vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-30 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have disputed an inaccurate auto loan account XXXX separate times with Experian. The account is reported by XXXX XXXX XXXX ( account ending in XXXX ) and was sold to XXXX XXXX XXXX XXXX XXXX 

Each time I submitted a dispute, Experian responded that the account was updated, but the inaccurate information remains. The report shows the account as charged off / {$19000.00} written off, with conflicting dates of status ( XX/XX/XXXX and XX/XX/XXXX ). 

Experian has failed to provide documentation or verification of how they confirmed the information, including the name of the person or company that verified the debt, which is required under the Fair Credit Reporting Act ( FCRA XXXX ( a ) ( XXXX ) ). 

I have not received any proof of debt, repossession notices, or sale documentation from XXXX XXXX or XXXX XXXX XXXX. I believe this account is being reported inaccurately and without proper verification. 

I am requesting the CFPBs assistance to investigate Experians failure to properly reinvestigate and verify this account, and to have the inaccurate item removed from my credit report or corrected based on verified documentation.

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 2025-10-30 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: TN

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX XXXX XXXX data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : 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 XXXXXX/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 2025-10-30 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:
This false listing undermines the accuracy of my credit file. Kindly investigate and make the necessary corrections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Fees charged
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
I am filing a complaint regarding a discrepancy between my Promissory Note and Closing Disclosure ( CD ) concerning the late payment fee on my mortgage loan serviced by Mr. Cooper. 
The XXXX states : XXXX XXXX XXXX : XXXX % of the overdue principal and interest payment after XXXX  days. 
The Note states : XXXX XXXX : XXXX % of the overdue principal, interest, and escrow payment after XXXX days. 
This inconsistency means the late fee could be calculated on escrow amounts that were not disclosed in the XXXX a material difference that may violate Truth in Lending Act ( TILA ) or Real Estate Settlement Procedures Act ( RESPA ) disclosure requirements. 
I filed a written Notice of XXXX under XXXX XXXX  XXXX. The servicer acknowledged receipt within XXXX business days but did not provide a response or resolution until after XXXX business days, without notifying me that additional time was needed. This appears to violate the RESPA timing and notice requirements under XXXX ( XXXX ). 
I request that the CFPB investigate whether the servicer and lender properly disclosed loan terms and complied with RESPAs response deadlines, and ensure the late fee policy is corrected or clarified in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: MD

Complaint narrative:
I am submitting this complaint because my TransUnion credit report contains several accounts and inquiries that may be inaccurate or unverifiable. I request a full reinvestigation under FCRA XXXX. 

Charged-Off Accounts in Dispute DISCOVER CARD XXXX XX/XX/XXXX {$850.00} KIKOFF XXXX XX/XX/XXXX {$180.00} XXXX FUNDING XXXX XX/XX/XXXX {$600.00} XXXX FUNDING XXXX XX/XX/XXXX {$560.00} XXXX FUNDING XXXX XX/XX/XXXX {$590.00} XXXX BANK XXXX XX/XX/XXXX {$1300.00} XXXX FCU XXXX XX/XX/XXXX {$0.00} XXXX FCU XXXX XX/XX/XXXX {$0.00} SPRINGOAK CAP XXXX XX/XX/XXXX {$580.00} TARGET/TD XXXX XX/XX/XXXX {$450.00} Please verify each account directly with the furnisher. If any can not be fully validated, I request removal from my report. 

Inquiries in Dispute XXXX CARD XX/XX/XXXX XXXX XXXX XX/XX/XXXX I do not recall authorizing these inquiries. I request verification that each was conducted with my permission or under a permissible purpose. Remove any inquiry that can not be verified. 

There are no late payments or positive accounts in dispute with TransUnion.

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 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to request an investigation into the following accounts currently reflected on my credit reports. I believe that the information being reported is inaccurate and requires correction in accordance with the Fair Credit Reporting Act ( FCRA ). I have also been the victim of my personal information being exposed to the public as a result of several data breaches. Please investigate the following discrepancies and provide me with a response detailing the outcome of your investigation. 


XXXX - CHARGED OFF XXXX, XXXX, XX/XX/XXXX, XXXX XXXX BANK DELAWARE, XXXX, XX/XX/XXXX, XXXX XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX, XXXX XXXX CARD, XXXX, XX/XX/XXXX, XXXX MACYS/CBNA, XXXX, XX/XX/XXXX, XXXX XXXX BANK XXXX, XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX, XXXX INQUIRIES XXXX XXXX, XX/XX/XXXX ONEMAIN, XX/XX/XXXX SYNCBAMAZON PLCC, 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 2025-10-30 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: OH

Complaint narrative:
XXXX XXXX Accounts : XXXX ( Account : XXXX ) Dispute : The account is listed as charged off on XX/XX/XXXX with a balance of {$0.00}. Please verify and correct the account status. 

XXXX ( Account : XXXX ) Dispute : The charged-off status reported on XX/XX/XXXX with a balance of {$6500.00} is incorrect. Please review and provide the correct status. 

XXXX ( Account : XXXX ) Dispute : The account is listed as charged off on XX/XX/XXXX with a balance of {$15000.00}. Please verify and correct this account. 

XXXX ( Account : XXXX ) Dispute : This account is reported as charged off on XX/XX/XXXX with a balance of {$2700.00}. Please review and correct the entry. 

CAPITAL XXXX ( Account : XXXX ) Dispute : This account is listed as charged off on XX/XX/XXXX with a balance of {$2700.00}. Please verify and update this account. 

XXXX ( Account : XXXX ) Dispute : This account is listed as charged off on XX/XX/XXXX with a balance of {$13000.00}. Please review and correct this entry. 

XXXX XXXX ( Account : XXXX ) Dispute : The charged-off status reported on XX/XX/XXXX with a balance of {$3600.00} is incorrect. Please investigate and provide the correct entry. 

XXXX XXXX ( Account : XXXX ) Dispute : The charged-off status on XX/XX/XXXX with a balance of {$1500.00} is inaccurate. Please verify and correct the account. 

XXXX XXXX ( Account : XXXX ) Dispute : The charged-off status reported on XX/XX/XXXX with a balance of {$3400.00} is incorrect. Please investigate and provide the correct status. 

XXXX XXXX  ( Account : XXXX ) Dispute : The charged-off status reported on XX/XX/XXXX with a balance of {$22000.00} is inaccurate. Please review and correct this account. 

XXXX XXXX ( Account : XXXX ) Dispute : The charged-off status reported on XX/XX/XXXX with a balance of {$6000.00} is incorrect. Please verify and update this 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 non-monetary relief
Consumer complaint received 2025-10-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am submitting this complaint regarding the following tradeline that is inaccurately appearing on my credit reports : XXXX XXXX XXXXXXXX Account # XXXX reporting as Charge-Off on Equifax and TransUnion. 
The account is listed as Authorized User. I never agreed to be an authorized user on this account, I do not recognize the account holder, and the account has nothing to do with me. I requested removal from the reporting furnisher, but XXXX XXXX XXXXXXXX has refused or failed to correct this designation. 

This reporting is inaccurate and violates the Fair Credit Reporting Act ( FCRA ). Specifically : Under 15 U.S.C. 1681e ( b ), consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy. Reporting a charge-off tied to me as an Authorized User when I never authorized or used the account is objectively misleading and inaccurate.

Under 15 U.S.C. 1681i ( a ), when a consumer disputes information, the CRA must conduct a reasonable reinvestigation. Vague statements such as verified with furnisher are insufficient where the consumer denies any relationship to the account.

Under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), if an item was previously deleted, any reinsertion requires a written certification from the furnisher and consumer notice. I have not received any such certification or notice.

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 2025-10-30 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 a dispute with the credit reporting bureaus for the following accounts. The details of the disputed accounts are listed below : Charged Off Accounts : SUNSET FIN - XXXX - Date : XX/XX/XXXX - Amount : {$0.00} SUNSET FIN - XXXX - Date : XX/XX/XXXX - Amount : {$0.00} XXXX XXXX - XXXX - Date : XX/XX/XXXX - Amount : {$0.00} CREDENCE RM - XXXX - Date : XX/XX/XXXX - Amount : {$180.00} XXXX CRED - XXXX - Date : XX/XX/XXXX - Amount : {$320.00} SPRINGOAKCAP - XXXX - Date : XX/XX/XXXX - Amount : {$730.00} TBOM/CONTFIN - XXXX - Date : XX/XX/XXXX - Amount : {$0.00} TRUEACCORD C - XXXX - Date : XX/XX/XXXX - Amount : {$690.00} Inquiries : FEBDESTINY - Date : XX/XX/XXXX ONEMAIN - Date : XX/XX/XXXX ONEMAIN - Date : XX/XX/XXXX XXXX XXXX - Date : XX/XX/XXXX Late Payments : FARMERS FURN - XXXX FARMERS FURN - 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 2025-10-30 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:
Unauthorized inquiries that are affecting my credit.

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 2025-10-30 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: UT

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX XXXX XXXX data breaches, which exposed sensitive personal data to unauthorized parties. 

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 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 XXXXXX/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 2025-10-30 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: TX

Complaint narrative:
I am submitting this second-round dispute because my credit report with EXPERIAN still contains incorrect and unverified personal information, including name variations and previous addresses that do not belong to me. I previously submitted a dispute providing full verification, yet the errors persist which is unacceptable and noncompliant with federal law. 

I have again included my identification, Social Security card, and current proof of address to reaffirm my accurate and verifiable personal details. 

My only legal name is XXXX XXXX XXXX. Any other spelling or variation must be immediately deleted from your records. 
My only current and correct address is XXXX XXXX XXXX XXXX  XXXX, XXXX, TX XXXX. Every other address listed on my credit profile is invalid or no longer associated with me and must be permanently removed.

Your agency is bound by the Fair Credit Reporting Act ( FCRA ) to maintain and report only verifiable and accurate consumer data. The following provisions apply : 15 U.S.C. 1681e ( b ) Requires that you assure maximum possible accuracy of the information reported.

15 U.S.C. 1681i ( a ) ( 5 ) Requires immediate deletion of unverifiable or incorrect information.

15 U.S.C. 1681n & 1681o Provide for damages in cases of willful or negligent noncompliance.

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 2025-10-30 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I'm contacting you because I recently discovered a credit inquiry on my report that I had no knowledge of, did not authorize, and did not initiate. This inquiry is fraudulent, plain and simple, and it should have never been made under my name. 

I have never applied for credit or given any form of consent to the company that pulled this inquiry. I only found out about it while reviewing my credit report, and XXXX furious that someone was able to access my personal credit file without my permission. This is not just a mistake it is unauthorized access to my private financial information, and it is a clear violation of 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 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Early Warning Services, LLC
State: AL

Complaint narrative:
I am submitting this complaint regarding repeated denials of a XXXX checking account due to reports from Early Warning Services ( EWS ). Despite my creditworthiness and account history, I have been denied the ability to open a checking account, which has caused significant inconvenience and financial harm. 

Details of the Complaint : I attempted to open a checking account with XXXX. 
I was informed that my application was denied due to information from Early Warning Services. 
I have not received a clear explanation of the specific reasons for this denial. I am unaware of any negative history or fraudulent activity that would justify being listed in their database. 
These denials are impacting my ability to access essential banking services and manage my finances. 
I have requested details and any supporting documentation from both XXXX and Early Warning Services but have not received a sufficient response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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:
I am submitting this complaint because my Experian credit report contains several items that I believe are either inaccurate, unverifiable, or reported in error. I am requesting a full reinvestigation under the Fair Credit Reporting Act ( FCRA ) to confirm the accuracy of the information listed below. 

Inquiries in Question : Ally Financial XX/XX/XXXX Ally XXXX Co GMA XX/XX/XXXX Bank XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Consumer Portfolio Services XX/XX/XXXX CUDL XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX The Golden XXXX XXXX XXXX XX/XX/XXXX XXXX Auto XX/XX/XXXX XXXX Card XX/XX/XXXX I do not recall authorizing or initiating these hard inquiries, and I am requesting that Experian verify each XXXX  directly with the entity that placed it. 
If Experian can not provide documentation showing that I gave written consent or initiated a permissible purpose, I respectfully request that the inquiries be removed from my file. 

There are no charged-off, positive, or late payment accounts currently under dispute with Experian. 

Thank you for your attention to this matter and for helping ensure my report is accurate and compliant with FCRA standards.

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 2025-10-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am reaching out and I'd like to file this complaint regarding the re-insertion of an account on my credit report by TransUnion. The account in question is the XXXX XXXX account number XXXX. I previously disputed this account on XX/XX/year>, and requested a new report on XX/XX/year>, at which time this account was as deleted and not reported. However, upon requesting another report on XX/XX/year>, I was shocked to find that the same account was reinserted without any notification, supporting documents, or any letter explaining why this account was added back to my file. I did not receive any notice about the reinsertion, which is a direct violation of XXXX XXXX. XXXX ( a ) ( XXXX ) ( B ), which requires that the consumer be notified within XXXX business days of any account being reinserted into their file. To make matters worse, this was done without providing certification of accuracy, which is required under XXXX XXXX. XXXX ( a ) ( XXXX ) ( C ). I was left with no explanation or supporting documents to verify the accuracy of this reinserted account. This action is not only frustrating but raises serious concerns about the integrity of the investigation process. How can a consumer trust an investigation when the process isnt even clear or verifiable from the start? It feels like theres no accountability, and its hard to see how this meets the standards for maximum possible accuracy as required by XXXX XXXX. XXXX ( b ), which mandates that credit reporting agencies report accurate and complete information. How could they reinsert an account without proving any documents and verify the account? Under XXXX XXXX. XXXX ( a ), I am requesting XXXX that a reasonable reinvestigation be conducted, as required by the law. I am also demanding the immediate permanent deletion of this account from my credit report. If they intend to continue reporting this account, I am requesting that they SHOULD PROVIDE supporting documents, including proof of permissible purpose for reinsertion, verification of the account, and my wet signature. I am truly disappointed with how this has been handled and XXXX reaching out to the CFPB because I believe my rights under the Fair Credit Reporting Act ( FCRA ) have been violated. I need this resolved so that my credit report reflects accurate and verifiable information. I expect the necessary actions to be taken to ensure the integrity of my 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