vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-05 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: MI

Complaint narrative:
Complainant : XXXX XXXX XXXX Subject : Failure to Properly Investigate Disputed Late Payment Violation of FCRA and FCBA Filed Under : Fair Credit Reporting Act ( FCRA ) and Fair Credit Billing Act ( FCBA ) I, XXXX XXXX XXXX, am filing this complaint to report a failure by a credit reporting agency and/or data furnisher to properly investigate and correct an inaccurately reported late payment on my consumer credit file. This issue has persisted for over 35 days since my initial dispute, with no valid documentation provided to substantiate the accuracy of the derogatory information. 

This dispute was submitted directly by me, and I am asserting my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ) to ensure that only accurate, complete, and verifiable information is reported in my credit file. 

Nature of the Dispute I disputed a late payment reported on the following account : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The dispute was based on billing error provisions outlined under 15 U.S. Code 1666 ( b ), including : Failure to accurately reflect a payment or credit issued Computation or accounting errors Lack of proper advance notice ( minimum 21 days ) before assessing or reporting a late payment Despite this, I have not received any documentary proof that substantiates the creditor 's claim that I was late. According to 15 U.S.C. 1681i ( a ), the credit bureau is required to conduct a reasonable reinvestigation and remove any information that can not be verified. 

FCRA Violations This situation constitutes multiple violations of the FCRA : 15 U.S.C. 1681i ( a ) ( 1 ) : Failure to conduct a reasonable and timely reinvestigation 15 U.S.C. 1681i ( a ) ( 7 ) : Failure to provide the method of verification used, including the identity and contact information of the entity that verified the account 15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 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: FL

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit 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 explanation
Consumer complaint received 2025-07-05 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: TX

Complaint narrative:
Transunion Report shown on application was XXXX in actuality it is 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 2025-07-05 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: CA

Complaint narrative:
Credit Report by Experian indicates a XXXX XXXX credit card on the report. I never made a XXXX XXXX account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please removethese accounts and send me an updated copy of my report after the investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 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 kindly request the Consumer Financial Protection Bureau ( CFPB ) to assist me in the removal of unauthorized and fraudulent items from my credit file, which were opened without my consent. Your support in rectifying these fraudulent entries would significantly enhance the accuracy of my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 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: SC

Complaint narrative:
I kindly request the Consumer Financial Protection Bureau ( CFPB ) to assist me in the removal of unauthorized and fraudulent items from my credit file, which were opened without my consent. Your support in rectifying these fraudulent entries would significantly enhance the accuracy of my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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 filing this complaint because the credit bureaus have failed to remove unverified accounts from my credit report despite receiving multiple written disputes. Under the FCRA, Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), I have the right to request validation of any information reported on my credit file. These accounts have not been verified and no proper documentation was provided.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$850.00}. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance {$2400.00}. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$210.00}. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MORGAN STANLEY & CO. LLC
State: MA

Complaint narrative:
I just need my checking and premium savings accounts fixed correctly so I can finally send outgoing wire transfers online. 

I have tried mobile app on XXXX as well as full website and none of my checking or premium savings accounts are showing in the FROM dropdown option when sending a wire transfer. Only my brokerage account was showing. 

I will close all my accounts with E * Trade if this can not be fixed soon. Ive tried calling and chatting in several times now and still no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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:
I am filing this complaint because the credit bureaus have failed to remove unverified accounts from my credit report despite receiving multiple written disputes. Under the FCRA, Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), I have the right to request validation of any information reported on my credit file. These accounts have not been verified and no proper documentation was provided.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$850.00}. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance {$2400.00}. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$210.00}. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC
State: OH

Complaint narrative:
Every day for six months Westlake financial for a car loan constantly says Im late on my payments and charges me late fees and threatens repossession. I have never been late since the beginning of the loan they refuse to stop harassing me and they sent me mail saying that Im late and Ive never been late. I do automatic payments from my bank account on the XXXX  of every month being XXXX. They refused to stop harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: GA

Complaint narrative:
ive recently received a copy of my report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. these remarks have been detrimental to my life and credit health

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 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:
ive recently received a copy of my report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. these remarks have been detrimental to my life and credit health

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: NJ

Complaint narrative:
XX/XX/year> my original home owners company dropped me for underwriting reasons. I received a letter from them ( XXXX XXXX  XXXX  ), however nothing was received from Penny Mac. I then called them in XX/XX/year> and questioned if I still had home owners insurance because I had received a letter saying I did not. I was informed that I had insurance and nothing to worry about. I got another letter so I did call again and again was informed that it is showing that I am covered. 
More recently, this past XXXX Penny Mac, without notice, placed home owners coverage for the year lapse that I had. This fee was 3 times the amount that I was originally paying and there was no warning as to who would be my insurance provider and how much it would be. 
I called Penny Mac and they stated they informed me several times that Idid not have coverage but that is not true. I even questioned why they told me that I had coverage and Penny Mac advised that it was probably due to my original home owners not informing them. This is not true either. I found a form from my original home owners, XXXX XXXX XXXX, that states that Penny Mac was made aware of the underwriting/ removal of insurance in XXXX of XXXX. 

At this point I have had no choice but to send {$4000.00} to my escrow to pay for this lapse that I tried to ensure would not be a lapse. Despite me placing this high amount in escrow, my mortgage is still going up by several hundred dollars. 

I am looking for resolution regarding the lapse in home owners that I had in which I was trying to resolve as well as my increase in mortgage payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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:
I am requesting the immediate removal of any and all addresses listed on my credit file that do not match my current address. - ( Proof of address is enclosed to support my claim ) I have already submitted multiple requests regarding this matter, and to date, Equifax has failed to make the necessary corrections. This continued inaction is a direct violation of your legal obligation under the Fair Credit Reporting Act ( FCRA ) 611, which mandates that consumer reporting agencies must conduct a reasonable reinvestigation of disputes XXXX XXXX XXXX, XXXX, CA XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: FL

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: FL

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit 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 2025-07-05 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: NC

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 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report.

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I, XXXX XXXXXXXX, residing at XXXX XXXX XXXX XXXX XXXX XXXXXXXX, am writing to formally state that I have no knowledge of, nor did I authorize the opening or use of, the account in question that was fraudulently opened in my name.

I did not apply for, consent to, or benefit from this account, and I believe it was opened without my knowledge or permission, possibly as a result of identity theft. I discovered this unauthorized account on XX/XX/year>, and took immediate steps to report the matter to the appropriate parties.

I respectfully request that this account be fully investigated and permanently removed from my credit file. I also request that any negative or derogatory information related to this fraudulent account be corrected or deleted as appropriate.

I am willing to cooperate fully with any investigation and can provide supporting documentation if needed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this complaint because TransUnion has consistently failed to send me verification codes when I attempt to access my credit file through their online system. I confirmed directly with TransUnion over the phone that they have the correct phone number on file for me. Despite this, their system never successfully sends verification codes to that number, making it impossible to verify my identity through my phone number where it leaves me dependent solely on my email. 

This is not a user error it appears to be a deeper issue tied to TransUnions internal systems, specifically the phone number data they use for both login verification and fraud alert management. If my phone number can not be used for verification despite being correctly registered with them, this raises concerns about the integrity of their identity verification process and their handling of my data. 

Furthermore, I am uncomfortable relying on phone calls with representatives, as past experiences with other bureaus have resulted in a noticeable increase in spam/phishing texts and junk/scam callers shortly afterward. I prefer secure digital access, and TransUnions verification failure is effectively blocking that. 

I am requesting that TransUnion : Investigate and correct the issue with my phone number in their verification system Provide a secure and functional method for accessing my account Review how they handle and verify fraud alert-related contact data This ongoing failure directly impacts my ability to manage my credit securely and exercise my rights under the Fair Credit Reporting Act ( 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 explanation
Consumer complaint received 2025-07-05 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: MO

Complaint narrative:
I am writing to formally request a detailed explanation of the procedures your agency followed to verify the accuracy and completeness of the information currently under dispute, pursuant to 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification.

Under this section of the Fair Credit Reporting Act, I am entitled to a clear and complete description of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information that was contacted in connection with the disputed item. 

Please provide this information within 15 days of receiving this request, as required by federal law and your obligations under 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 non-monetary relief