vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-26 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: CA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: TX

Complaint narrative:
Accounts are being reported with inaccurate, incomplete, and unverifiable information. These include charge-offs, collections, and late payments that violate federal consumer laws, specifically the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1666b and 1681, and XXXX XXXX XXXXompliance standards. These accounts remain on my credit report despite formal disputes submitted to both Experian and Equifax. 

Despite my formal disputes, the following accounts continue to appear on my credit reports with severe violations : XXXX XXXX XXXX XXXX ( Charge-Off {$42.00} ) Continues to report past due and charged off simultaneously. Violates FCRA 1681e ( b ), XXXX XXXX ( no double derogatory reporting ), and 15 USC 1666b. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX ( Charge-Off {$320.00} ) Reports active past due balances after charge-off. The DOFD ( Date of First Delinquency ) is misrepresented. Violates FCRA 623 ( a ) ( 5 ), 1681s-2 ( b ), XXXX XXXX XXXX and 1637 ( b ). 
XXXX XXXX XXXX  ( Charge-Offs {$1100.00} and {$510.00} ) Reports balances monthly after charge-off and closed status. Continues to reflect inaccurate payment history. These are in violation of XXXX XXXX, FCRA 1681e ( b ), and 1666. 
XXXX XXXX XXXX ( Collection {$1100.00} ) No validation has been provided, and the original creditor ( XXXX XXXX ) has not confirmed any documentation. Reporting is inaccurate and lacks dispute coding required by XXXX XXXX ( XB status ). Violates FCRA 1681g, 1681s-2 ( a ) ( 1 ) ( A ), and FDCPA 809 ( 15 USC 1692g ). 
Late Payments ( XXXX XXXX XXXX XXXX XXXX ) Late payments are listed on closed and charged-off accounts, which is not permitted under XXXX XXXX reporting standards. These inaccuracies misrepresent my payment behavior and are in direct violation of FCRA 623 ( a ) ( 1 ) ( A ), 1681i, and XXXX XXXX compliance codes. 
I have requested investigations under FCRA 1681i ( a ) and method of verification under 611 ( a ) ( 7 ), but the bureaus have failed to provide a lawful, sufficient response or documentation validating these entries.

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 2025-06-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: MIDFIRST BANK
State: NY

Complaint narrative:
My name is XXXX XXXX, and I am filing this complaint regarding a serious issue involving MidFirst Bank and a pending foreclosure on a property I co-purchased with family in early 2019. I am a co-borrower on the mortgage loan but have been repeatedly denied access to vital loan information by MidFirst Bank despite my legal obligation on the mortgage and my active attempts to resolve the matter. 

Background : In early 2019, I, my partner, my mother, and my brother entered into a joint agreement to purchase a home together. The verbal and financial understanding was that we would each contribute 25 % toward the purchase and share equal ownership and responsibility. 
However, my brother without our full knowledge or informed consent later changed the deed to list himself as 99 % owner, and the remaining 1 % split between me, my partner, and my mother. This change was not only deceptive but has left me legally responsible for a mortgage I have no control over. 
My brother has since refused to cooperate or resolve the financial issues, and now the home is scheduled for foreclosure auction within weeks. He has expressed no interest in preventing the foreclosure and seems to be actively letting it happen.

Consumer Protection Violation : I have attempted dozens of times to contact MidFirst Bank by phone and in writing in order to : Access mortgage statements Request reinstatement or payoff details Explore options to prevent foreclosure Understand the status of the loan I am legally tied to Each time, I have been denied access solely because I am not listed as the majority deed holder, despite being a co-borrower on the mortgage. This denial of access is a clear violation of my rights under the Real Estate Settlement Procedures Act ( RESPA ) and other consumer protection laws.

My Requests : 1.Immediate recognition of my legal right to access loan information as a co-borrower 2.A full investigation into MidFirst Banks denial of access to account information 3.A review of the fraudulent deed changes that created this situation 4.Any assistance in halting or delaying the foreclosure until my claims can be fairly heard in court I have also filed a lis pendens due to an active legal dispute over ownership, and yet the foreclosure is still being pushed forward. I am seeking help to prevent further harm to my financial standing and to stop being penalized for a situation I did not cause.

Thank you for your attention and support.

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 2025-06-26 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: NY

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Request for Deletion of The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to formally dispute the reporting of a collection account from The XXXX XXXX XXXX, showing a balance of {$650.00} related to XXXX XXXX. 

This account is inaccurate and unverifiable under the Fair Credit Reporting Act ( FCRA ) 1681i. There is no documented payment history or verifiable information provided with this entry, and the last payment date is missing. This lack of proper information renders the item unverifiable and therefore must be removed. 

Additionally, this debt has never been validated or proven to be legally owed. As a consumer, I am exercising my right to request the immediate and permanent deletion of this tradeline from 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 non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I have encountered difficulties accessing my Equifax Information Services account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX ( NO MIDDLE NAME, JUST AN INITIAL ) D.O.B. XX/XX/year>. CONSUMER HAS NOTIFIED ALL BUREAUS IN WRITING THAT CONSUMER IS A VICTIM OF IDENTITY THEFT. SENT BUREAUS UPDATED IDENTIFICATION AND SSN AND BUREAUS XXXX, XXXX, AND TRANS UNION REFUSE TO REMOVE FRAUDULENT NAMES SUCH AS " XXXX XXXX, FRAUDULENT ADDRESSES XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE ONLY ADDRESS THAT IS TO BE REFLECTING ON CONSUMER REPORT IS XXXX XXXX XXXX XXXX XXXX XXXXXXXX. PLEASE REMOVE ALL FRAUDULENT NAMES AND ADDRESSES OFF OF THE 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 non-monetary relief
Consumer complaint received 2025-06-26 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.
State: FL

Complaint narrative:
b'XXXX XXXX XXXX\nXXXX\nXXXX7\nXXXX\XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX\n\nMy Information was sold and bought illegally because I was a victim of the Equifax Data Breach. I want these items deleted from my credit reports effective immediately.\n I am attaching proof that Equifax has admitted that i was in fact a victim of this data breach, Equifax, XXXX XXXX XXXX have done nothing to fix the misuse of my credit.\nPlease help me delete illegal accounts from all of my credit reports. \nThe following accounts, addresses and inquiries were fraudulent, and they need to be removed from my credit reports.\n\nFraudulent Address NEED TO BE REMOVED\n\nXXXX XXXX XXXX XXXX, FL XXXX\n\n\nFraudulent INQUIRIES NEEDED TO BE REMOVED\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX\n\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX 7XXXX\n\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: FL

Complaint narrative:
According to the fair credit reporting act, section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, email or in a fraudulent account.

I demand to see verifiable proof ( an original consumer contract with my signature on it ) you have on file of the account listed below. Your to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the account listed below. 
I DEMAND THE FOLLOWING ACCOUNTS BE VERIFIED OR REMOVED IMMEDIATELY. 


Collection Agency : XXXX XXXX XXXX Original Creditor : 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 2025-06-26 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: NV

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX * * * *, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX * * *, XXXX XXXX XXXX * * *, XXXX XXXX * * * * CAP XXXX NA XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 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 2025-06-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: TN

Complaint narrative:
Freedom Mortgage increased my impound account payment by about {$150.00}. They said it was due to the insurance premium and told me to check with THEIR insurance carrier. I applied for a quote, which was high... Since then I have been harassed by XXXX, which is Freedom Mortgage 's insurance carrier and Freedom Mortgage is also harassing me, trying to force me to use their products. I want the harassment to stop. Mortgage companies should not be allowed to use their leverage with borrowers to force us to use their insurance providers.

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 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX has declined to remove late payments off.

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 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX has declined to remove late payments off.

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 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX has declined to remove late payments off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Tavelli Co., Inc. dba Tavco Credit Services
State: CA

Complaint narrative:
I received a bill from you about the XXXX XXXX XXXX with account # XXXX as of XX/XX/year> i owed {$190.00} and total amount debt {$190.00}. 
I thought XXXX did not have my insurance information and they never sent me a bill before. 
Attached copy of my insurance with this mail .Please check it Thanks XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: MS

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. CXXXXe XXXXi ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. CXXXXe XXXXe ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
THIS BANKRUPTCY RECORD IS NOT MINE AND HAS BEEN REPORTED IN ERROR. ITS INCLUSION ON MY CREDIT REPORT IS INACCURATE, MISLEADING, AND IS CAUSING SIGNIFICANT EMOTIONAL DISTRESS. I AM FORMALLY REQUESTING THE IMMEDIATE AND PERMANENT REMOVAL OF THIS FRAUDULENT ENTRY FROM MY CREDIT FILE. PROMPT ACTION IS REQUIRED TO RECTIFY THIS SERIOUS ERROR. SEE THE ATTACHED DOCUMENT FOR VERIFICATION.

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 2025-06-26 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. The information listed below, which appears on my credit report, is the result of that XXXX. 

FRAUDULENT ACCOUNTS : Account Name : 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