vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-03 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: DE

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXXXXXX XXXX XXXX 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 2025-11-03 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: OH

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: Texas Guaranteed
State: TX

Complaint narrative:
I am submitting a formal complaint regarding XXXX charged-off accounts listed under the name XXXX, both associated with account number # XXXX. These accounts are being reported as charged off, but they are not mine, and I have no knowledge or affiliation with them. 
I have never received any debt validation from XXXX despite my prior requests. These accounts appear to be fraudulent or misattributed, and their presence on my credit report is causing significant harm to my credit score and financial standing. 
This situation violates my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Specifically : XXXX has failed to provide proper validation of the alleged debts. 
The accounts are being falsely reported as charged off, which is misleading and damaging. 
I have not received any documentation proving that these debts are legitimate or that XXXX has the legal right to collect them. 

Requested Resolution : Immediate removal of both XXXX  accounts from my credit report.

Cessation of all collection activity related to these accounts. 
Written confirmation that these accounts have been closed and will not be pursued further. 

I am requesting the CFPB to investigate this matter and ensure that XXXX complies with all federal consumer protection laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: MS

Complaint narrative:
I am disputing the following accounts, as they do not accurately reflect my credit history : Charged Off Accounts : XXXX, Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1700.00} Inquiries : XXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX Late Payments : XXXX, Account # : XXXX XXXX  XXXX, Account # : XXXX XXXX, Account # : XXXX XXXX, Account # : 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 2025-11-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NJ

Complaint narrative:
I performed a service for a customer who paid me using Zelle. They were supposed to send me {$18000.00} for the work completed, but they asked if they could send {$5000.00} only until the work was completed. I completed the work, they sent me {$5000.00} and then filed it as fraud, so Zelle shut my account down and wont open it or listen to what happened. I even went to my bank branch twice to try and fix it, and they wouldnt fix it even with my bank attempting to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am formally requesting the removal of this inaccurate account from my credit report, as I never authorized its creation or use. Enclosed are the necessary documents to verify and support my claim.

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 2025-11-03 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: GA

Complaint narrative:
I am disputing inaccurate or unverified information on my credit reports. The furnisher/CRA has not demonstrated accuracy or a reasonable investigation. Im requesting deletion if unverified, or complete correction of all fields ( dates, status, balance, payment history ). For late-payment issues, remove any late codes posted when payment was under XXXX days past due or otherwise misdated. Please update all XXXX  CRAs and provide written confirmation.

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 2025-11-03 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: MI

Complaint narrative:
I am filing a complaint against both TransUnion and Experian for failing to remove a bankruptcy from my credit report, even after XXXX  has deleted the same item. All three bureaus obtain public record data from third-party vendors ( like XXXX ) and operate under the same legal reporting standards ( Metro 2 and FCRA guidelines ). Therefore, if XXXX  found sufficient cause to delete the bankruptcy, the continued reporting by the other two bureaus suggests a failure to ensure accuracy, completeness, and consistency of the data they furnish.

I submitted disputes to both TransUnion and Experian, requesting deletion based on ( 1 ) XXXX  's deletion, and ( 2 ) the lack of verified documentation. Both agencies responded with vague claims of verification without offering documentation or explanation. Under FCRA 611 ( a ) ( 15 U.S.C. 1681i ( a ) ), a consumer reporting agency must delete disputed information if it can not be verified. If XXXX  could not verify it and removed it, then TransUnion and Experian either ( a ) failed to conduct a reasonable reinvestigation, or ( b ) are furnishing inaccurate and outdated data.

This inconsistency violates : FCRA 607 ( b ) Failure to follow reasonable procedures to ensure maximum possible accuracy ( 15 U.S.C. 1681e ( b ) ) FCRA 611 ( a ) Failure to delete unverifiable information 12 C.F.R. 1022.43 Furnishers must investigate and correct disputed information CFPB Guidance Requires companies to delete information they can not verify after a dispute ( source ) Relevant Case Law : TransUnion LLC v. Ramirez, 594 U.S. 413 ( 2021 ) Establishes that publishing inaccurate credit info can cause concrete harm.

Dun & Bradstreet , Inc. v. Greenmoss Builders , Inc., 472 U.S. 749 ( 1985 ) False reports of bankruptcy can constitute reputational harm and are subject to legal consequences.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Mercury Technologies, Inc.
State: MI

Complaint narrative:
Our company, owned by US citizens, opened a bank account with Mercury Bank on XX/XX/XXXX of XXXX. We sent {$300000.00} from another bank and received several dozen ACH and wire transfers from tax clients over the course of a month. We also made several other deposits, which resulted in between $ XXXX of funds in our account by month end. Throughout the month we made several ACH transfers for paying contractors, moved funds to another account from Mercury, and issued a couple of refunds. 

The week of XX/XX/XXXX, we set up recurring payments to pay our contractors and employees, the majority of whom have US bank accounts. Only one international wire to XXXX was set up and the rest were ACH transfers. In total, we set up about 20 transfers and to go out on XX/XX/XXXX. On the same day, we also received a payout from XXXX for about {$280000.00}, that brought the total account value to between {$800000.00} and {$900000.00}. 

After receiving emails that the ACHs and wire transfers went through, I received a notice of account restriction/freezing. Subsequently, 9 of the approximately 20 transfers were rejected and the rest went through. At that time I lost all account access and reached out to Mercury immediately. I was also contacted by Mercury support and told the account would be closed, our funds would be held indefinitely, and that they could not provide additional information. In total I have now reached out to 3 support staff, all who have given similar responses, telling me they can not give me any information and very rudely that each response would be the " final communication regarding this matter. '' This seems like fraud to me. Mecury was fine with accepting our money ( nearly $ XXXX! ), but then as soon as we started making transfers out to employees, they froze our funds and blocked our account. We have between 50-60 contractors and employees that depend on our business for their income. This could completely destroy our business and leave many contractors employees is in a very difficult position of not being able to receive their pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: NY

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: VA

Complaint narrative:
I am requesting a review of the following accounts and inquiries listed on my Experian credit report. Please verify the accuracy of the items and ensure compliance with the Fair Credit Reporting Act. If any of the items can not be verified, they should be removed or corrected. 

Charged Off Accounts : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$0.00} XXXX XXXX, XX/XX/XXXX, {$1200.00} XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$610.00} XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$1300.00} XXXX XXXX XXXXXX/XX/XXXX, {$2000.00} XXXX XXXX XXXXXX/XX/XXXX, {$1400.00} XXXX XXXX XXXXXX/XX/XXXX, {$7.00} XXXXXXXX XXXX XXXXXXXX, XX/XX/XXXX, {$6300.00} Inquiries : XXXXXXXX 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

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 2025-11-03 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: GA

Complaint narrative:
I am also disputing similar inaccurate and unverifiable information on my TransUnion report. 

Accounts in Dispute : XXXX XXXX XXXX XXXXXXXX, {$5600.00} XXXX XXXX XXXX XXXX XXXX ) XXXX, {$3000.00} XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX, {$270.00} XXXX XXXX XXXX, {$6700.00} Each of these accounts is listed as charged off or in collection, yet I have not received documentation showing that the accounts are valid or belong to me. Some of these items may also be incorrectly dated or duplicated across bureaus. 

Inquiries : XXXX XXXXXXXX I do not recall authorizing this inquiry. Please verify its legitimacy or remove it if found unauthorized. 

Late Payment Reporting : XXXX ( XXXX XXXX ) Showing late payment. I dispute this as inaccurate and request verification or deletion of the late mark if it can not be substantiated.

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 2025-11-03 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: TX

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-11-03 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: DE

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute certain items on my Equifax credit report. Below are the specific accounts and inquiries that I believe require further investigation for accuracy. I respectfully request that you review and correct these items as necessary. 

Charged Off Accounts XXXX XXXX XXXXXXXX ( Account # XXXX, XX/XX/XXXX, Balance : {$1100.00} ) XXXX XXXX ( Account # XXXX, XX/XX/XXXX, Balance : {$2100.00} ) XXXX XXXX ( Account # XXXX, XX/XX/XXXX, Balance : {$440.00} ) XXXX XXXX ( Account # XXXX, XX/XX/XXXX, Balance : {$3400.00} ) Please verify these entries for accuracy, and if any discrepancies are found, I request that they be corrected or removed from my report in accordance with the Fair Credit Reporting Act ( FCRA ). 

Late Payments : XXXX ( Account # XXXX, Date : Not Specified ) I request verification of the accuracy of this late payment and its proper reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: United Shore Financial Services, LLC
State: PA

Complaint narrative:
On XXXX I reached out to UWM to reduce my interest rate from 7.124 % to 6 % under the Pennsylvania Title 51 Section 7316. I received a letter by mail stating that they are denying my request because I did not qualify due to having purchased the house after entering XXXX XXXX service. That is not a requirement under PA Title 51. I attempted to resolve the issue from XXXX. I filed a complaint with the Pennsylvania Attorney General 's Office, at which point I got some action and the SCRA approval. Fast forward to XXXX when they sold my loan, come XXXX, they rescinded my benefit, and now owe me close to {$1000.00}. I have tried to contact them multiple times for a resolution and this is now a legal matter to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Apparently, I called the credit company because I got a card in the mail that stated that I was XXXX XXXX. I aint never been in the military on top of it and got wrong addresses. I never lived there. I have one address. I was living here three times I aint lived here. I moved away from XXXX XXXX XXXX in XXXX got live there XXXX and XXXX. And address other XXXX XXXX XXXX XXXX XXXX nj XXXX never live there and email mail not me XXXX never had that email and 3 companies credit XXXX  and trans union ex.that not me guy for company say not take it off with an attitude.

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 2025-11-03 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: SC

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency. 
FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period. 
Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

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 2025-11-03 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: OH

Complaint narrative:
Dear Sir/Madam, I am writing to file a formal dispute regarding the following accounts on my Experian credit report. These accounts contain inaccuracies that need to be corrected in compliance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXXXXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$23000.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Filed : XX/XX/XXXX Balance : {$0.00} Late Payment Accounts XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX 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