vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged-Off Accounts XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$160.00} Inquiries XXXX XXXX  Date : XX/XX/XXXX Late Payments in Dispute XXXX  Account Number : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : 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 2025-12-15 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:
I am submitting this complaint regarding XXXX XXXX continued furnishing of inaccurate, contradictory, and unverifiable information on my consumer credit report for account number XXXX. This account has been disputed multiple times, yet the information continues to be reported without proper verification or supporting documentation, in violation of the Fair Credit Reporting Act. 

The account contains material inaccuracies, including conflicting dates, inconsistent account status, and balance discrepancies that can not all be accurate at the same time. The account has been reported as both closed due to inactivity and charged off, which is contradictory and misleading. Additionally, the reported balances and payment history are not supported by any transaction records, signed agreement, or account statements. 

Despite my repeated disputes, XXXX XXXX has failed to provide competent evidence establishing ownership of the debt or the accuracy of the information being furnished. No original contract, application, payment history, or charge-off documentation has been produced. Instead, the reporting has continued without lawful verification, causing ongoing harm to my credit profile. 

Further, this account is not reported consistently across consumer reporting agencies, which demonstrates that the data can not be reliably verified and does not meet the FCRAs requirement for maximum possible accuracy. The continued reporting of this account after notice of these issues reflects a failure to conduct a reasonable investigation and a disregard for federal consumer protection laws.

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 2025-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Ive recently contacted Citibank regarding a new debit card an fraudulent activity they said call back within XXXX hours its under investigation because there was a check that I never deposited into my account they closed my account within the XXXX hours with no notice I was never aware of the check an was trying to prevent this from happening now Im outta of a bank account an card an funds they are the worst bank Ive ever involved myself with an customer service is poor they repeat everything instead of listening my account is about to be closed rite before XXXX my child is loosing out on gifts because of this

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 2025-12-15 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: TX

Complaint narrative:
I have reviewed my credit report, and I have noticed that some items on my report inaccurate and needs to be removed and validated on 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 2025-12-15 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: CA

Complaint narrative:
I am filing this complaint regarding ongoing violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., by XXXX XXXX, XXXX. and the consumer reporting agencies Equifax, Experian, and TransUnion. 

Despite multiple disputes, my credit reports continue to contain materially inaccurate, internally contradictory, and legally unverifiable information. The same accounts are reported in mutually exclusive factual states across the bureaus, including conflicting delinquency levels, charge-off statuses, and postcharge-off payment histories. Information reported in this manner can not be accurate and must be deleted under the FCRA. 

XXXX XXXX, in particular, continues to furnish inaccurate information despite being on actual regulatory notice. The Consumer Financial Protection Bureau has previously taken enforcement action against XXXX XXXX for unlawful practices that resulted in inaccurate credit reporting. XXXX XXXX therefore can not plausibly claim mistake or clerical error. Continued furnishing of inaccurate data after notice constitutes willful and reckless noncompliance under 15 U.S.C. 1681n. 

The consumer reporting agencies have also failed to conduct reasonable reinvestigations as required by 15 U.S.C. 1681i. Instead of deleting unverifiable data, the bureaus have continued to publish the same inaccurate information, sometimes with cosmetic updates, which does not satisfy statutory compliance. 

The inaccurate reporting includes, but is not limited to : Charge-off accounts simultaneously reported with ongoing delinquency Conflicting account statuses across bureaus Postcharge-off derogatory payment histories Collection accounts reported without verifiable chain of title Re-aging and misleading payment history progression This conduct has caused substantial harm, including credit score suppression, denial of credit opportunities, emotional distress, and ongoing financial injury.

I have attached my Second Notice/ Final Legal Demand documenting these violations in detail.

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 2025-12-15 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: CA

Complaint narrative:
I am filing this complaint regarding ongoing violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., by XXXX XXXX, XXXX. and the consumer reporting agencies Equifax, Experian, and TransUnion. 

Despite multiple disputes, my credit reports continue to contain materially inaccurate, internally contradictory, and legally unverifiable information. The same accounts are reported in mutually exclusive factual states across the bureaus, including conflicting delinquency levels, charge-off statuses, and postcharge-off payment histories. Information reported in this manner can not be accurate and must be deleted under the FCRA. 

XXXX XXXX, in particular, continues to furnish inaccurate information despite being on actual regulatory notice. The Consumer Financial Protection Bureau has previously taken enforcement action against XXXX XXXX for unlawful practices that resulted in inaccurate credit reporting. XXXX XXXX therefore can not plausibly claim mistake or clerical error. Continued furnishing of inaccurate data after notice constitutes willful and reckless noncompliance under 15 U.S.C. 1681n. 

The consumer reporting agencies have also failed to conduct reasonable reinvestigations as required by 15 U.S.C. 1681i. Instead of deleting unverifiable data, the bureaus have continued to publish the same inaccurate information, sometimes with cosmetic updates, which does not satisfy statutory compliance. 

The inaccurate reporting includes, but is not limited to : Charge-off accounts simultaneously reported with ongoing delinquency Conflicting account statuses across bureaus Postcharge-off derogatory payment histories Collection accounts reported without verifiable chain of title Re-aging and misleading payment history progression This conduct has caused substantial harm, including credit score suppression, denial of credit opportunities, emotional distress, and ongoing financial injury.

I have attached my Second Notice/ Final Legal Demand documenting these violations in detail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: FL

Complaint narrative:
Company complained about : Experian Information Solutions , Inc . 
Related furnisher : XXXX XXXX XXXX XXXX XXXX XXXX 
Account : XXXX What happened? 

I am filing this complaint because Experian failed to conduct a reasonable reinvestigation and continues to report information that the furnisher has admitted is inaccurate. 

On XX/XX/XXXX, I sent XXXX XXXX XXXX XXXX XXXX a certified-mail debt validation request, which was delivered on XX/XX/XXXX. XXXX XXXX XXXX failed to properly validate the debt within the required timeframe. 

I then disputed this account with Experian on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Each dispute included the original debt validation request, proof of mailing and delivery, and supporting documentation showing the debt was never validated. Despite receiving this evidence, Experian repeatedly marked the account as Verified and Updated. 

After these disputes, I filed CFPB Complaint No. XXXX against XXXX XXXX XXXX XXXX In response to that complaint, XXXX XXXX XXXX submitted documentation to the CFPB admitting that the account was inaccurate. Specifically, the furnisher stated : XXXX should not have been charged for XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. 

This is a written admission by the furnisher that the reported balance was factually incorrect. That document was provided to Experian and attached to my dispute on XX/XX/XXXX. 

Despite this admission of inaccuracy, Experian continued to report and verify the account. Once the furnisher admitted the charge should not have been assessed, the tradeline became factually inaccurate and legally unverifiable, and Experian was required to delete it. 

Experians continued reporting after this admission demonstrates a failure to conduct a reasonable reinvestigation and a reckless disregard for the accuracy of my credit report. 



Supporting documents attached Original debt validation request and proof of delivery Dispute submissions to Experian ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) CFPB Complaint No. XXXX XXXX XXXX XXXX CFPB response containing the move-out admission

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 2025-12-15 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:
Please see the attached file. I am filing this complaint due to noncompliance with the FCRA. My consumer report contains inaccurate personal information, unverified accounts, and unauthorized inquiries that were added without my authorization. Despite my dispute, the company failed to properly verify or correct these items as required under FCRA 1681e ( b ) and 1681i, causing financial harm and violating my privacy.

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 2025-12-15 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: AR

Complaint narrative:
I am disputing a late payment on my consumer report that is incorrect. The account has never been late, and the creditor provided no proof. This item must be corrected to paid as agreed and never late. This account was reported without my written consent, constitutes identity theft, and violates 15 U.S.C. 1681b ( permissible purpose ). Under 15 U.S.C. 1681e ( b ) and 1681i ( a ) ( 5 ), you are required to ensure accuracy and promptly delete or correct unverifiable information. I demand that this item be corrected or removed immediately. Continued failure to comply may result in legal action for damages.

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 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
they are in violation of FRCA 15 U, S. code 1681 ( E ) and 15 US code 1681 ( i )

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 2025-12-15 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:
After reviewing my credit report, I identified inaccuracies that need to be addressed. I am writing to formally dispute fraudulent accounts that currently appear on my credit report. These accounts are reported by collection agencies that I do not recognize, including XXXX XXXX, XXXX XXXX, and XXXX XXXX. I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), which entitles me to a fair and accurate credit report. Therefore, I respectfully request that your agency conduct a thorough investigation into this matter and take the necessary steps to remove the disputed item within the 30-day time frame, as required by the FCRA.

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 2025-12-15 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: FL

Complaint narrative:
I am disputing a late payment on my consumer report that is incorrect. The account has never been late, and the creditor provided no proof. This item must be corrected to paid as agreed and never late. This account was reported without my written consent, constitutes identity theft, and violates 15 U.S.C. 1681b ( permissible purpose ). Under 15 U.S.C. 1681e ( b ) and 1681i ( a ) ( 5 ), you are required to ensure accuracy and promptly delete or correct unverifiable information. I demand that this item be corrected or removed immediately. Continued failure to comply may result in legal action for damages.

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 2025-12-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am requesting the prompt removal of this erroneous late payment from my account. Given my history of timely payments, this entry is unfair and needs to be corrected immediately.

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 2025-12-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: LoanCare, LLC
State: DE

Complaint narrative:
In XX/XX/year>, I submitted a request to my mortgage servicer, LoanCare, to remove private mortgage insurance ( PMI ). I was told I would receive a written determination within 30 days. 

After approximately 60 days passed without receiving any letter or communication, I contacted LoanCare and was informed that the letter had not been sent and would be regenerated. I was then told my request had been denied because my loan-to-value ( LTV ) ratio was not yet at 80 %. 

This determination did not require a prolonged investigation, as my LTV status was readily available in my account records. LoanCare advised me that I could pursue PMI removal by requesting a broker price opinion ( BPO ) or appraisal to establish eligibility based on current property value, but stated I was close to a deadline after which the process would need to start over. 

After returning from travel abroad, I was told I would need to restart the entire process and that a new investigation would be required, taking an additional 30 days. Over multiple calls, I received inconsistent and contradictory information from LoanCare representatives. I was alternately told that nothing could be done, that prior information was incorrect, and that I could rely on a previous denial letter to proceed.

During one call, I asked for a reference number so I could briefly confirm with my spouse whether we preferred a BPO or appraisal. When I called back approximately 15 minutes later, I was told that the prior representative was incorrect and that yet another investigation was required before any further action could be taken.

LoanCare ultimately issued repeated determinations denying PMI removal because my loan was not at 80 % LTVan outcome that was apparent from the beginning and did not require multiple 30-day investigations or delayed written notices. 

PMI has since been removed. However, I believe LoanCare engaged in unnecessary delays, inconsistent servicing practices, and repeated investigations that had no substantive purpose and resulted in continued PMI charges of approximately {$140.00} per month. 

I am requesting : A refund of PMI premiums paid from XX/XX/year> through XX/XX/year> due to unreasonable delay and improper handling of my request; and A review and investigation of LoanCares PMI servicing practices related to delayed determinations, inconsistent guidance, and unnecessary investigations.

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 2025-12-15 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: AL

Complaint narrative:
I reviewed my updated credit report hoping to see the deletions and corrections of what I previously submitted. I sent a complaint explaining the violations and reasons why it should be removed. Hence these accounts remain despite my prior disputes with the credit bureaus. The bureaus refusal to remove accounts resulting from identity theft is a blatant violation of FCRA 605B and demonstrates willful noncompliance. I demand immediate deletion of these fraudulent accounts, corrective disclosures, and enforcement action to hold the bureau accountable for its unlawful conduct. I demand immediate reinvestigation, deletion of unverifiable accounts, and full compliance with 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 2025-12-15 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the 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 2025-12-15 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief