vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-17 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: LA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed 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 explanation
Consumer complaint received 2025-07-17 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: NY

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$4800.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: CA

Complaint narrative:
Recently, I mailed a letter requesting verification of inaccurate accounts reporting on my credit report that your bureau maintains on XX/XX/year>. I received a response stating that the accounts for exeter finance account # XXXX verified on XX/XX/scrub>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 2025-07-17 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: NJ

Complaint narrative:
I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: NC

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-07-17 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: F.H. Cann & Associates, Inc.
State: VA

Complaint narrative:
Dispute Code : I08 ( Account information incorrect ) Notification Code : N01 ( Did not receive written notice ) Action Taken Code : A03 ( Contacted company to dispute debt ) Status Code : S02 ( Debt reported inaccurately ) Resolution Requested Code : R01 ( Correct or remove inaccurate information ) I am disputing a private student loan account with a balance of {$3700.00} reported on XX/XX/XXXX. The account was opened on XX/XX/XXXX, and the last activity date reported is XX/XX/XXXX. I have not received any written notification about this debt ( N01 ), and the reported amount is incorrect ( I08 ). I contacted the creditor on XX/XX/XXXX to request validation and correction ( A03 ), but they have failed to correct the information, and it continues to be reported inaccurately ( S02 ). I request that the inaccurate information be corrected or removed from my credit report ( R01 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I have received a copy of my Experian Credit Report XXXX XXXXXXXX and I have immediately noticed that Experian Credit Reporting Agency has REMOVED/TAMPERED WITH THE DELETION OF ACCOUNT STATUS DATE OF XX/XX/year> on a XXXX account XXXX XXXXXXXX which as indicated was due to be permanently deleted in the month of XXXX. Experian I conclude has with bad intent decided to Re-age the account with the help of XXXX XXXX XXXX. This is a violation of reporting act under the FCRA and an intent to injure further my credit rating. Experian has sent several Credit reports that indicate the deletion date of XXXX, 2025 and this copy does not show explicitly the deletion date.

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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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:
Im reaching out to dispute an account thats currently showing on my credit report. I need you to certify, with full accuracy and confidence, that every single piece of data tied to this account actually belongs to me including but not limited to the account number, payment history, balances, dates, and all identifying details.

If you can not fully verify and certify that this account and all of the information attached to it is 100 % accurate and legitimately tied to me, then you are obligated to delete the entire account from my credit report immediately.

Let me be very clear : Im not asking whether the account looks familiar. I am demanding that you confirm that each data point reported under my name is accurate, verifiable, and truly mine. If theres even a shred of uncertainty, or if you can not produce the necessary records to validate this account as mine, it does not belong on my credit report and keeping it there would be a 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 non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have tried to send letter to you guys before but i have never seen my disputes get processed so i am attaching the letters here. I want you to investigate everything that is incomplete or inaccurate and if you cant verify the completeness and or accuracy then you need to delete 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 2025-07-17 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: CA

Complaint narrative:
I have tried to send letter to you guys before but i have never seen my disputes get processed so i am attaching the letters here. I want you to investigate everything that is incomplete or inaccurate and if you cant verify the completeness and or accuracy then you need to delete 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 2025-07-17 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: NJ

Complaint narrative:
I have been trying for months to correct the errors on my credit report. My creditworthiness is extremely important to me, and these inaccuracies have caused serious harm to both my financial opportunities and emotional well-being. Despite my repeated requests and complaints, the issue remains unresolved, and my concerns continue to be ignored or disregarded.

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 2025-07-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lockhart, Morris & Montgomery Inc.
State: MI

Complaint narrative:
Lockhart Morris & Montgomery {$1300.00} Original physician did not have insurance information. Once supplied the bill was paid. 

Bill was paid in XXXX of this year. Numerous requests to have it removed from file go unanswered.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
XXXX repurchased my car due to it being a lemon on XX/XX/year> XXXX  was supposed to pay Ally Bank . Ally said they did not receive the payment and continued to bill me. I paid the XX/XX/year> payment to avoid any issues with my credit. XXXX did reimburse me. XXXX finally got the payment to Ally XX/XX/year>. Ally shows the payment credit but then deducted it. Now they are rebilling me for a car I have not owned in two months. XXXX is not much help and I am caught in the middle

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: CA

Complaint narrative:
I am submitting this report due to inaccuracies on my credit report stemming from a system error, as confirmed by Equifax, which resulted in my personal information being leaked and used improperly. Ive been denied credit because of this issue, and I request immediate correction within four business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: PRIMARY RESIDENTIAL MORTGAGE
State: OH

Complaint narrative:
I am writing to formally lodge a complaint regarding the conduct of Primary Residential Mortgage and its representative, XXXX XXXX | Senior Mortgage Consultant Primary Residential Mortgage, XXXX | PRMI XXXX ID XXXX XXXX : XXXX CELL : XXXX during my recent mortgage loan application process. 

Throughout the loan process, I experienced significant unprofessionalism, misleading communication, and inappropriate behavior that caused undue stress and compromised my trust in your company. Specifically : Lack of Professionalism and Misleading Updates : I was repeatedly given unclear or contradictory information about the status of my loan. Promised timelines were not met, and I often had to follow up multiple times to receive basic updates. This created confusion and left me feeling misled and unsupported during what is already a stressful financial process. 

Unethical Requests for Money : The broker, XXXX XXXX, made inappropriate and unsolicited requests for money outside of what was disclosed in any official documents or agreements. These demands were vague, unsubstantiated, and highly unprofessional. 

XXXX and Inappropriate Comments : Most disturbingly, the same broker made inappropriate and unwelcome XXXX comments toward me during our interactions. This behavior is not only offensive but also a serious violation of professional ethics and boundaries. It made me feel extremely uncomfortable and unsafe engaging in further communications. On XX/XX/year> he asked me for money and it was sent through XXXX. I have text messages as evidenced that XXXX was open about his XXXX XXXX and XXXX history during our communication together. He made the comment with hearts " youre wittle ''. Although PMRI let XXXX go they continued to be very vague about whether my loan would get approved or not. I was given to XXXX XXXX. He requested I take my Student Loans out of Forbearance and he could possibly approve the loan. I also previously was instructed by XXXXXXXX to Secure at XXXX Dollar down payment and was encouraged to take out my SEP IRA and XXXX for my son incurring penalties. The loan was never processed, I received a denial letter after waiting for a final answer from XXXX. Overall this company lacks transparency and I was asked the same questions over and over about my credit history. They could not get my credit history to appear accurate for underwriting. For example, XXXX repeatedly asked about me and my cosigner about credit cards with XXXX balance but on their end it was showing a balance. Inevitably I did not secure a mortgage loan and lost the deal for the house.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIRST PORTFOLIO SERVICING INC
State: GA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here are the accounts I am asking you to verify as accurate : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
ON XX/XX/2025, WAS REVIEWING MY CREDIT REPORT AND I SAW 2 UNAUTHORIZED HARD INQUIRIES ON MY CREDIT REPORT THAT I DID NOT APPLY FOR. THESE INQUIRIES DO NOT HAVE PERMISSIBLE PURPOSE ACCORDING TO 15 USC 1681b. 

INQUIRY DATE XXXX ACCOUNT : XXXX XXXX XXXX : AUTO DEALER ADDRESS : XXXX XXXX XXXX, NJ XXXX INQUIRY DATE : XX/XX/2025 ACCOUNT : XXXX XXXX XXXX XXXXYPE : AUTO FINANCING ADDRESS : XXXX XXXX, XXXX XXXX, MI 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 2025-07-17 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: GA

Complaint narrative:
I am filing a formal complaint against Experian and the original creditors for inaccurate and unverifiable negative information being reported on my consumer file, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Specifically, the following accounts are being reported in error : XXXX XXXX XXXX XXXX loan charged off in the amount of {$9700.00} with XXXX derogatory months. 
XXXX XXXX XXXX XXXX account for {$21000.00} from XXXX XXXX XXXX XXXX, reported with XXXX negative months. 

I have attempted to resolve these matters through direct disputes. However, no documentation or legally sufficient validation has been provided. Under 15 U.S.C. 1681i ( a ), the consumer reporting agency must conduct a reasonable reinvestigation. If the furnisher or CRA can not verify the accuracy with proper documentation, the disputed information must be deleted. 

Additionally, under 15 U.S.C. 1681e ( b ), Experian is required to ensure maximum possible accuracy of all items reported. The continued presence of unverifiable and outdated derogatory data violates this provision. 

I am requesting : Full deletion of these items from my credit report due to non-compliance with FCRA. 
Enforcement of my right to accuracy and fair treatment under federal law. 

Please hold Experian and the data furnishers accountable for reporting practices that are causing harm to my financial opportunities.

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