vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-12 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: NC

Complaint narrative:
I am writing to formally dispute certain closed accounts reported on my Experian credit report. 
I have reviewed my credit file and identified the following accounts that I believe are inaccurate and should be removed or corrected as per the Fair Credit Reporting Act ( FCRA ). 

Creditor : XXXX  XXXX Account Number : XXXX Status : Paid in settlement. {$990.00} written off. 
Date Opened : XX/XX/XXXX | Date Closed : XX/XX/XXXX Creditor : XXXX XXXX XXXX Account Number : XXXX Status : Collection account. {$21000.00} past due as of XX/XX/XXXX. 
Date Opened : XX/XX/XXXX | Date Closed : XX/XX/XXXX These accounts are either inaccurate, unverifiable, or do not belong to me. 
Under the FCRA, I am requesting that you conduct a thorough investigation into these items and provide me with documentation that verifies their accuracy. 
If verification can not be provided, I am requesting their immediate removal from my credit report. 


Please send me the results of your investigation, along with an updated copy of my credit report, to the address listed below. If you require additional information to complete your investigation, please contact me in writing. 


Thank you for your prompt attention to this matter.

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 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I have requested that TransUnion remove inaccurate information and outdated data per my request, with proof of my current address via utility bill, current driver 's license, and SS card. I have included a document with proof of identity theft. As of today, I received the report, and I've seen additional addresses I have never lived at or have any knowledge of. As an example.. 
XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX have been a victim of XXXX XXXX, and I am tired of agencies allowing information that is inaccurate to be on my 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 non-monetary relief
Consumer complaint received 2025-08-12 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-08-12 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: CA

Complaint narrative:
I disputed several accounts with TransUnion that are inaccurate and/or can not be verified in compliance with the Fair Credit Reporting Act ( FCRA ). I provided specific details and supporting documentation to prove these inaccuracies. Despite this, TransUnion left the accounts unchanged on my report. This failure to properly investigate and correct inaccurate information violates my rights under the FCRA and continues to harm my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-08-12 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: OH

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: LEXISNEXIS
State: DE

Complaint narrative:
I 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 explanation
Consumer complaint received 2025-08-12 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: NJ

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit 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 2025-08-12 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 discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-08-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Selene Holdings LLC
State: CO

Complaint narrative:
I have been working with Selene Finance since XX/XX/year>XXXX  to resolve a delinquency on my mortgage. Despite my repeated good-faith efforts, hiring legal counsel, and ultimately paying the full cure amount of {$54000.00}, Selenes handling has been inconsistent, non-transparent, and harmful. They have provided conflicting answers, delayed processing, and failed to meet servicing obligations under Regulation X ( 12 CFR 1024 ). 
Complete Application, Updated Income, and Legal Representation Ignored Since XX/XX/year>, I have made weekly calls and submitted all requested documentation. 

My initial assistance request was denied, but I experienced a substantial and documented income increase : My salary XXXX  from {$160000.00} to $ XXXX. 

My spouses commission-based income is projected at $ XXXX. 

Combined household income is approximately $ XXXX ( $ XXXX ), with monthly obligations of about {$11000.00} enough to pay the mortgage and additional toward arrears. 

I retained an attorney to assist, yet Selene continues to provide inconsistent and contradictory responses, preventing resolution.

Good-Faith Offers Ignored Prior to paying the full cure, I offered {$20000.00} certified funds toward arrears with an additional $ XXXX for 18 months to clear the remainder. 

Selene failed to present all available options ( Partial Claim, Stand-Alone Modification, etc. ). 

Cure Payment Mishandled On XX/XX/year>, I wired {$54000.00} the cure amount Selene required to reinstate my loan. 

I was told this would resolve the delinquency, yet after payment, Selene claimed it could take up to 72 hours for the wire to post an unreasonable delay for a wire transfer and with no written explanation provided. 

Each call yields a different answer, even on the same day, with no assigned point of contact. 

Direct Harm to My Family The prolonged uncertainty has caused extreme stress, disrupted our lives, and damaged our financial security. 

Selenes inconsistent communication, failure to follow through, and refusal to promptly process payments have prolonged this hardship unnecessarily.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: Freedom Mortgage Company
State: GA

Complaint narrative:
Pursuant to 15 U.S.C. 1666b, a creditor may not treat a payment as late for any purpose unless it has adopted reasonable procedures to ensure that the periodic statement including all information required under Section 1637 ( b ) was delivered to the consumer not less than 21 days before the payment due date. 
Freedom Mortgage Corporation account 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 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 explanation
Consumer complaint received 2025-08-12 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me XXXX  XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I take my credit seriously, and I'm really concerned about the mistakes on my credit report. These errors are causing me a lot of stress and are impacting my ability to get new credit. Additionally, I am also writing to request the correction of inaccurate personal information on my credit report as I've noticed that these errors XXXX have contributed to the issues with my credit applications, which is extremely frustrating. I want you to get this fixed as soon as possible because I don't want any more damage to be done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: FIRSTBANK PUERTO RICO
State: PR

Complaint narrative:
During XXXX, XXXX, and XXXX of XXXX, I made four ( 4 ) payments using my First Bank Puerto Rico Checking Account ( XXXX debit card ) and XXXX XXXX to XXXX XXXX XXXX for training workshops, coaching, and mentoring services related to real estate investments. The payments were made as follows : XX/XX/XXXX {$5000.00} from First Bank Checking Account ( XXXX debit ) XX/XX/XXXX {$5000.00} from First Bank Checking Account ( XXXX debit ) XX/XX/XXXX {$16000.00} from First Bank XXXX XXXX XX/XX/XXXX {$2400.00} from First Bank XXXX XXXX I have filed disputes for these payments, as the Federal Trade Commission ( FTC ) filed a lawsuit against the organization referenced above on XX/XX/XXXX. 

According to the FTC, the lawsuit resulted in a permanent shutdown of a fraudulent business opportunity scheme known as XXXX XXXX and XXXX XXXX XXXX XXXX, which specifically targeted XXXX-speaking consumers through deceptive and false claims related to online business and real estate investment opportunities. The FTCs complaint alleges that the defendants engaged in deceptive and unfair practices in violation of Section 5 of the FTC Act ( 15 U.S.C. 45 ), the Business Opportunity Rule, the Cooling-Off Rule, and the Consumer Review Fairness Act ( CRFA ).

My initial dispute was filed with First Bank Puerto Rico on XX/XX/XXXX, and a follow-up dispute was submitted in XX/XX/XXXX, as the original dispute was not resolved or responded to. Disputes were filed through the Customer Service Department as well as by submitting via email a formal letter along with a copy of the FTC lawsuit ( XX/XX/XXXX ). 

I have also filed a fraud report with the FTC regarding this matter. Their guidance recommends filing disputes directly with the card issuerwhich I have done.

Given the FTCs findings and enforcement action, I respectfully request that First Bank initiate chargebacks for the total amount of payments made to this fraudulent organization.

Thank you for your attention to this matter. I look forward to a prompt and fair resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
My XXXX XXXX XXXX was totaled in XX/XX/XXXX. XXXX XXXX made a partial payment. I received a letter dated XX/XX/XXXX to pay the balance {$8200.00}. A check from XXXX XXXX XXXX was mailed XX/XX/XXXX. On XX/XX/XXXX, I received a letter in the mail from XXXX XXXX indicating a payment in the amount of {$8200.00} was mailed to Nissan Motor Acceptance Corporation, XXXX. XXXX  XXXX, XXXX, Texas XXXX. After I received the letter from XXXX XXXX, I contacted XXXX to advise them of the two payments. I was told that they would investigate and get back to me. Several weeks went by I contacted them again but was told they were still investigating and I would get a response within 14 days. 
I called again in XXXX and spoke with XXXX. He indicated that he saw where I called several times and that the last call taker did not pass on the information to the supervisor. I called a week later and was told I would receive an answer within 14 days. This issue has been going on since XXXX, XXXX. Every time I contact them, I feel like I'm getting the run around. I called today and was on hold for 1 hour before I decided to hang up. 

I am very disappointed that it is taking so long to get an answer regarding my refund. Please Please assist me!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: IN

Complaint narrative:
Several companies have accessed my credit report without my authorization, harming my credit and credit score. I previously reported this to your agency and was assured the inquiries would be removed. They remain.

This inaction is unacceptable and may indicate identity theft. 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 2025-08-12 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: KY

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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 2025-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH 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 2025-08-12 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is XXXX XXXX XXXX involved, its me personally who is filling this complaint. Please review the uploaded letters.

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