vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
I am filing this complaint because XXXX XXXX is reporting a derogatory collection/charge-off account that is inaccurate, incomplete, and has not been properly investigated for over 90 days, despite multiple direct disputes. The account ( XXXX XXXX XXXX XXXX XXXX  ) was last updated in 2022, yet it continues to appear as an active derogatory account on my report This violates FCRA 607 ( b ) and FCRA 611 ( a ) because the information is outdated, misleading, and the furnisher failed to conduct a reasonable reinvestigation.

The tradeline shows Purchased by another lender, but the furnisher has not provided any proof of ownership, chain of title, or validation required under FCRA 623 ( a ) ( 1 ) ( A ) and XXXX reporting standards. It also shows severe delinquency codes ( XXXX ) that do not align with the dates reported. Since the debt has a {$0.00} balance and was sold, XXXX XXXX has no authority to continue reporting it as an active derogatory item.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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:
I am filing a complaint against XXXX, Equifax, and XXXX, as well as XXXX XXXX XXXX, regarding an unverified and inaccurately reported collection account that appears on all three of my credit reports. 

The account being reported is : Collection Agency : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX : {$600.00} Account Number : XXXX Date Opened : XX/XX/year> Status : Collection / unpaid I disputed this account with all three credit bureaus because the information is inaccurate, incomplete, and unverified. I requested supporting documentation including : A copy of the original service agreement with my signature Proof the collector has the legal right to collect this debt An itemized breakdown of the balance Complete account history from the original creditor None of the credit bureaus or XXXX XXXX XXXX provided validation or documentation as required under the Fair Credit Reporting Act ( FCRA 609, 611 ) and the Fair Debt Collection Practices Act ( FDCPA ).

Despite failing to verify the information, the credit bureaus continue to report this account as valid, which is a direct violation of the FCRAs accuracy and reinvestigation requirements.

This inaccurate reporting is harming my credit profile and causing financial hardship. I am requesting that the CFPB intervene to ensure : The credit bureaus either validate the account with proper documentation OR remove the account entirely. 

XXXX XXXX XXXX provides legally required verification or stops furnishing unverifiable information. 

I am attaching dispute letters and copies of the entries appearing on my credit reports. 

What resolution are you seeking? 

I am requesting removal of the XXXX XXXX XXXX collection account from all three credit reports unless full legal validation can be provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: MO

Complaint narrative:
This company has reported my payment 30 days past due. While I have been late, Ive never been 30 days past due. I have been working so hard on my credit. This is the second time they have done this. I will attach my payment history. There have been times that I make a payment on the due date but after 5 and they also count that late. I also have records of this company texting my work phone after I requested them to not contact me on that line. I had to turn off all notifications due to this. They were reminders that payments were coming due. Not even past due :

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 2025-11-14 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 submitting this follow-up complaint regarding fraudulent information on my credit report that remains unresolved, despite my previous complaint filed 30 days ago. I am disputing this information pursuant to 15 U.S.C. 1681c-2 and again request that the fraudulent/unauthorized accounts listed below be blocked or removed immediately.

I have attached a copy of my Identity Theft Report issued by the FTC ( FTC REPORT NUMBER : XXXX ) as evidence of my claim.

Under 15 U.S.C. 1681c-2, credit reporting agencies are required to block any information identified by the consumer as fraudulent within four ( 4 ) business days of receiving an identity theft report. However, despite my prior complaint and multiple attempts to resolve this issue directly with TransUnion, the following fraudulent accounts remain on my credit report : XXXX - XXXX These accounts are fraudulent and must be blocked immediately. The continued presence of these accounts is severely damaging my creditworthiness and is preventing me from purchasing a home and accessing essential financial services to support my family and economic stability.

I have requested verification and copies of contracts related to these accounts from the reporting company, but after more than 60 days, I have received no response. Additionally, these accounts have been removed by other credit reporting agencies due to lack of verification, yet TransUnion continues to report them as mine without proper validation.

I respectfully urge the CFPB to intervene and ensure that TransUnion complies with federal law by blocking these fraudulent accounts immediately and providing me with confirmation of such action.

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 2025-11-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: United Shore Financial Services, LLC
State: FL

Complaint narrative:
Good morning. Im requesting CFPB assistance regarding my mortgage serviced/originated on XX/XX/XXXX by United Wholesale Mortgage ( UWM ) and owned/subject to XXXX Mae. 

My loan was on XX/XX/XXXX labeled defective because I inadvertently omitted a XXXX XXXX XXXX payment plan at application. This was a good-faith mistake ( it was presented to me as an in-office, no-interest short plan ). I immediately paid the dental plan balance in full ( now {$0.00} ) and sent to UWM proof plus a Letter of Explanation, on-time payment history, income, and family support. 

Since XX/XX/XXXX, I have attempted to cure and requested re-underwrite with corrected XXXX, but UWM says XXXX XXXX  upheld denial and that the only remedy is full payoff/refi or sale, and I have unit XX/XX/XXXX to do so. 

I have no late payments ; this is my primary residence for my children ( and my mother seasonally ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: GA

Complaint narrative:
I am writing to dispute certain items on my Experian credit report. The following accounts are inaccurate and should be investigated for removal or correction : INQUIRIES : XXXX XXXX XXXX, Date : XX/XX/year> XXXX XXXX XXXX Date : XX/XX/year>XXXX XXXX XXXX, Date XXXX XX/XX/year>

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 2025-11-14 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: OH

Complaint narrative:
Dear Sir/Madam, I am disputing multiple accounts, inquiries, and late payment records on my Experian credit file. Please see below the details of the disputed items that need further investigation : Charged-Off Accounts : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reason for Dispute : This account has been inaccurately reported as charged-off. 

XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reason for Dispute : I have no recollection of this account being charged off and request verification. 

XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00} Reason for Dispute : The balance is significantly higher than expected ; I request an explanation and verification. 

XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3900.00} Reason for Dispute : There is no record of this account 's origin, and I request verification. 

XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$470.00} Reason for Dispute : Requesting proof of debt and status. 

Inquiries : XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX Reason for Dispute : I do not recognize this inquiry and request its removal. 

Late Payments : XXXX  Account Number : XXXX Reason for Dispute : Inaccurate late payment reporting. I request verification of the payment history.

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 2025-11-14 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: TX

Complaint narrative:
I have no knowledge of these inquiries, and they seem to be unauthorized and possibly fraudulent. I request immediate action to resolve this matter. Please review the attached documents for further clarification.

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 2025-11-14 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: Experian Information Solutions Inc.
State: GA

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 XXXX  ] Account Number : [ XXXX ] Creditor Name : XXXX XXXX XXXXXXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : XXXX XXXX XXXX XXXX XXXX Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX  Account Number : [ XXXX ] 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 explanation
Consumer complaint received 2025-11-14 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:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. 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 non-monetary relief
Consumer complaint received 2025-11-14 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Closed Accounts Not Belonging to Me Dear [ Recipient 's Name ], I hope this letter finds you well. I am writing to formally dispute the closed accounts listed on my credit report that do not belong to me. According to the Fair Credit Reporting Act ( FCRA ) and the Consumer Protection Act, I have the right to dispute any inaccurate information on my credit report, and I believe that these accounts are erroneously associated with my identity. 

I have recently reviewed my credit report and identified several accounts that I do not recognize. These accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX  XXXX BANK 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 XXXXXX/XX/XXXX I have taken steps to investigate these accounts and have found no evidence that I am associated with them. As per the Consumer Protection Act, I request that you provide verification of the ownership of these accounts within the required timeframe. If you are unable to provide sufficient proof that these accounts are legitimately linked to me, I kindly request that you remove them from my credit report urgently. 

In addition, please confirm the steps you will take to ensure that my rights as a consumer are protected, as stipulated under the law. I would appreciate your prompt attention to this matter and request that you respond to my dispute within the next 30 days. 

Thank you for your cooperation. I look forward to resolving this matter amicably. 

Sincerely, 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 2025-11-14 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: MI

Complaint narrative:
I want the CFPB to compel the bureau to delete unverifiable accounts, inquiries and personal information and provide documentation proving their investigation method

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 2025-11-14 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: MI

Complaint narrative:
I want the CFPB to compel the bureau to delete unverifiable accounts, inquiries and personal information and provide documentation proving their investigation method

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
This account has been removed from XXXX  and XXXX  but XXXX  refuses to remove Capital one {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXX XXXX XXXX XXXX VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court ( Bankruptcy XXXX XXXX  that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : XXXX. XXXX. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 2025-11-14 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: TX

Complaint narrative:
I am writing pursuant to 15 U.S.C. 1681i and 15 U.S.C. 1681c-2, which grants consumers the right to dispute and remove inaccurate or fraudulent items from their credit reports. I have identified hard inquiries on my credit report that were made without my knowledge or expressed written consent. These inquiries are unauthorized and constitute identity theft as defined under federal law. As a result, I request the immediate deletion of the following unauthorized hard inquiries from my credit report as they are a violation of permissible purposes outlined in the FCRA : 1. Data Breach XXXX XXXX XXXX Account Number : XXXX This account is not mine, I never opened this account, I am a victim of a recent data breach. I have included an FTC report. Please investigate and remove this from my credit report. 

2. Data Breach XXXX XXXX Account Number : XXXX This account is not mine, I never opened this account, I am a victim of a recent data breach. I have included an FTC report. Please investigate and remove this from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I affirm that the incorrect late payment entries on my accounts violate 15 USC 1666. I have consistently paid on time, and these reporting errors are both unfair and unlawful.

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 2025-11-14 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: TX

Complaint narrative:
I have no affiliation with these accounts and suspect them to be fraudulent. I request a comprehensive investigation and their immediate removal from my credit report. Enclosed are supporting documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MoneyLion Inc.
State: AZ

Complaint narrative:
MoneyLion is reporting a closed secured loan with multiple charge-off codes from XXXX. The account is closed and paid, but the reported late payments and charge-off history do not match the terms of the loan and appear inaccurate. 

I disputed the accuracy with XXXX, and the company verified the account without providing any documentation supporting the late payments, charge-off coding, or the dates reported. 

The account is from XXXX, and MoneyLion has not provided any internal records, system logs, or documentation validating the payment history, dates, or the {$320.00} write-off.

I am unable to submit an FTC identity theft affidavit because IdentityTheft.gov is offline due to the government shutdown, which prevents proper verification.

I am requesting CFPB assistance because the company verified negative information without supplying proof of accuracy.

Company response to consumer: Closed with explanation