vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-08 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: WI

Complaint narrative:
i have not supplied proof under the doctrine if estoppel by the silence engelhardt. v gravens ( mo ) XXXX XXXX. i presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exists. ( please remove these accounts before i seek litigation for defamation of character. ) XXXX XXXX XXXX BALANCE {$1100.00}, XXXX XXXX balance {$1200.00}

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 2025-09-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: United Shore Financial Services, LLC
State: TX

Complaint narrative:
United wholesale mortgage sold my loan off to another company and they still have a lien on my property and I sold my property and now me or the title company cant get ahold of them. They dont answer the phone. I need help getting this resolved. I need a lien release from United. It seems this is a problem with them from other complaints. They really need to offer a line for customers to resolve issues. No way to get through to them without an active account. My old account wont allow me to talk to anyone which is ridiculous especially if they are not filing lien releases correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: NY

Complaint narrative:
XX/XX/year> XXXX dollars was sent to XXXX XXXX. 
note saids rent. 
XX/XX/year> XXXX dollars was sent to XXXX XXXX. 
note said rent. 
XX/XX/year> XXXX dollars was sent to XXXX XXXX. 
note said application fee. 

who ever the person is on XXXX market scammed me out of those funds nd not trying to send it bac i tried requesting it back on chime and it wont let me. probably do to the person blocked me so i wont request the money which is wrong cause i worked for them funds and then get scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally disputing fraudulent accounts that have appeared on my credit report. These accounts are not mine, and I have never authorized or been responsible for them. Their presence is inaccurate, harmful, and a serious violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: MD

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian 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 : INQUIRIES : XXXX Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XXXX ACCOUNTS : XXXX XXXX XXXX - Account XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$600.00} 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, 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 2025-09-08 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: CA

Complaint narrative:
This complaint is not submitted in error. My credit report contains inaccuracies that fail the FCRAs maximum possible accuracy standard ( 15 U.S.C. 1681e ( b ) ) and are causing ongoing financial and personal harm.

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 2025-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: OneMain Finance Corporation
State: NY

Complaint narrative:
I am writing to notify you that I have identified two accounts on my credit report that I do not recognize and, as far as I understand, have been there for a long time. These accounts were not opened by me and I believe they are the result of identity theft. 
I respectfully request that this matter be investigated and that the necessary steps be taken to correct my credit report. 

Account XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  - Balance : {$0.00} - Opened : XX/XX/XXXX Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX - Balance : {$0.00} - Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
On XX/XX/year>, I received a collection notice from Caine & Weiner ( CW Reference # XXXX ) stating I owed {$170.00} on a XXXX XXXX account. The same day, XXXX confirmed directly with me that the account was paid in full and that they had already notified Caine & Weiner. XXXX also stated the account will no longer be listed on your credit from today forward. 

Despite this, Caine & Weiner furnished a new collection tradeline to XXXX XXXX XXXX XXXX, showing the account as an active collection. This reporting is inaccurate and misleading, because the debt had been paid before reporting. A debt collector can not report a collection account that was never valid for collection. 

On XX/XX/XXXX and XXXX, 2025, I contacted Caine & Weiner by email, attached Progressives written confirmation, and requested written proof that the tradeline was deleted. They ignored my requests and have not corrected the credit reporting. 

I am requesting that the CFPB require Caine & Weiner to : Delete this tradeline entirely from XXXX XXXX XXXX XXXX  ( not update it to {$0.00} ), since it was inaccurate from the moment it was furnished. 

Provide written confirmation of the deletion for my records. 

This is a violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) because Caine & Weiner reported inaccurate information and failed to correct it after notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: NY

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections XXXX ( 15 U.S.C & XXXX ), XXXX ( 15 U.S.C & XXXX ), and XXXX ( 15 U.S.C & XXXX ). 

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : Account Not Found XXXX XXXXXXXX XXXX XXXX XX/XX/year> Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: FL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 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:
Consumer Statement for Record TransUnion Data Breach & Dispute Validity On XX/XX/year>, a significant data breach occurred at TransUnion, which was discovered on XX/XX/year>. The breach involved unauthorized exposure of consumer information due to employee error, unsecured devices, or misconfigured cloud storage. This incident directly compromised the integrity, accuracy, and reliability of the consumer data maintained by TransUnion. 

On XX/XX/year>, I formally filed disputes with the credit bureau concerning the validity of certain inquiries and accounts being reported under my file. Despite the breach announcement confirming that consumer data had been placed at risk, my disputes were denied without meaningful reinvestigation. 

This denial undermines my rights under the Fair Credit Reporting Act ( FCRA ), specifically 1681i ( a ), which requires that any disputed item be reinvestigated with objectively verifiable documentation. Given that the breach compromised XXXX ability to validate data with integrity, continued reporting of the disputed items is inherently unreliable and unlawful. 

I place this statement on record to note that : My disputes were submitted immediately after the breach disclosure ; The denial of my disputes ignored the compromised state of XXXX systems ; My data remains at risk, and continued reporting of these items violates the FCRAs mandate to ensure maximum possible accuracy. 

Accordingly, I renew my demand that TransUnion remove the disputed inquiries and accounts, and I request written confirmation of corrective actions. see attached letter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: GA

Complaint narrative:
Consumer Statement for Record TransUnion Data Breach & Dispute Validity On XX/XX/year>, a significant data breach occurred at TransUnion, which was discovered on XX/XX/year>. The breach involved unauthorized exposure of consumer information due to employee error, unsecured devices, or misconfigured cloud storage. This incident directly compromised the integrity, accuracy, and reliability of the consumer data maintained by TransUnion. 

On XX/XX/year>, I formally filed disputes with the credit bureau concerning the validity of certain inquiries and accounts being reported under my file. Despite the breach announcement confirming that consumer data had been placed at risk, my disputes were denied without meaningful reinvestigation. 

This denial undermines my rights under the Fair Credit Reporting Act ( FCRA ), specifically 1681i ( a ), which requires that any disputed item be reinvestigated with objectively verifiable documentation. Given that the breach compromised XXXX ability to validate data with integrity, continued reporting of the disputed items is inherently unreliable and unlawful. 

I place this statement on record to note that : My disputes were submitted immediately after the breach disclosure ; The denial of my disputes ignored the compromised state of XXXX systems ; My data remains at risk, and continued reporting of these items violates the FCRAs mandate to ensure maximum possible accuracy. 

Accordingly, I renew my demand that TransUnion remove the disputed inquiries and accounts, and I request written confirmation of corrective actions. see attached 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 2025-09-08 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 XXXX 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 : ACCOUNTS : XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$420.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2600.00} 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 XXXX 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 2025-09-08 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: IN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

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 FTC Report Number : 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. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-08 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: IN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

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 FTC Report Number : 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. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 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: IL

Complaint narrative:
This is my formal REQUEST FOR REINVESTIGATION under the Fair Credit Reporting Act ( FCRA ). I previously submitted a dispute to EQUIFAX regarding inaccurate and potentially outdated accounts on my credit report. I have not received any response, reinvestigation results, or an updated credit file, as required by FCRA 1681i. This failure to respond constitutes a violation of federal law and Illinois consumer protection statutes ( 815 ILCS 505/2, 225 ILCS 425/9 ). 

Account 1 : XXXX XXXX BANK XXXX / XXXX Date Opened : XX/XX/XXXX Balance : {$640.00} This account is reporting multiple inaccurate and contradictory delinquency dates : XXXX late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX late in XX/XX/XXXX. Future-dated entries like XX/XX/XXXX are clearly erroneous and violate FCRA 1681e ( b ), which mandates that consumer reporting agencies ensure the maximum possible accuracy. EQUIFAX has failed to correct or verify these details. 

Account 2 : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$120.00} Status : Charged Off This account is listed as charged off, but I was never properly notified of this status or provided with debt validation. Reporting a charge-off without investigation or documentation violates FCRA 1681i and may also constitute a violation under the Fair Debt Collection Practices Act ( FDCPA ). If this debt is time-barred under Illinoiss 5-year statute of limitations, it may also be improperly reported under FCRA 1681c. 

Account 3 : XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5500.00} Status : Charged Off This account is decades old and marked as charged off, with no supporting payment history, activity, or documentation. Without proof of the charge-off date or account activity within the last 7 years, this account may be in violation of FCRA 1681c, which limits reporting of derogatory accounts to 7 years, excluding certain bankruptcies. EQUIFAX must verify whether this account is legally reportable or remove it immediately. 

I request that EQUIFAX take immediate action to comply with its legal obligation to investigate these disputes, verify accuracy, and correct or remove any unverifiable or outdated information.

Company response to consumer: Closed with non-monetary relief