vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-15 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: IN

Complaint narrative:
The absence of verifiable evidence supporting the accuracy of this account, coupled with the reporting of unverified information, constitutes a violation of 15 U.S.C. 1681i ( 7 ). This failure to comply with legal requirements is both concerning and frustrating, given the importance of ensuring accurate and fair reporting.

I hereby request the immediate removal of this account unless verifiable documentation is provided to substantiate its validity. Delays in resolving this matter exacerbate the impact of noncompliance with regulatory and legal standards.

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 2025-12-15 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: NC

Complaint narrative:
TransUnion is reporting consumer data that may be associated with compromised personal information following a potential data breach. Continued reporting without proper verification violates TransUnions obligation to ensure maximum possible accuracy under the Fair Credit Reporting Act.

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 2025-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Valor Intelligent Processing, LLC
State: GA

Complaint narrative:
VALOR is falsely reporting on my credit. I have never had any accounts with them. Per my research VALOR is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: FL

Complaint narrative:
[ Your Full Name ] [ Your Current Address ] [ City, State, ZIP Code ] [ Date ] Experian / Equifax / TransUnion [ Use bureau address or online dispute portal ] RE : Dispute of Inaccurate Personal Information ( Addresses ) To Whom It May Concern, I am writing to formally dispute inaccurate personal information appearing on my credit report, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

Upon reviewing my credit report, I noticed that several addresses listed are incorrect, incomplete, outdated, or unknown to me. I have never lived at or do not recognize the following addresses : [ List incorrect/unknown address # 1 ] [ List incorrect/unknown address # 2 ] [ List incorrect/unknown address # 3 ] These addresses are inaccurate and do not reflect my current or prior residences. I request that you * * remove all incorrect, outdated, or unverifiable addresses * * from my credit file immediately. 

Please update my credit report to reflect * * only my current, accurate address * *, listed below : [ Your Correct Current Address ] Under the FCRA, credit reporting agencies are required to ensure maximum possible accuracy of consumer information. If these addresses can not be verified as accurate, they must be deleted.

Please provide written confirmation once the disputed information has been removed or corrected.

Thank you for your prompt attention to this matter.

Sincerely, [ Your Full Name ] [ Date of Birth optional ] [ Last 4 digits of SSN optional ]

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 2025-12-15 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: TX

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: IL

Complaint narrative:
I am submitting this complaint regarding inaccurate and unverified information TransUnion is reporting on my credit report. I am exercising my rights under the Fair Credit Reporting Act to dispute the following items. 

Charged-Off Account TransUnion is reporting the following charged-off account, which I dispute : XXXX XXXX XXXX XXXX  XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX, opened XX/XX/XXXX, balance {$19000.00} I dispute the accuracy of the balance, account status, and reporting of this account and request documentation proving it was properly verified. 

Hard Inquiry TransUnion is reporting the following inquiry that I did not authorize or recognize : XXXX XXXX XX/XX/XXXX I dispute this inquiry and request TransUnion provide proof of permissible purpose. If such proof can not be provided, this inquiry must be removed. 

Late Payment Reporting TransUnion is reporting late payments on the following accounts, which I dispute : XXXX Auto Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Card Acct # XXXXXXXX XXXX XXXX XXXX XXXX  I am requesting TransUnion conduct a proper reinvestigation and remove any late payment information that can not be fully verified.

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 2025-12-15 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:
I AM A CONSUMER WITH PROTECTED RIGHTS, SO PLEASE REMOVE ALL OF THESE FAKE, FRAUDULENT, AND INACCURATE ACCOUNTS FROM MY CREDIT REPORT ; if they do not, I will take them to court. 

I am requesting that the following items be removed or corrected on my credit report : PLEASE REMOVE THESE FRAUDULENT ACCOUNTS XXXX XXXX XXXX  Account number : XXXXXXXX XXXX XXXX XXXX  Account number : XXXX  PLEASE REMOVE THESE FRAUDULENT INQUIRIES : XXXX XXXX XXXX Inquired on XX/XX/year> PLEASE UPDATE AND CORRECT THIS LATE PAYMENT ACCOUNTS REPORTING : XXXX XXXX  Account number : XXXXXXXX XXXX XXXX  Account number : XXXXXXXX XXXX XXXX Account number XXXX XXXX XXXX Account number 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 2025-12-15 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: GA

Complaint narrative:
XXXX XXXX XXXX was supposed to file a XXXX Claim for XXXX XXXX when I moved out in XX/XX/year>. The assistant XXXX, XXXX XXXX, and XXXX XXXXXXXX XXXX XXXX failed to properly file the XXXX Claim within the XXXX months after the moveout. Due to their negligence, my rental history will be in jeopardy, which could prevent me from getting an apartment in the future. Especially when I already had enough funds in the XXXX bond to cover it. The amount that was supposedly due was {$2400.00} and my XXXX bond coverage was {$2800.00}. I believe that I was targeted when I was living here, and this was done on purpose. This company will not return my calls/emails. The XXXX insurance gives the property management XXXX months to file a claim if the tenant has a remaining balance I paid in the last bill for rent ; these extra charges were supposed to be for the cleaning fee and the damages. Regardless of how I feel about how I was overcharged, the money was still sitting in my XXXX bond waiting to be claimed. I believe this was done on purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: NC

Complaint narrative:
I am submitting this complaint to dispute inaccurate, incomplete, and unverifiable information being reported on my Equifax credit report. Despite my efforts to maintain accurate credit reporting, Equifax is currently reporting accounts and inquiries that do not comply with the Fair Credit Reporting Act ( FCRA ). I am requesting a full investigation and correction or deletion of the items listed below.

Charged-Off Accounts ( Disputed ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-12-15 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: FL

Complaint narrative:
I requested a credit line increase with my XXXX XXXX credit card. My response was declined because " Credit bureau information is missing or unavailable We were unable to obtain your most recent monthly payment data from the credit reporting agency Information from at least one bureau is missing or unavailable. '' I called XXXX XXXX, and they just instructed me to keep applying. When I pointed out my issue was not just a decline and was an issue with the credit reporting agency, they told me to call Experian. I created an account and verified my phone number. The last step was to verify my phone number with a number ending in XXXX, which is not my number, or an email that begins with " XXXX XXXX which is also not my email. I have called five different Experian phone numbers about 5 times each to explain to them my situation and all of them are just automated voices that only give me the option to freeze or unfreeze my account. I have asked to speak to a representative many times, to which it hangs up on me. I am EXTREMELY frustrated. Now when I try to login with my username and password, it says that I have the wrong password, so I try logging in with my phone number ( the only phone number I have ) and the last four digits of my SSN, it says I have the wrong information. HELP ME.

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 2025-12-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
My ex-wife and I close on a home, XX/XX/XXXX, with XXXX XXXX as our mortgage lender. My wife and I separate, and I file for a divorce. XXXX XXXX, XXXX, the divorce is finalized in court. XX/XX/XXXX, I receive confirmation from the VA that the Spousal Release of Liability has been completed and approved. There have been a few different occasions since then where I have reached out to get my ex-wife 's name off of the mortgage. I have even been on a three-way call with the VA and Freedom Mortgage , and had the VA send an email to Freedom Mortgage with no response. But the most recent occasions are XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. All requesting for my ex-wife 's name to be removed. Each time being told the same thing, that both parties need to fill and sign the " Assumption Form ''. However, pursuant to the VA Circular, as of XX/XX/XXXX... 

Spousal Releases : VA does not require the servicer to complete an assumption to release a spouse, whose entitlement is not encumbered by the VA-guaranteed loan, from liability to a loan if the request is made due to a decree to dissolve the marriage or a legal separation agreement awarding the property to the Veteran whose entitlement is encumbered by the VA-guaranteed loan . The servicer may proceed with the spousal release, and update XXXX with the obligors as appropriate, if the Veteran or ex-spouse provides the following documentation to the servicer : ( 1 ) A copy of the decree to dissolve the marriage or legal separation agreement verifying the property was awarded to the Veteran whose entitlement is encumbered by the VA-guaranteed loan ; and, ( 2 ) A recorded copy of the legal document ( ex. quit claim deed ) transferring ownership to the Veteran whose entitlement is encumbered by the VA-guaranteed loan

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 2025-12-15 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: GA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: PA

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: NV

Complaint narrative:
I am a consumer who is actively working to fix my credit. I am filing this complaint regarding inaccurate, incomplete, and/or unverified information Equifax is reporting on my credit file. Under the Fair Credit Reporting Act, Equifax must ensure that all reported information is accurate and verifiable.

Charged-Off Accounts Equifax is reporting the following charged-off accounts, which I dispute : XXXX XXXX XXXX Acct XXXX XXXX XXXX account date XX/XX/XXXX, balance {$2200.00} XXXXXXXX XXXX XXXX XXXX  Acct XXXX XXXX XXXX account date XX/XX/XXXX, balance {$2800.00} XXXXXXXX XXXX  Acct # XXXX, account date XX/XX/XXXX, balance {$2400.00} XXXX dispute the accuracy of the balances, dates, and charge-off status of these accounts. Equifax has not provided sufficient documentation demonstrating these accounts were properly investigated and verified. 

I am requesting Equifax immediately correct or delete any charged-off account information that can not be fully verified in compliance with the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: CA

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. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( 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. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: ID

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged-Off Accounts No Disputes in This Section for XXXX Inquiries XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX Late Payments in Dispute XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: GA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-12-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I am submitting this complaint regarding an unauthorized hard inquiry placed on my credit report by Bank of America on XX/XX/year>. 

I did not submit any application for credit, loan, or financial product with Bank of America on or around this date. I did not authorize Bank of America to access my consumer credit report in any form.

This inquiry does not relate to any existing or previous account, nor does it reflect any transaction initiated by me. As such, it lacks a permissible purpose under the Fair Credit Reporting Act ( FCRA 604 ).

I formally requested deletion of this inquiry, not verification. However, the inquiry continues to appear on my credit report and negatively affects my credit standing.

I am requesting the immediate and permanent removal of this unauthorized hard inquiry.

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 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information 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 explanation
Consumer complaint received 2025-12-15 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: MD

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation