includes direct communication with furnishers, obtaining and reviewing original account-level documentation, and providing written verification or deletion within thirty days. Instead of fulfilling these obligations, the bureau has responded in a superficial manner that strongly suggests it relies on automated systems such as e-OSCAR, rather than obtaining and reviewing original source records. This practice violates the bureaus duty under FCRA 607 ( b ) / 15 U.S.C. 1681e ( b ) to ensure maximum possible accuracy. The accounts I disputed were confirmed by the banks themselves as errors and should have been removed, yet they remain on my file. In XX/XX/2025, Equifax was fined {$15.00} XXXX by the CFPB for failing to conduct proper reinvestigations and relying on automated procedures, which further highlights the seriousness of this issue. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I SUBMITTED THE DOCUMENTS NEEDED FOR YOU TO REMOVE IT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PENNYMAC LOAN SERVICES, LLC.
State: MI

Complaint narrative:
QWR, DVR and demand for disclosure under TILA. 

I demand answer from the real human, not from AI. 

Please disclose source of authority based on which XXXX XXXX and its XXXX XXXX pay for my home insurance, send me demands and collect my information RESPA and TILA mandate this disclosure Please explain why XXXX XXXX and XXXX do servicing if PennyMac claims to be Servicer. 

Please provide me Power of Attorney wet- ink signed by an authorized employee of the owner of the obligation evidencing that XXXX XXXX XXXX and XXXX XXXX XXXX are hired and authorized by this owner to conduct servicing, pay for my home insurance policy and secretly collect my information via its website. 

I demand answer from the real human, not from XXXX XXXX which submits responses to CFPB impersonating as PennyMac

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
Ally Financial repossessed my XXXX XXXX XXXX in XX/XX/XXXX and has reported inaccurate and misleading information to the credit bureaus since then. They claim the vehicle was sold for around {$8000.00} {$9000.00}, which is far below the fair market value for a low-mileage XXXX during the COVID market. Ally also demanded I complete an odometer disclosure form after repossession, which I could not do since I no longer had the vehicle. On my credit reports, Ally is reporting both a charge-off balance of {$8200.00} and a deficiency balance of {$3300.00} at the same time, which is contradictory and misleading. These actions have damaged my credit, caused me to lose housing, and created ongoing financial and emotional harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/year> I, XXXX XXXX, went to a XXXX XXXX which is located on XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX. One of the store workers tricked me, got my personal information and applied for a credit card account under my name without my permission and without my knowledge. And I have never received that credit card or a statement regarding that credit card. And then 4 months later I noticed on my credit report that there was a XXXX XXXX  XXXX XXXX  account under my name with {$47.00} balance and 3 months late payments. 
And I disputed that account with XXXX XXXX  and XXXX. XXXX XXXX  has deleted that account from my name and XXXX  has removed that account from my credit report as well but Experian  still has it under my name on my credit report.

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 2025-08-27 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: MO

Complaint narrative:
Please rectify the overdue payment indicated on my account, as I have always made timely payments and have diligently maintained this record. Enclosed are the relevant documents for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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:
Consumer Name : XXXX XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Equifax, and Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. These are the fraudulent, inaccurate, and false information ; Equifax XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX - XX/XX/XXXX Transunion XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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: NY

Complaint narrative:
I am submitting this complaint against TransUnion for failing to conduct a lawful reinvestigation of disputes I filed concerning inaccurate and unverified items on my credit report. Under the Fair Credit Reporting Act ( FCRA 611 ( a ) / 15 U.S.C. 1681i ( a ) ), the bureau is required to carry out a reasonable reinvestigation, which includes direct communication with furnishers, obtaining and reviewing original account-level documentation, and providing written verification or deletion within thirty days. Instead of fulfilling these obligations, the bureau has responded in a superficial manner that strongly suggests it relies on automated systems such as e-OSCAR, rather than obtaining and reviewing original source records. This practice violates the bureaus duty under FCRA 607 ( b ) / 15 U.S.C. 1681e ( b ) to ensure maximum possible accuracy. The accounts I disputed were confirmed by the banks themselves as errors and should have been removed, yet they remain on my file. In light of the 2023 CFPB enforcement action ( CFPB & FTC v. TransUnion ), in which your agency was fined {$23.00} XXXX for systemic reporting failures, I hereby request that my dispute be handled with due diligence and in full compliance with federal law. The CFPB for failing to conduct proper reinvestigations and relying on automated procedures, which further highlights the seriousness of this issue. 
XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation