vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to formally dispute the reporting of inaccurate and fraudulent information on my consumer credit file. This demand is made pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block and remove information that results from identity theft or is otherwise inaccurate.

The following account ( s ) must be blocked and deleted immediately as they are the result of identity theft and/or are reporting false information : Creditor : 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 Type of Inaccuracy : ( Identity theft / Fraudulent account / Inaccurate reporting ) Legal Basis Under 15 U.S.C. 1681c-2 ( a ), a consumer reporting agency is prohibited from reporting information in a consumer file that the consumer identifies as resulting from identity theft, once the consumer provides the required proof. I have enclosed the following supporting documentation : Copy of my government-issued identification Proof of address ( utility bill or bank statement ) Copy of my FTC Identity Theft Report / police report ( if applicable ) This serves as notice and demand that you are required by law to : 1. Block the reporting of the fraudulent/inaccurate account ( s ) within 4 business days of receipt of this letter.

2. Provide me with written confirmation of the actions taken, including the deletion of the fraudulent/inaccurate account ( s ).

3. Refrain from reselling or re-reporting this inaccurate information to any third parties.

Damages & Liability Failure to comply with this demand constitutes a violation of the FCRA, exposing your agency to civil liability under 15 U.S.C. 1681n and 1681o, including statutory damages, actual damages, attorneys fees, and punitive damages.

Conclusion This letter serves as my good-faith demand for the immediate deletion of the above-referenced information. If you fail to comply, I will pursue all remedies available under federal law, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), my State Attorney General, and initiating a civil lawsuit.

Please provide me with written confirmation of your compliance within 15 days of receipt of this letter.

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 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Subject : Notice of False Credit Reporting and Request for Immediate Correction Dear Vive/TBOM, I am writing to formally dispute the inaccurate and misleading information you continue to report to the credit bureaus regarding my account numberXXXX This account is currently enrolled in a Debt Management Program ( DMP ), under which there is a formal agreement that includes structured, scheduled monthly payments. These payments have been made consistently and on time every month, in accordance with the terms of that agreement. 

Despite this, you continue to report the account as late and delinquent, which is false and in direct violation of accurate credit reporting standards. This misreporting is having a damaging impact on my credit profile and is unjustified given the active payment arrangement in place. 

Under the Metro 2 credit reporting guidelines, creditors are obligated to report accurate and complete information. Reporting this account as delinquent while it is in a verified and active DMP is a violation of these standards. 

I am requesting that you immediately correct the false information and update the reporting to reflect the current and active payment status under the debt management agreement. 

If this matter is not resolved within XXXX  days, I will proceed to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and consider additional regulatory and legal avenues to address the ongoing inaccuracies and harm being caused. 

Please confirm in writing that you have received this letter and are initiating a correction. I am requesting full documentation of any investigation you conduct as well. 

Sincerely, 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 2025-09-05 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: WI

Complaint narrative:
Subject : Notice of False Credit Reporting and Request for Immediate Correction Dear XXXX, I am writing to formally dispute the inaccurate and misleading information you continue to report to the credit bureaus regarding my account numberXXXX This account is currently enrolled in a Debt Management Program ( DMP ), under which there is a formal agreement that includes structured, scheduled monthly payments. These payments have been made consistently and on time every month, in accordance with the terms of that agreement. 

Despite this, you continue to report the account as late and delinquent, which is false and in direct violation of accurate credit reporting standards. This misreporting is having a damaging impact on my credit profile and is unjustified given the active payment arrangement in place. 

Under the Metro 2 credit reporting guidelines, creditors are obligated to report accurate and complete information. Reporting this account as delinquent while it is in a verified and active DMP is a violation of these standards. 

I am requesting that you immediately correct the false information and update the reporting to reflect the current and active payment status under the debt management agreement. 

If this matter is not resolved within XXXX  days, I will proceed to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and consider additional regulatory and legal avenues to address the ongoing inaccuracies and harm being caused. 

Please confirm in writing that you have received this letter and are initiating a correction. I am requesting full documentation of any investigation you conduct as well. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 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:
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 explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 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: NC

Complaint narrative:
While my account with SECU correctly shows the open date, the overall credit age on my report is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 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:
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 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 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 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 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 XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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:
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 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 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 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 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 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 non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I state that the inaccurate late payment remarks on my accounts violate 15 USC 1666. I have always made my payments on time, and these reporting errors are both unjust and unlawful.

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 2025-09-05 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion 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 : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 US 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
Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc.
State: GA

Complaint narrative:
Whom may concern : Im filing complaint for following account listed below -LOCKHART MORRIS & MO- account XXXX XXXX FCRA 15 USC 1681a ( 3 ) ( a ) ( b ) ( c ) - I demand this account to be removed ; the sharing of medical information and payment transactions for medical products or services is a violation. 

I have attempted to dispute this entry on at least XXXX prior occasions, and despite my efforts, the inaccurate and unlawful reporting persists. 
This collection account is being reported in violation of federal law, and I demand its immediate deletion from my credit report for the following reasons : There has been NO proof this is mine, please provide the original contract from who you purchased from with my wet signature.A billing summary is NOT proof of debt ownership or legal authority to collect. Continued reporting of this unverifiable debt to credit bureaus is violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and constitutes the furnishing of irate and incomplete information.

onally, continued collection efforts without proper validation violate the A, specifically : 15 U.S.C. 1692e - False or misleading representations 15 U.S.C. 1692f - Unfair practices 15 U.S.C. 1692g - Failure to validate debt -Violation of HIPPA - my medical information has been obtained without written consent of me to share my personal medical records and they have been exposed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: NJ

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-09-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: GA

Complaint narrative:
Account deactivated and can not withdraw funds. Need to sell Bitcoin and withdraw money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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:
This is a follow-up complaint regarding Equifax 's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. XXXX  has repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ).

Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data.

Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Equifax to potential regulatory and civil liability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: CMG Financial Services, Inc.
State: CA

Complaint narrative:
I am submitting this complaint regarding CMG Mortgages repeated and improper denial of my request to assume my existing mortgage. This denial is inconsistent with the facts of my financial stability, my payment history, and the contractual nature of loan assumptions. 

Background I have been a borrower on the subject mortgage since origination. 

My current loan balance is approximately {$320000.00}. 

The propertys current market value is approximately {$900000.00}, giving me more than {$570000.00} in equity. 

I have been continuously employed by the XXXX XXXX XXXX for 17 years and earn approximately {$93000.00} annually. 

I have never missed a mortgage payment. 

This assumption request is made to remove my ex-wife from the loan, as required by our divorce decree. She has significant credit issues, substance-related concerns, and represents a liability if she remains on the loan. 

Complaint Issues Improper Evaluation of Income : Despite stable long-term employment and income that far exceeds the debt obligations, CMG denied my assumption citing insufficient income. 

This ignores both my consistent payment history and the fact that this is not a new credit origination but rather an assumption of an existing, performing loan. 

Failure to Provide Clear Guidelines : CMG has refused to cite the exact investor guideline or regulation requiring denial under these circumstances.

My request for escalation to a supervisor was denied by the representative handling my file, which raises concerns about transparency and accountability.

Unreasonable Risk Assessment : With more than {$570000.00} in equity, CMG faces no reasonable risk of loss.

The denial appears arbitrary and punitive rather than based on sound underwriting or investor standards.

Requested Resolution A full written explanation of the specific investor or regulatory guideline CMG relied on to deny this assumption.

Immediate review of my application by a supervisory-level underwriter. Approval of the loan assumption so that my ex-wife may be removed from the loan as required by my divorce decree.

Filing with Oversight Agencies Because CMG has failed to provide transparency or a fair review, I am filing this complaint concurrently with : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX  XXXX California Department of Financial Protection and XXXX ( XXXX ) Conclusion I have demonstrated both the financial capacity and consistent history to meet the obligations of this loan. CMGs refusal to process this assumption properly appears to be an unfair and improper lending practice. I respectfully request an immediate supervisory review and corrective action. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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:
To whom ever this may concern im currently a victim of identity theft. Someone has my wallet and they've been running my name through the database. The suspect whomever has my identity has tried on multiple occasions to have my mail re-routed. Please understand i have never opened any account with XXXX XXXX or XXXX  XXXX. Each application that was submitted was submitted without my consent or acknowledgement I XXXX XXXX now ask that each account be blocked and removed from all 6 major credit agencies as of today. Please understand this is a demand and not a request. I'm now asking that the fraudulent accounts mentioned be removed from my credit reports with XXXX, experian, XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX at this time.

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