vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-14 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: PR

Complaint narrative:
Since all disputes are converted into numerical codes and transmitted to the creditor, whose " investigation '' consists simply of searching an account to find a " match, '' your agency 's investigation process is : Automated, Hands-off, performed as quickly and inexpensively as possible, designed to verify nothing.

I sent a dispute letter last month requesting that you remove the following inaccurate accounts and IT WAS IGNORED. 

XXXX XXXX Between XXXX and XXXX XXXX, the account mentioned above was reported as a XXXX  account ( transferred to collection, as explained in the Payments Remarks Key section of my report ). Please

check payment history. If one contacts this company, they asked me to contact the collection company.

Remove this account IMMEDIATELY for these three reasons : 1. The original account shows late payments AFTER this account was sold to a collection agency.

2. The original account shows a balance even though it was sold to this collection agency.

3. The original account shows a past due even though it was sold to this collection agency. 

Full Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  SS Number : XXXX Email Contact XXXX Phone 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 non-monetary relief
Consumer complaint received 2025-08-14 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: NJ

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 an 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 non-monetary relief
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

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

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$10000.00} XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$7500.00} 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 explanation
Consumer complaint received 2025-08-14 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: MD

Complaint narrative:
I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-08-14 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: OH

Complaint narrative:
I am formally disputing multiple inaccurate accounts that have been reported on my consumer report by both a creditor and the credit reporting agencies. These inaccuracies are causing me significant financial and personal harm, and I believe the involved parties have violated multiple consumer protection laws. I am seeking your immediate assistance in ensuring they are held accountable for these violations and that my report is corrected without further delay. 
The accounts in question are : None ( XXXX XXXX XXXX XXXX ( Account Number : XXXX XXXX XXXX XXXX  I have previously put the credit reporting agencies and furnishers on notice regarding these inaccuracies through multiple written disputes, yet no corrective action has been taken. Enclosed are my prior letters to Equifax, XXXX, and TransUnion, as well as my FTC Identity Theft Report ( Report Number : XXXX ), which serves as proof of the fraudulent nature of these accounts. 
Violations of Consumer Protection Laws These credit reporting agencies and furnishers have failed to comply with federal laws designed to protect consumers, including but not limited to : Fair Credit Reporting Act ( FCRA ) Violations : 15 U.S.C. 1681i Failure to conduct a reasonable reinvestigation and correct inaccurate information.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishing inaccurate information to consumer reporting agencies.

15 U.S.C. 1681c-2 Failure to block information resulting from identity theft upon proper notification.

Fair Debt Collection Practices Act ( FDCPA ) Violations : 15 U.S.C. 1692g ( a ) Failure to properly validate the alleged debt upon request.

15 U.S.C. 1692b ( 2 ) Unauthorized third-party disclosure of debt-related information.

15 U.S.C. 1692c Engaging in unlawful debt collection communications without my express consent.

Additionally, the misclassification of charged-off accounts may constitute an IRS violation , as charge-offs are treated as gross or ordinary income under IRS regulations. Misrepresenting these as collectible debts on my consumer report is both misleading and legally improper.

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 2025-08-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
I am selling my home because my wife has become ill and can no longer work full time. I've had a buyer in place since XXXX. The buyer is trying to assume my loan. The mortgage company, PHH Mortgage, has repeatedly delayed the closing because they don't want my buyer to have my interest rate. I have repeatedly contacted them, as has my realtor and the buyer 's realtor. We have supplied all paperwork as requested, yet they continue to delay and refuse to set a closing date. This is causing financial and emotional hardship because we can not make the mortgage payment any longer. This purchase should have closed in XXXX. We are in severe financial distress because it hasn't, not to mention the purchase of our new, smaller home has not been able to be completed. I was given the " direct contact '' information for the person working this case. Despite dozens of calls, that person has never answered their phone or returned voicemails. We are going to be in default even though we've had a buyer in place for months. This is not fair or right, simply because the mortgage company doesn't want the buyer to assume the loan. They are delaying with the hope that our sale will fail because of the delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: U.S. BANCORP
State: OH

Complaint narrative:
On XX/XX/XXXX, XXXX different ACH payments were made through US Bank. Both were payments had " glitches '' for a total of {$9500.00} never being received by either recipient. Upon conversations with US Bank, who eventually hung up on me, they have lost my {$9500.00} and put in a dispute. 

They have refused any action to resupply the funds at the current time so I can continue to pay my bills, and instead have shoulder-shrugged saying I can continue to just send over more of my funds or I can wait potentially XXXX more business weeks to receive temporary funds. 

This is theft of my money that they are claiming they have no power to resolve right now.

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 2025-08-14 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: CBC Companies, Inc.
State: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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: FL

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: HI

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, Navy Federal Credit Union ( NFCU ) charged me over {$600.00} in returned item fees on my XXXX XXXX Checking account XXXX. These fees were not the result of my actions, but of NFCUs failure to act after I repeatedly reported suspicious and unauthorized transactions to their fraud department before my account went negative. 

I notified NFCU about the fraud and requested that they stop or block the unauthorized activity. They failed to take timely action, allowing the same transactions to attempt multiple times, which triggered excessive {$29.00} returned item fees sometimes several in a single day. 

Specific fee amounts : XXXX XXXX : At least XXXX fees ( {$340.00} ) XX/XX/XXXX : XXXX fees ( {$260.00} ) XX/XX/XXXX : XXXX fees ( {$110.00} ) Because of NFCUs inaction, my checking account was drained and left with a negative balance for extended periods, preventing me from paying bills and leading to more missed payments and hardship. 

I asked NFCU to waive the fees and explained they resulted from fraud and their lack of intervention, but they refused. 

Recently, NFCU also took {$100.00} from my savings account without my consent to apply toward the disputed charges. I was using my savings to pay essential bills, and this seizure caused me to miss payments, fall behind, and incur further late fees. NFCU continues to attempt collection, and their actions have damaged my credit with late and negative reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: BlueChip Financial
State: MA

Complaint narrative:
I took out a loan XX/XX/XXXX after losing my job to help with bills. I took out a an installment loan for {$500.00}. I paid once or twice before I checked my account to see what my balance was and when my next payment was due. That's when I saw that I now owe over {$800.00} with an APR of XXXX XXXX! I've had issues with predatory lending before, but I thought this one was safe and reputable. I reached out to you guys immediately after I found out

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
This is now my third formal dispute. You have failed to meet your obligations under the FCRA to provide verifiable documentation proving the accuracy of the reported accounts. Under FCRA 1681e ( b ), credit bureaus must maintain maximum possible accuracy, and under FCRA 1681s-2 ( b ), furnishers must investigate disputed information. Failure to do so violates federal consumer protection laws, and I am prepared to escalate this matter further if not resolved promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have recently reviewed my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report they were not open by me.

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 2025-08-14 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: NC

Complaint narrative:
THE ACCOUNT THAT WERE DISPUTE ALREADY SEVERAL TIMES ARE UNDER THE XXXX  XXXX  XXXX AND THEY WERE PREVIOUSLY REMOVED DUE TO SHOWING AS UNDER A XXXX  AND HAS BEEN REINSERTED BACK ON THE ACCOUNT AS LATE OR CHARGE IN WHICH IS AGAINST MY CONSUMER RIGHTS. I HAVE SENT THEM NOTICE SEVERAL TIMES AND THEY COME BACK AND STATE THEY CANT SEE ID OR ADDITIONAL DOCUMENTS AS TYPE OF STALL TACTICS SO THEY CAN ASK FOR THE INFO AGAIN AND THEN DEEMED AS AN DUPLICATED. THIS IS HOW THEY SCAM/FRAUD PEOPLE ON THE CREDIT. THIS NEEDS TO STOP AND YOU AS CFPB NEED TO IMFORCE THE LAWS/STATUES

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : IXXXX 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 Balance : {$3200.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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: NJ

Complaint narrative:
TransUnion LLC XXXX XXXX XXXX XXXXXXXX, PA XXXX Re : Formal Dispute Inaccurate and Unverifiable Reporting by XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern : This is a formal dispute under FCRA 611 & 623 regarding the reporting of the above-referenced account. 

I have reviewed my credit file and identified multiple material inaccuracies in XXXX XXXX tradeline, including : XXXX. Misrepresentation of XXXX XXXX XXXX XXXX is a debt buyer, yet my file reflects past account activity as if they originated or serviced the account. This is misleading and violates FCRA 623 ( a ) ( 1 ) ( A ). 


XXXX. No Proof of Ownership The XXXX XXXX XXXX purchase of the account but fails to provide a Bill of Sale or chain of title from the original creditor ( XXXX XXXX XXXX XXXX XXXX XXXX. This violates FCRA 623 ( a ) ( 3 ) and FDCPA 809 ( b ). 


XXXX. Contradictory Status Reporting Closed and Outstanding simultaneously constitutes materially false reporting under FCRA 623 ( a ) ( XXXX ) ( A ). 


XXXX. Missing Date of First Delinquency ( DOFD ) Omission of DOFD violates FCRA 623 ( a ) ( XXXX ) and can unlawfully re-age the account. 


XXXX. Incomplete Payment History No payment history grid is provided, rendering the account unverifiable under FCRA 611 ( a ) ( 5 ) ( A ). 



Given these deficiencies, this tradeline is unverifiable and must be deleted from my file. If you maintain this account, you must provide : Proof of ownership from the original creditor. 

Full account history. 

DOFD documentation. 


If deletion is not made within XXXX  days, I will escalate this matter to the CFPB, FTC, and my State Attorney General.

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