vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-02 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 am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my 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 non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: MO

Complaint narrative:
I am a new homeowner as of XX/XX/XXXX. Upon purchase, I was told my real estate tax was in escrow, meaning I did not have to worry about paying real estate tax at the end of the year ( it is included in my monthly mortgage payments ). I could see in XX/XX/XXXX that my loan company, Mr.Cooper, paid out my real estate tax to XXXX XXXX XXXX in the amount ( {$1500.00} ) that was on my real estate tax bill. Months later I received a later in the mail from XXXX XXXX XXXX that my real estate tax was not paid. Upon further investigation into my tax bill and the information on my Mr Cooper account, I noticed that the locator numbers did not match up. In short, Mr Cooper paid the real estate tax to the wrong property. I reached out to Customer Service at Mr Cooper shortly after to get more information, and I was told to send a picture of my delinquent tax bill to their tax department for correction. I was told it would take up to XXXX business days to address the issue. This was back in XX/XX/XXXX. It is now XXXX and there has been no resolution. XXXX XXXX will put my property up for auction in XXXX so I am becoming worried that this will never get resolved by then. I have been on the customer service live chat more than 5 times, and each time I get told, " it is with the tax department '' .Due to their not being a payment to the correct property, XXXX XXXX has imposed fines on the tax. As of XX/XX/XXXX, the fine in total is {$220.00}. I have correspondence from Mr Cooper saying they would handle the fees. I will attach as much of the chat conversation receipts as I can.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: OK

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal 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 2025-06-02 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : # XX/XX/year> XXXX has violated my 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 2025-06-02 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: Servicer under contract with Federal Student Aid
State: AR

Complaint narrative:
U.S DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Demand for Deletion of Student Loan Accounts Under FERPA Dear US DEPT OF EDUCATION Representative, I am writing to formally demand the removal of student loan accounts listed on my credit report in accordance with the Family Educational Rights and Privacy Act ( FERPA ). Under FERPA, my education records are protected from unauthorized disclosure without my written consent. 
Since my student loan records originate from my educational file, any reporting of such accounts without my direct, written permission constitutes a violation of FERPA. As such, I am exercising my rights under federal law and requesting immediate deletion of all student loan accounts from my credit file. 
Pursuant to the Fair Credit Reporting Act ( FCRA ), I also request that you conduct an investigation into this matter and provide a written response within 30 days, as required by law. If the accounts are not removed, I demand a detailed explanation along with the specific legal grounds that permit their continued reporting. 
Please consider this letter as my formal dispute of these accounts. If these accounts are not deleted, I am prepared to escalate this matter by filing complaints with the U.S. Department of Education, the Consumer Financial Protection Bureau ( CFPB ), and other regulatory agencies as necessary.

I appreciate your immediate attention to this matter. Please confirm the deletion of the disputed accounts in writing.

Company response to consumer: Untimely response
Consumer complaint received 2025-06-02 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: PA

Complaint narrative:
Please check the information concerning the Equifax data breach below in attachments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
To Whom It May Concern : Upon reviewing my credit report, I have discovered certain inaccuracies that require attention : 1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX AV XXXX, MD XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, MD XXXX XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Potential Violations of the FCRA Reporting unverifiable debts is a direct violation of 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Please remove this inaccurate information from my credit report. 

XXXX. The status is incorrect for the following account XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Please remove this inaccurate information from my credit report. 

XXXX violation 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. Delete immediately XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Please remove this inaccurate information from my credit report.

11. Violation 15 USC code 1681 ( a ) Congressional Findings and statement of purpose - consumer 's right of privacy XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Please remove this inaccurate information from my credit report. 


In accordance with the provisions of the Fair Credit Reporting Act, I hereby request an investigation into and removal of these erroneous items from my credit report. It is my understanding that you are obligated to verify these items with the relevant creditor. Any information that can not be verified by the creditor should be promptly removed. I am aware that, as stipulated in 15 U.S.C. Sec. 1681i ( a ), you are required to conduct this reinvestigation within 30 days of receiving this letter.

Please send an updated copy of my credit report to the address provided above. According to the act, there should be no charge for this updated report. Additionally, I kindly request that you notify anyone who has received my credit report in the past six months of any necessary corrections. 

Thank you for your attention and assistance in resolving this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: NJ

Complaint narrative:
Due to a breach of my personal data, unauthorized accounts have been posted to my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete these items within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2100.00} Inquiries XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Date : XX/XX/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 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Due to being a victim of a recent data breach, unauthorized accounts have appeared on my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), I request immediate blocking and deletion within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts XXXX - Account Number : XXXX * * * * * * * * * * * * * * * * *, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXXXXXX XXXX - Account Number : XXXX * * * * * * * * * *, Date Opened : XX/XX/XXXX, Balance : {$490.00} XXXX XXXX  - Account Number : XXXX * * * * * * * * * * * * *, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX * * * * * * * * * * * * * * * * *, Date Opened : XX/XX/XXXX, Balance : {$4400.00} XXXX - Account Number XXXX XXXX * * * XXXX * * * * * * *, Date Opened : XX/XX/XXXX, Balance : {$5000.00} XXXX XXXX - Account Number : XXXX * * * * * * * * * * * * * * * * *, Date Opened : XX/XX/XXXX, Balance : {$3400.00} Inquiries XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX SERV Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have encountered difficulties accessing my Equifax Information Services account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: CL Holdings LLC
State: IL

Complaint narrative:
They contacted my fathers number ( XXXX ) and disclosed the exact amount they are requesting. I've attached a screenshot of the text they sent him.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Subject : Formal Complaint Inaccurate and Conflicting Reporting by XXXX XXXX  To Whom It May Concern : I am submitting this complaint against XXXX XXXX XXXX XXXX XXXX for the continued reporting of incorrect, outdated, and conflicting information on my credit reports across the three major credit bureaus. These inconsistencies are negatively affecting my credit profile and violate my rights as a consumer under several federal laws. 

Summary of What Is Happening : Inconsistent Account Status : XXXX  lists the account as Open. 

XXXX  and TransUnion list the same account as Closed. 

This contradiction is misleading to potential lenders and violates the standard of accuracy. 

Balance and Terms : All three bureaus report a balance of {$320.00} and 0 terms, even though the account is an installment type and the alleged debt appears to have been paid or resolved.

Dispute Process Mishandling : The comments section notes the dispute was resolved, but each bureau records a different resolution narrative : XXXX XXXX XXXX Account previously in dispute now resolved by data furnisher. '' XXXX : " Account previously in dispute now resolved reported by subscriber. '' TransUnion : " Dispute resolved reported by grantor. '' These vague, conflicting responses suggest no proper reinvestigation was conducted, violating FCRA reinvestigation rules. 

Payment History Reporting : XXXX  lists multiple CO ( charge-off ) notations for XXXX  which are unjustified, given the payment and resolution history. 

Laws Violated : FCRA 15 U.S. Code 1681s-2 Reporting inaccurate and conflicting information.

Failure to correct or delete information found to be inaccurate or unverifiable during a dispute investigation.

TILA 15 U.S. Code 1601 et seq.

Providing inaccurate financial information about the nature of the account and payment history.

GLBA Gramm-Leach-Bliley Act Mishandling and misreporting sensitive consumer financial data without ensuring proper safeguarding and accuracy.

ECOA Equal Credit Opportunity Act These errors may cause unjustified denial of credit opportunities and unequal treatment based on inaccurate information.

FDCPA 15 U.S. Code 1692g The debt collector failed to properly validate the debt and continued reporting after dispute resolution with no consumer proof or verification offered.

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 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
To Whom It May Concern : Upon reviewing my credit report, I have discovered certain inaccuracies that require attention : 1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX AV XXXX, MD XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, MD XXXX XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Potential Violations of the FCRA Reporting unverifiable debts is a direct violation of 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Please remove this inaccurate information from my credit report. 

XXXX. The status is incorrect for the following account XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Please remove this inaccurate information from my credit report. 

XXXX violation 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. Delete immediately XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Please remove this inaccurate information from my credit report.

11. Violation 15 USC code 1681 ( a ) Congressional Findings and statement of purpose - consumer 's right of privacy XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Please remove this inaccurate information from my credit report. 


In accordance with the provisions of the Fair Credit Reporting Act, I hereby request an investigation into and removal of these erroneous items from my credit report. It is my understanding that you are obligated to verify these items with the relevant creditor. Any information that can not be verified by the creditor should be promptly removed. I am aware that, as stipulated in 15 U.S.C. Sec. 1681i ( a ), you are required to conduct this reinvestigation within 30 days of receiving this letter.

Please send an updated copy of my credit report to the address provided above. According to the act, there should be no charge for this updated report. Additionally, I kindly request that you notify anyone who has received my credit report in the past six months of any necessary corrections. 

Thank you for your attention and assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief