vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-03 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: TX

Complaint narrative:
I have previously disputed with TransUnion, XXXX and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-04-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
I called PHH Mortgage after receiving my yearly escrow analysis to see how to rectify a situation with my XXXX XXXX tax exemption missing in XXXX of 2025, and was directed to email proof of my tax exemption documents ( even though every other company I have used automatically does this ). I submitted my documents via email XX/XX/year> and was told to wait 7-10 days for review. After more than 10 days with no follow-up, I called to review the status of my documents. I was informed the company had until XX/XX/XXXX to review my documents. I waited until XX/XX/XXXX to contact the company because I received NO follow-up and was informed that my complaint was escalated at that time, but I need to pay my inflated mortgage payment. The company stated to wait 10 days for review of the escalation and simply stated I need to pay my inflated mortgage promising me a refund of the inflated amount, which I do not believe based on their lack of service and follow through.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: SC

Complaint narrative:
I have disputed these accounts with Equifax multiple times asking that they remove the inaccuracies because I'm certain they can not validate these debts as being mine. they have failed to do so. They have also failed to correct this behavior. this is my very last attempt to correct these accounts. Please also note i was affected by the data breach and have sent in the dispute along with the files proving this as well. the company continues to send stall letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-03 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-04-03 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: IN

Complaint narrative:
Kindly remove the unauthorized accounts from my credit report at your earliest convenience. I did not authorize or recognize these accounts, and their origin is unknown to me. Per XXXX XXXX, I am requesting their deletion within the next 15 days. The attached documents provide relevant details for your review. Furthermore, discrepancies exist in how the accounts are reported to each credit bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Contents of Complaint : This CFPB complaint has been filed to request pursuant to XXXX XXXX XXXX XXXX XXXX XXXX  ) that you, the XXXX credit XXXX XXXX XXXX block  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, inaccurate, and false information consists of a personal credit card account. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. 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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: EQUIFAX, INC.
State: MI

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the XXXX XXXX XXXX. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: MOHELA
State: MI

Complaint narrative:
I am reporting inaccuracies on my credit report stating that I am still paying on my student loan when my student loan was paid off in XX/XX/scrub>XXXX 2024. So now it is showing that my financial debt is higher than it is and causing my debt to ratio appear to be risky.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: IL

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 XXXX of the Fair Credit Reporting Act.

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 2025-04-03 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: TN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I contacted Equifax to remove an old account from my file but instead of removing it they updated the date of first delinquency to XX/XX/year>. I have provided proof to Equifax and Experian that the account has been settled but they continue to report the wrong amount of my final payment. The account is XXXX XXXX past its DFD and should be removed entirely from my credit profile.

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 2025-04-03 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: CA

Complaint narrative:
After reviewing my consumer credit report there are accounts i do not recognize due to fraudulent activity

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have been using my account for withdrawals and purchases abroad, and suddenly my card was blocked, which has caused me problems since it is the only card I have while Im overseas. I have called customer service several times, but they have never been able to resolve this issue.

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 2025-04-03 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXXXXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX # XXXX - Date Opened XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this complaint against Experian and TransUnion for violations of FCRA 1681e ( b ), which requires credit bureaus to ensure maximum possible accuracy and consistency in consumer reporting.

This complaint pertains to two accounts : XXXXXXXX XXXX Account ending in XXXX XXXX XXXX Account XXXX XXXX XXXX I filed a formal FTC Identity Theft Report ( FTC Report XXXX : XXXX ) on XX/XX/XXXX and submitted all required documentation under FCRA 605B to Experian and TransUnion. 

XXXX has already corrected and removed all late payments for both of these accounts, confirming the data was inaccurate and unverifiable. 

However, XXXX and TransUnion continue to report this false information, causing significant harm to my credit file and violating their duty under FCRA 1681e ( b ) to report data that is consistent and accurate across bureaus. 

Additionally, the XXXX XXXX account XXXX XXXX ) is showing two back-to-back 30-day late payments, which is not only misleading, it is factually and mathematically impossible. One missed payment would roll into a 60-day status, not reflect as two separate 30-day lates. 

This is further proof that the information being reported is inaccurate, inconsistent, and harmful to my creditworthiness.

What I Am Requesting : 1. Immediate correction of the payment history for both accounts across all bureaus 2. Removal of the inaccurate 30-day late reporting on the Comenity/Ulta account 3 . A formal investigation into the inconsistent handling of verified consumer data 4. Confirmation that FCRA 1681e ( b ) obligations are being followed going forward Uploaded Documents to Support This Complaint : FTC Identity Theft Report ( Filed XX/XX/XXXX ) Copy of my government-issued ID Proof of current address Screenshot from XXXX showing both accounts as 100 % paid on time The reporting from Experian and TransUnion is now clearly inconsistent, inaccurate, and unsupported by the furnishers themselves. These failures violate federal law and continue to unfairly impact my ability to access credit and rebuild my financial future.

Please take enforcement action to correct these errors 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 2025-04-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
Dear American Express Dispute Resolution Team, I am writing to formally request a full refund of {$140.00} from XXXX, also known as XXXX, due to an incident that left my family stranded in XXXX, New Jersey on XX/XX/XXXX in which they did not deliver on the full services that I purchased. This situation forced us to arrange alternative transportation later in the day and resulted in missed important events. 
At approximately XXXX AM on the date in question, my family attempted to board the XXXX AM bus as scheduled. However, the bus driver refused to allow us entry. His actions were highly distressing and appeared discriminatory, as he noticed we were XXXX and ignored our repeated requests to board. Despite our efforts to explain the situation, he simply mouthed no through the door, claiming it was already XXXX AM, which was not the case. The bus departed at XXXX AM, as evidenced by time-stamped photos and videos and pictures I have of the incident. 
Immediately following this incident, I contacted XXXX XXXX customer service line. They apologized and advised me to submit a refund request through their website, which I completed promptly that same day. After providing all requested information, I was informed that an investigation would take 6-8 weeks. On XX/XX/XXXX, I received an email from XXXX 's executive customer support requesting additional information, which I provided. Since then, I have received no further communication or resolution. 
Recently, I learned from American Express that XXXX claims I did not attempt to contact them regarding this matter. This is categorically false. I have provided time-stamped email communications that clearly demonstrate my efforts to resolve this situation. Greyhounds denial of my claim is both dishonest and unacceptable. 
As a loyal American Express cardholder since XXXX with a sterling record, I am turning to you for assistance in rectifying this matter. I trust that you will advocate on my behalf to ensure this unresolved issue is appropriately addressed. I am happy to provide any additional supporting documentation you require. 
Thank you for your attention and support.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-03 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: MS

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently discovered incorrect information on my report, and it is unfairly lowering my scores. These errors have already created obstacles for me, and I should not have to suffer because of mistakes that are not my fault.

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 2025-04-03 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: GA

Complaint narrative:
am disputing inaccurate late payments reported on my credit report for the following account : XXXXXXXX XXXX  ending in reported a late payment for XX/XX/year>. This entry is incorrect and does not reflect my actual payment history. I demand its immediate removal from my credit report. 

T

ransUnions failure to correct this inaccuracy violates my rights under the Fair Credit Reporting Act ( FCRA ). U

nder Section 609 ( a ) ( 1 ) of the FCRA, I have the right to dispute inaccurate information. Section 607 ( b ) mandates that only accurate data be reported. If TransUnion can not provide verifiable documentation to support this alleged late payment, I expect it to be deleted, as required by Section 611 ( a ) ( 5 ) ( A ) of the FCRA. Additionally, under the Fair Credit Billing Act ( FCBA ), specifically 15 U.S. Code 1666 and 15 U.S. Code 1666b, creditors are obliga
ted to correct billing errors, including the incorrect reporting of late payments. If TransUnion can not substantiate this late payment, I insist on prompt correction in accordance with both the FCRA and FCBA.

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