vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am submitting this complaint against TransUnion for failing to properly investigate a disputed charge-off account as required by the Fair Credit Reporting Act ( FCRA ). 

I have repeatedly disputed a XXXX XXXX account ( partial account number XXXXXXXX XXXX XXXX XXXX XXXX  ) showing a charged-off status on my TransUnion credit report. I have formally requested that TransUnion provide me with a description of the procedure used to verify this account, the name and address of the furnisher, and copies of all documents relied upon to verify its accuracy, under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( i ).

Over the past year, TransUnion has simply responded with verified but has refused to supply the documentation or description of their reinvestigation procedure. I sent a final certified dispute letter dated XX/XX/year> giving them 15 days to respond, but they did not fully comply with the FCRA.

This is a violation of 15 U.S.C. 1681i, which requires a reasonable reinvestigation, and a violation of 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( i ), which requires providing the method of verification when requested.

I am asking that TransUnion be ordered to either produce the full method of verification, including documentation they obtained to verify this account, or immediately delete the account from my credit report as unverifiable. 

I am also requesting the CFPB require TransUnion to explain why it has failed to comply with the FCRA over the course of more than a year of repeated 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 2025-07-02 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: MO

Complaint narrative:
I have encountered difficulties accessing my EQUIFAX 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 2025-07-02 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: GA

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

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : 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 Address : XXXX XXXX XXXX XXXX XXXX GA XXXX ACCOUNTS : XXXX XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year>, Balance : {$1800.00} XXXX XXXX - Account Number : XXXX * * * * XXXX, Date Opened : XX/XX/year>, Balance : {$530.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: LA

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

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

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OH

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

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have been in touch with this company multiple requesting information about the amount, list of fees charged to the account as well as any interest fee changes which resulted in the inaccurate amount. A claim was filed by this company, and it was dismissed. This has resulted in lost wages as well as time taken from work. This company is in violation of multiple TILA, FDCPA and FCRA laws and they refuse to comply or take this information off of my report until they have given the requested information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Exeter Finance, LLC.
State: AZ

Complaint narrative:
Ive spent months fixing and building my credit up so I can buy property. I called Exeter and asked if I paid off the collection with XXXX if they would remove their trade line and they said yes. After I paid off the collection XXXX removed the collection but Exeter did not remove their trade line as promised. When I call they lie to me and say they have no control over it. The reps at XXXX disagree and have told me to make a complaint and write a letter to Exeter to avoid their call department. Ive called and emailed and every time they say they cant help me. I just want the Exeter trade line removed. I paid it off in XXXX. The original loan started in 2018

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the reporting of Bankruptcy XXXX # XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 ( a ) states that I have the right to privacy.

15 U.S.C. 1681b Section 604 ( a ) ( 2 ) also states that a consumer reporting agency can not furnish a report without my written instructions.

15 U.S.C. 1681e ( b ) requires that information in a consumer report must be complete and accurate. Reporting a bankruptcy without verifying the source or ensuring accuracy is a violation of this section.

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 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to file a formal complaint against the credit bureaus [ Experian, Equifax, TransUnion ] and my mortgage servicer [ Insert Mortgage Company Name ] for inaccurately reporting late payments on my mortgage account for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

During this period, I was enrolled in a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX executed supplemental agreement. Under the terms of this agreement, the servicer agreed not to report any XXXX  credit information as long as I complied with the program, which I have done in full. 

Despite meeting all requirements, my credit reports show XXXX late payments for these months. This reporting is a direct violation of the agreements terms, has XXXX  XXXX  my credit, and XXXX XXXX XXXX XXXX 

I respectfully request that the CFPB investigate this matter, ensure the inaccurate late payments are promptly removed from my credit reports, and confirm that my mortgage servicer and the credit bureaus comply with HUD program guidelines.

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 2025-07-02 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: GA

Complaint narrative:
I am writing to file a formal complaint against the credit bureaus [ Experian, Equifax, TransUnion ] and my mortgage servicer [ Insert Mortgage Company Name ] for inaccurately reporting late payments on my mortgage account for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

During this period, I was enrolled in a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX executed supplemental agreement. Under the terms of this agreement, the servicer agreed not to report any XXXX  credit information as long as I complied with the program, which I have done in full. 

Despite meeting all requirements, my credit reports show XXXX late payments for these months. This reporting is a direct violation of the agreements terms, has XXXX  XXXX  my credit, and XXXX XXXX XXXX XXXX 

I respectfully request that the CFPB investigate this matter, ensure the inaccurate late payments are promptly removed from my credit reports, and confirm that my mortgage servicer and the credit bureaus comply with HUD program guidelines.

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 2025-07-02 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: TX

Complaint narrative:
I am disputing the reporting of a {$600.00} medical collection account that was added to my credit report on XX/XX/XXXX. According to the credit bureaus ' XX/XX/XXXX policy change, medical debt XXXX not be reported until at least 365 days from the original delinquency date not from the date of service. 
Unless the account was delinquent on XX/XX/XXXX which is highly unlikely this debt was reported too early and must be removed. Please provide official documentation showing the exact date of delinquency used to calculate the XXXX waiting period. If such documentation can not be provided, I request immediate removal under the bureaus published XX/XX/XXXX medical debt policy.

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 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NJ XXXX SSN : XXXX | XXXX : XX/XX/XXXX Email : XXXX XX/XX/XXXX Equifax P.O. XXXX XXXX, XXXX GA XXXX To Whom It May Concern, I am writing to formally dispute several items on my credit report as potentially fraudulent and to request their immediate removal under the Fair Credit Reporting Act ( FCRA ) and related federal consumer protection laws. 

On or about XX/XX/XXXX, XXXX XXXX XXXX XXXX that collects and stores sensitive consumer datasuffered a confirmed data breach, as filed with the Maine Attorney General 's Office. My full name, date of birth, Social Security number, driver license number, current and previous addresses, and other identifying data were part of the compromised information. 

Due to the extent of this breach, I have reason to believe that the following accounts and negative items on my credit report may be the result of identity theft, unauthorized access, or improper reporting. Therefore, I request the following : - XXXX XXXX {$2500.00} Charge-off - XXXX XXXX  {$0.00} Charged-off XXXX transferred/sold ) - XXXX {$1400.00} Charge-off - XXXX XXXX XXXXXXXX {$680.00} Charge-off - XXXXXXXX XXXX XXXX {$1000.00} XXXX account ( Comenity ) 1. Immediate reinvestigation of the accounts listed.

2. Removal of these items unless full verification can be produced showing I personally authorized and benefited from these debts.

3. Suspension or correction of any further adverse reporting related to these accounts. 
4. Update me in writing on the progress and conclusion of your investigation.

Please consider this notice a formal dispute and fraud-related identity theft alert. 

Enclosed : - Copy of my government-issued ID - Copy of the XXXX breach notification ( if available ) - Full credit report indicating disputed items Failure to comply may result in additional legal and regulatory filings with the Consumer Financial Protection Bureau XXXX CFPB ), Federal Trade Commission XXXX FTC ), and my state attorney general. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Email : XXXX RE : Account Dispute Account Number Ending in XXXX To Whom It XXXX Concern, I am writing to formally dispute the inaccurate reporting of my mortgage account currently being serviced or reported under XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Under the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX Code XXXX ( a ), furnishers of information to consumer reporting agencies are legally required to report accurate and complete information. The current reporting on my credit file incorrectly states that I am past due on this account. This is factually incorrect. 

Your own records confirm the following : The account balance is {$0.00}. 
The account was closed on XX/XX/XXXX. 
The account shows no outstanding past due amount. 

However, the account is still reporting as if I am currently past due and requiring payment. This reporting is false and misleading. 

Per the FCRA, I have the right to demand that only accurate, complete, and verifiable information is reported. Specifically, under FCRA XXXX ( a ), you are required to investigate this dispute and promptly correct or delete any information found to be inaccurate or unverifiable. 

I am requesting that the account be updated to reflect the accurate status : Account is Closed. 
Account was Paid in Full. 
There were No Late Payments associated with this account at the time of closure. 

I have also submitted this dispute simultaneously to the Consumer Financial Protection Bureau ( CFPB ) to ensure this matter is thoroughly addressed and corrected without delay. 

Please provide written confirmation once this account has been corrected and updated with all credit reporting agencies accordingly. 

Thank you for your timely attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Email : XXXX Phone : ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 XXXX XXXX XXXX XXXX XXXX XXXX 

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 non-monetary relief
Consumer complaint received 2025-07-02 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: WA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the Equifax Information Services XXXX XXXX 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all XXXX XXXX XXXX REMOVED from my credit report, except for XXXX XXXX XXXX XXXX XXXX listed below : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
XXXX XXXX XXXX {$230.00} XXXX XXXX XXXX {$230.00} XXXXXXXX XXXX XXXX  {$230.00} On XX/XX/year> XXXX applied for a XXXX XXXX XXXX received a letter from the mail claiming that my father 's home warranty was about to expire. Wanting to help my sick father, I called the number on the letter and gave them my Regions debit card number. I then received an email regarding that I'll receive a mail packet along with the ID in 7 business days. Those days passed and I never heard back from them. They just quietly withdraw money from the account. The only " receipt '' I had from them is the email notification. 

I filed a dispute with Regions bank about the home warranty on XX/XX/year>. They denied my claim saying that I needed more proof. I've send them the email receipt I got from the Home Warranty services and explained to Regions that I never got the services ( what I basically said on the first paragraph ). I still got denied. I've called the XXXX XXXX  service number as Regions bank told me to do about getting a receipt from them and it was led by an answering machine then they hung up.

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