vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-19 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: SC

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

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 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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The personal information on my credit report were outdated.

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 2025-09-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Delays with the closing process
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
I applied with my mortgage servicer on XX/XX/XXXX for a HELOC in the amount of $ XXXX. The loan was approved and documentation for the loan was always provided within XXXX hours of the request. XXXX of the requests was proof of homeowners insurance- which was submitted by my agency XX/XX/XXXX. I received clear to close from Newrez on XXXX XXXXXX/XX/XXXX, and scheduled my closing date for XX/XX/XXXX. On the morning of XX/XX/XXXX, at XXXX, I received a phone call from Newrez informing me that my homeowners insurance was not enough to meet their policy limits due to increased replacement costs of my home, and they had just been informed of this. I was told that if I had my insurance agent send updated documentation with the new policy limits within the next hour we could still close that day. I worked with my insurer who provided new policy documents- but the agent informed me that what the loan underwriter actually needed would take at least a week to process, which was in direct opposition to what I was told by the underwriter. XX/XX/XXXX, the underwriter and the sales XXXX for Newrez did confirm this was true and my closing would be delayed until my updated insurance amount was shown as billed to my escrow amount- likely a week or XXXX. There is no excuse why documentation provided XXXX weeks in advance was not properly reviewed by an underwriter before I was issued a contractual clear to close.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) says ( XXXX ) 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 XXXXB 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 explanation
Consumer complaint received 2025-09-19 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) says ( XXXX ) 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 XXXXB 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 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am disputing the late payment listed on my credit report. This entry is erroneous and fails to reflect my consistent payment record. Such an inaccuracy causes unjust harm to my credit standing and creates an untrue image of my financial conduct.

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 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-09-19 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: NY

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I discovered that TransUnion is reporting inaccurate, unverifiable, and unauthorized information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). 

TransUnion Data Breach ( XX/XX/XXXX ) : Over XXXX XXXX consumers personal data was exposed, including names, dates of birth, and Social Security numbers. My personally identifiable information ( PII ) was compromised. Despite this, TransUnion continues to report derogatory data on my file without proper verification, compounding risk and liability. 

Unverified Collection Account : XXXX XXXX Account # XXXX This alleged charge-off is reported without any signed agreement, original contract, or proof of a permissible purpose under FCRA 1681b . Reporting this tradeline without evidentiary support violates FCRA 1681e ( b ), 1681i ( a ), and 1681s-2. 

Inaccurate Late Payments : Bank XXXX XXXX Account # XXXX ( XX/XX/XXXX ) XXXX  Account # XXXX ( XX/XX/XXXX ) These entries were reported inaccurately, some during grace periods, without timestamped billing statements, payment posting logs, or proof of delivery of statements to my correct address. These entries are misleading and violate FCRA 1681e ( b ), TILA 1666c, and case law ( XXXX v. TransUnion ). 

Failure to Conduct Reasonable Reinvestigation : TransUnion relies on automated systems such as XXXX, which courts have ruled insufficient ( XXXX XXXX TransUnion, XXXX XXXX XXXX ). Despite my dispute letters, TransUnion has not conducted a manual compliance review with original-source documentation. 

Personal Information Issues : My file contains outdated addresses, alternate names, and unverifiable employment data that should be removed unless TransUnion can legally justify their reporting. 

These violations are materially damaging my creditworthiness, financial reputation, and legal rights.

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 2025-09-19 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:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC
State: SC

Complaint narrative:
Hello, my name is XXXX XXXX, and I am filing a complaint regarding unlawful debt collection practices. I was contacted by TSI regarding XXXX  via phone/text in a manner I believe violates the TCPA and applicable debt collection laws. 

Specifically : 1. I have been on the Do Not Call ( DNC ) list for over a year.

2. I have no loans or debts beyond my credit cards and have never heard of this firm.

3. They contacted me at ( XXXX ) XXXX without my consent.

4. They falsely identified me as my father and asked for personal information. I never confirmed any relation.

5. When I asked to speak with a supervisor, I was put on hold and told they were busy, without any resolution.

6. This is the first time I have been contacted by them, yet they proceeded with aggressive/unlawful behavior.

I am requesting that this behavior be investigated and that appropriate enforcement actions be taken. I would like to submit this complaint formally for record and follow-up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: LA

Complaint narrative:
I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S. Code 1681c2 ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within XXXX business days of receiving appropriate proof. 
I am a victim of identity theft, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute. 
I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile. 
Disputed Closed or Charged-Off Accounts : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$210.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1700.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$390.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$740.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4500.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$420.00} XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$210.00} XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00} XXXXXXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3600.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$170.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} Unauthorized Inquiries to Be Deleted :

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 2025-09-19 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: GA

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, XXXX XXXX XXXX XXXX XXXXXXXX may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-09-19 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am writing to formally dispute the late payment entries currently listed on my credit report. I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies remain unresolved. 
This prolonged issue has caused ongoing financial strain and has negatively affected both my credit standing and overall well-being. The process of addressing these errors has been not only frustrating but also mentally and emotionally exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to a credit report that accurately reflects my financial history. This includes the timely correction or removal of outdated, incorrect, or unverifiable information. I am therefore urging your office to take immediate and appropriate action to update or delete the reported late payment entries in question.

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 2025-09-19 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: TX

Complaint narrative:
To Whom It XXXX Concern, I am filing a complaint against Equifax Information Services LLC for reporting inaccurate and damaging information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ). 

XXXX. The Inaccurate Reporting Attached are screenshots from my Equifax account ( via XXXX ) showing multiple inaccuracies : XXXX : XXXX is marked as 150 days late, which is not accurate. 

XXXX through XXXX are marked as CO ( charge-off/collections ), which is incorrect and does not reflect the true status of my account. 

XXXX : XXXX, XXXX, and XXXX are marked 60, 90, and 120 days late, which is factually wrong. 

Earlier in XXXX, my payments are marked on-time, so this sudden sequence is inconsistent and does not match my records. 

XXXX : XXXX is marked as 60 days late, which is also inaccurate. 

This reporting is inconsistent with my actual payment history and has caused severe harm to my creditworthiness. 

XXXX. Harm Suffered Because of these false delinquencies and CO notations : My credit score has dropped significantly. 

I have been denied access to credit and/or offered higher interest rates. 

These false negatives create the appearance of chronic nonpayment, which is untrue. 

XXXX. Prior Disputes I have disputed these inaccuracies with Equifax, but they either : failed to correct them, reinserted the errors after temporary removal, or responded without conducting a proper investigation. 

This behavior violates FCRA Sections 607 ( b ), 611, and 623, which require : maximum possible accuracy, proper reinvestigation of disputed items, and prohibition of reinserting deleted items without notice. 

XXXX. CFPBs Recent Action Against Equifax On XX/XX/XXXX, the CFPB ordered Equifax to pay a {$15.00} XXXX civil penalty for improper handling of consumer disputes and reinserting inaccurate information into credit reports without proper procedures. 

This fine shows a pattern of misconduct by Equifax, and my case appears to fall within the same unlawful practices already cited by the XXXX. 

XXXX. Requested Resolution I respectfully request that the CFPB : Require Equifax to immediately correct/remove the inaccurate 150, 120, 90, 60, and CO entries on my credit file. 

Ensure Equifax conducts a thorough reinvestigation using all documentation I submit. 

Provide me with an updated credit report confirming corrections. 

Monitor XXXX compliance with the XX/XX/XXXX CFPB consent order to ensure these errors are not reinserted. 

Consider requiring restitution for financial harm caused by these inaccuracies. 

XXXX. Supporting Evidence Screenshots from XXXX showing the inaccurate reporting ( attached ). 

Payment records/bank statements ( to be provided as needed ). 

Copies of dispute letters submitted to Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 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