vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-21 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: MI

Complaint narrative:
I submitted a dispute to TransUnion regarding a XXXX late mark from XXXX XXXX XXXX XXXX 

On XX/XX/year>, I received a letter from TransUnion rejecting my dispute, claiming that the request appeared to come from a third party. However, I personally submitted the dispute letter myselfnot through any credit repair company. 

Their refusal to investigate the matter violates the Fair Credit Reporting Act ( FCRA 611 ), which requires that credit bureaus investigate disputes directly from the consumer, unless there is clear evidence it was submitted by an unauthorized party. 

I have attached the letter TransUnion sent me, which falsely suggests I used a third party. I also included a copy of the original dispute letter I mailed, clearly written and signed by me. 

I am requesting full removal of the disputed item due to TransUnions refusal to investigate, lack of evidence supporting their third-party claim, and noncompliance with FCRA investigation obligations.

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 2025-08-21 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:
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 2025-08-21 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: IN

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: FISERV FINXACT CORE
State: MO

Complaint narrative:
Someone is using a prepaid card to try to get access to my unemployment benefits, which I never applied for my unemployment benefits should be getting sent to my account my checking account and not on a prepaid card because I never signed up for it and XXXX  XXXX XXXX its giving me the runaround and not giving me answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alpine Credit, Inc
State: CO

Complaint narrative:
ALPINE CREDIT has not provided anything backing there claims and false account on my credit reports. So again I am requesting Proof of Claim as well as Proof of Interest Rate Increases : Alpine credit Collection company can only collect interest or fees allowed by the original agreement and by LAW Explaining how the increase was applied and its legality under the agreement by law and specifically details on interest this will need to be provided to CFPB do to ALPINE CREDIT making false claims that they have provided documentation when they have not. I am requesting Documents to be provided to me The alleged owner as well to CFPB for proof I have the right to request validation of a debt, including details on the principal, charges, and a clear explanation of any interest rate increases. failure to do so will will result in lawsuit. ALPINE CREDIT had XXXX business from my last request on CFPB XX/XX/25 my next step will be involving XXXX XXXX XXXX at ( XXXX ) XXXX Alpine credit is a Collection company and not original creditor of the XXXX close account. alpine credit is trying to collect debt with a interest rate increase this company is violating the CFPB laws Alpine credit has to XX/XX/25 to provide documentation to me as will as to CFPB

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: MN

Complaint narrative:
I am issuing this formal and final demand for the immediate deletion of all fraudulent and unauthorized accounts, inquiries, and public records from my credit file. These items are the result of identity theft, and I have never consented to or opened the accounts in question. This matter has been reported to the Federal Trade Commission, and I have attached my Identity Theft Report as required by law. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and REMOVE all fraudulent information within FOUR ( 4 ) BUSINESS DAYS of receiving this notice and the supporting documents.Any delay, negligence, or continued reporting of this false information will be treated as willful noncompliance and a blatant violation of federal law. Be advised that I will pursue legal action under FCRA 616 and 617 for damages and statutory penalties.This is your final warning. Remove all fraudulent data immediately or face the legal consequences.

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 2025-08-21 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: CO

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I am submitting a formal dispute. This complaint is not made in error. My credit report contains inaccurate information that fails to meet the Fair Credit Reporting Acts standard of maximum possible accuracy. These errors are causing ongoing, material 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 explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Experian is inaccurately reporting late payments on XXXX open accounts : XXXX XXXX XXXX, account number XXXXXXXX XXXX XXXX XXXX XXXX listed as open with a balance of {$490.00} and showing a late payment on XX/XX/year>, and XXXX XXXX, account number XXXXXXXX XXXX XXXX XXXX XXXX listed as open with a balance of {$1200.00} and showing a late payment on XX/XX/year>. 

I know with absolute certainty that these reported late payments are not accurate. They are either the result of an error or a failure by Experian to properly validate the information before including it on my credit report. Under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681e ( b ), Experian has an obligation to ensure that consumer reports are accurate and fairly represent the consumers true credit history. These reported delinquencies are not only wrong, but they create a false and damaging picture of my reliability as a borrower. 

The seriousness of this matter is compounded by the fact that I have previously disputed these inaccuracies. Instead of conducting a meaningful reinvestigation, as required under 15 U.S.C. 1681i, Experian responded with the same unverified information. This is not compliance with the law. A proper reinvestigation means Experian must obtain sufficient proof from the furnisher that a late payment actually occurred. Simply parroting back what was already in the system without documented evidence violates both the letter and spirit of the FCRA. 

Because of these errors, my credit profile has been unfairly tarnished. I have already faced consequences : higher interest rates, denials for more favorable credit offers, and the embarrassment of being judged as financially irresponsible when I am not. These kinds of obstacles are exactly what the FCRA was designed to prevent when it mandated maximum possible accuracy and fair dispute handling.

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 2025-08-21 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: FL

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made. 

I have reviewed my credit report and found inaccurate information. I request that you help me dispute these inaccurate information I have included in the letter I attach to this complaint. The letter contains my intention to investigate each items and how I would like them to conduct investigation and provide me proof how they look into these accounts in error listed on my credit report. I have also attached my credit report for your reference to investigate. I need them to delete and block these inaccurate accounts from reflecting on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER is a debt collector. They are falsely reporting on my credit!! Account number is XXXX vis 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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing a complaint regarding inaccurate credit reporting with Equifax. An account listed as XXXX XXXX XXXX Ref : XXXX was reported with an original balance of {$470.00} and has been paid in full with a current balance of {$0.00}. 



Despite this, my credit report continues to show the notation Consumer disputes reinvestigation in progress. This is misleading, as the account is resolved and no longer in dispute. 



This violates my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ), 1681i ( a ), and 1681s-2 ( b ) ), which require consumer reporting agencies and furnishers to ensure maximum possible accuracy and to promptly update account statuses. Equifax has denied me access to dispute the account for about 3 months also failing to conduct any proper investigation and a refusal of a validation method. 



I am requesting that the CFPB require Equifax to remove this inaccurate dispute comment or delete the account entirely if it can not be corrected. This continued misreporting negatively impacts my credit profile and financial opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Williams & Fudge, Inc
State: WA

Complaint narrative:
On XX/XX/2025, I was notified by a family member that a collector from Williams & Fudge collection agency and contacted them looking for me. I called the number they provided at XXXX XXXX  PST, I requested all documentation regarding the alleged debt, and I strongly and clearly demanded that they cease all phone communication with myself and with anyone related to me. I provided a current mailing address for them to contact me with via mail. I have proof that this contact did take place. I was also informed that the phone call was being recorded so this collector also has proof that they were instructed not to contact me via phone. 

On XX/XX/2025, I again received notification from a family member that these collectors contacted them again looking for me. I want to make it perfectly clear that they ARE NOT to contact myself or anyone else in regards to the debt they allege I owe. As of this new contact, they have violated the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: United Shore Financial Services, LLC
State: CT

Complaint narrative:
I am disputing an inaccurate late payment reporting for XX/XX/year> on my mortgage account, which has caused harm to my credit and issues with my new servicer ( XXXX XXXX ). 
I made my XX/XX/year> mortgage payment in XXXX parts : a money order ( sent by XXXX, confirmed delivered on XX/XX/year> ) and a bank transfer. Despite this, my payment was not credited in time because UWM misplaced the check internally. Weeks later, after multiple calls from me, UWM found the payment. 
UWMs agent refused my attempt to make a partial payment while the check was in transit, even though I repeatedly called to explain the situation. 
UWM then reported the account as late, assessed late fees, and transmitted this inaccurate delinquency to my new servicer, XXXX XXXX. 
The negative reporting is inaccurate and harmful. I acted in good faith, provided timely payment, and maintained communication with UWM throughout. 

Requested Resolution : XXXX. Removal of the XX/XX/year> late payment from my credit report with all bureaus. 
XXXX. Reversal of late fees assessed. 
XXXX. Correction of the records provided to XXXX XXXX so my account is accurately reflected. 

Supporting Information : XXXX proof of delivery of money order ( XX/XX/year> ) Call records of multiple attempts to notify UWM of the payment UWMs acknowledgment that they later found the check This situation is a direct result of UWMs internal mishandling and not borrower error. I am requesting immediate correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: NC

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 : INQUIRIES : XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2300.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$150.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX - Account Number : XXXXXXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2100.00} XXXX  - Account Number : XXXXXXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1600.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4400.00} 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 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 non-monetary relief
Consumer complaint received 2025-08-21 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: IL

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence of Engelhardt v Gravens ( mo ) 281 SW715,719, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.

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 2025-08-21 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:
I have not supplied under the doctrine of estoppel by the silence of Engelhardt v Gravens ( mo ) 281 SW715,719, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.

Company response to consumer: Closed with non-monetary relief