vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-15 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: PA

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall 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.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-12-15 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: OK

Complaint narrative:
I am submitting this complaint to request the deletion of a specific account from my credit report with TransUnion Consumer Solutions due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Details of the Account in Dispute : Account Number : XXXX ) XXXX, XXXX ) XXXX Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Incorrect information identified in reports from all three credit bureaus. 
Legal Grounds for Information Deletion : Right to Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) : I request that the authenticity of this account be manually verified with the original creditor, rather than relying on the automated e-OSCAR system, and that I receive a detailed explanation of the verification process. 
Reinvestigation of Disputed Information ( FCRA, Section 611 - 15 U.S.C. 1681i ) : Under this section, I demand a full reinvestigation of the account and immediate correction of any inaccurate information. 
Deletion of Inaccurate or Unverified Information ( FCRA, Section 611 ( 5 ) - 15 U.S.C. 1681i ( 5 ) ) : In accordance with the FCRA, if the information can not be verified, it must be removed from the report.

Responsibility of Information Furnishers ( FCRA, Section 623 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : The creditors inability to validate this information warrants its removal.

Compliance with Accuracy Procedures ( FCRA, Section 607 - 15 U.S.C. 1681e ( b ) ) : The inaccuracy in my report suggests a failure to adhere to required accuracy procedures. 
Permissible Purposes for Access ( FCRA, Section 604 - 15 U.S.C. 1681b ) : I request confirmation that access to my report was legitimate. If it was not, I request the removal of any unauthorized data.

Truth in Lending Act ( TILA, Section 1601 - 15 U.S.C. 1601 ) : TILA reinforces my right to accurate information, and the presence of this inaccurate account contradicts that right. 

Supporting Case Law : In XXXX XXXX Trans Union, LLC ( XXXX XXXX XXXX ), the responsibility of credit bureaus to adequately investigate consumer disputes is emphasized. XXXX XXXX XXXX, XXXX further reinforces the obligation to maintain reasonable procedures to ensure accuracy.

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 2025-12-15 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 2025-12-15 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 non-monetary relief
Consumer complaint received 2025-12-15 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, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Mr. Cooper Group Inc.
State: UT

Complaint narrative:
Mr. Cooper ( nationstar mortgage LLC ) issued a refund check of {$650.00} after my loan was paid off due to a servicing transfer. The check expired after 180 days and was never cashed. I have been unable to reach customer service to request reissuance. I am requesting that the refund check be reissued.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
Received a court summons that I was being sued by Portfolio Recovery Associates after never receiving anything from them prior to receiving summons. I never received any mail, phone calls, etc. I had no contact from them ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: RI

Complaint narrative:
DEAR XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  FOR ALLEGED BALANCE : {$4300.00}? 
I am formally disputing the accuracy, validity, and completeness of the above-referenced account, which has been reported to the credit bureaus and attributed to me. I have no verified relationship with your company or any other original creditor you listed, and I was never provided proper notice of this alleged debt.

Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), I demand full validation of this account. Specifically, I request the following documentation : Original Credit Agreement ( the contract I allegedly signed, if applicable ) Full Itemized Statement ( showing how the balance was calculated ) Forward Flow Agreement ( proving debt transfer from original creditor ) Chain of Title / Assignment Documents ( showing legal transfer of ownership ) Complete Payment History Records ( verifying payments or delinquencies ) Validation Notice ( per FDCPA 1692g ) Notice of Default / Intent to Collect ( as required by law ) Proof of Statute of Limitations ( confirming debt is legally collectible ) Credit Reporting Agreement ( authorizing reporting to bureaus ) Documentation of Prior Dispute Investigations ( per FCRA 1681i ) To date, I have not received these required documents. Instead, I have only been sent generic, automated responses that do not constitute lawful validation. Therefore, the account remains unverified and legally unenforceable.

Continuing to report or collect on an unverifiable account violates FCRA 1681e ( b ) and 1681s-2 ( b ) as well as FDCPA 1692g ( b ). Courts including Cushman v. Trans Union, Dennis v. BEH-1, Clark v. Capital Credit, and Greco v. Traunerconfirm that unverifiable or misleading data can not lawfully remain on a consumers credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: PA

Complaint narrative:
I am a victim of identity theft, and fraudulent accounts have been placed on my credit report without my authorization. Some of these accounts were created using a CPN and do not belong to me. 

I submitted identity theft documentation and disputes to Experian in XXXX, XXXX, and again in XXXX, yet Experian has failed to properly investigate or remove the fraudulent information as required under the Fair Credit Reporting Act ( FCRA ). The inaccurate information continues to be reported and is causing ongoing harm to my credit. 

I am requesting CFPB assistance to ensure Experian complies with federal law, removes all fraudulent information, and places an identity theft block on 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 2025-12-15 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: CCS Financial Services, Inc.
State: NC

Complaint narrative:
I am disputing two items that appear on my credit report.

One account is with XXXX XXXX XXXX XXXX XXXX I sent a debt validation letter requesting verification of this account. The company did not respond, and it has now been well over XXXX  days, actually several months. Despite this, Experian continues to report the account as verified even though the creditor never provided validation. 
The second account is with XXXX XXXX. This account is fraudulent. I never opened or authorized this account. I disputed it with XXXX, but the account was not removed and continues to be reported on my credit file. 
I am requesting that these items be corrected or removed because one account can not be validated and the other is the result of fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX  data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report XXXX is XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am disputing inaccuracies on my TransUnion credit report. Please review and correct the following items : XXXX. Previous Address : Reported : XXXX XXXX  XXXX, XXXX XXXX, FL XXXX Corrected : XXXX XXXX  XXXX, XXXX XXXX, FL XXXX XXXX. Previous Name : No previous names should be listed ; please verify and remove any inaccurate entries. 

XXXX. Charged-Off Accounts : Creditor Account Number Reported Date Balance Notes XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Please verify and remove if unauthorized. 

Please investigate these items and update my credit report accordingly.

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 2025-12-15 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 dispute the reporting of the following accounts appearing on my Experian credit report These accounts contain inaccuracies and must be reviewed and corrected The accounts are XXXX XXXX  Acct No XXXX Bal XXXX Date Opened XXXX XXXX XXXX  Acct No XXXX Bal XXXX Date Opened XXXX XXXX XXXX  Acct No XXXX Bal XXXX Date Opened XXXX and XXXX XXXX  Acct No XXXX Bal XXXX Date Opened XXXX In addition the following unauthorized inquiries appear on my Experian credit report and are disputed as inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX dated XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX dated XXXX XXXX dated XXXX XXXX  dated XXXX XXXX XXXX  dated XXXX XXXX  XXXX  dated XXXX and XXXX XXXX DC dated XXXX. 

These fraudulent accounts and inquiries have resulted in inaccurate and damaging information appearing on my Experian consumer credit report and I demand that all of these fraudulent items be removed immediately and that any related collection activity cease pursuant to my rights under the FCRA and FDCPA This serves as a formal complaint under FCRA 605B 15 USC 1681c2 requesting that Experian immediately block and permanently remove all of the above fraudulent accounts and inquiries including any associated collections charge offs late payments and hard inquiries as they were added to my credit file without my knowledge consent or authorization and are the direct result of identity theft rather than any legitimate consumer transaction These accounts were added to my Experian credit report without my knowledge or authorization and are the direct result of identity theft, not any legitimate consumer transaction. In support of this request, I have provided my official FTC Identity Theft Report, Report Number XXXX, along with all required supporting 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 2025-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Possible Financial Inc
State: TX

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within XXXX  days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my creditreport.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
According FCRA section 60B it is illegal to report information on my credit report without my permission thank you please remove this 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 2025-12-15 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: IN

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC
State: PA

Complaint narrative:
The creditor reported a 30-day late payment that does not accurately reflect my payment history. My account shows multiple payments exceeding the minimum due prior to the reported delinquency period. This indicates a payment application or reporting error. I have disputed this directly with the credit bureau and request correction or removal of the inaccurate late payment. 

Credit reporting company : XXXX  Creditor name : XXXXXXXX XXXX XXXX XXXX ( exact name as shown ) Issue type : Inaccurate payment history / late payment reported in error Account currently under dispute for inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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:
On XX/XX/year>, TransUnion received my formal identity theft blocking request submitted under the Fair Credit Reporting Act ( FCRA ) 605B. This submission was not a standard dispute under 611, but a formal demand for the blocking of fraudulent information resulting from identity theft. My package included all documentation required under 605B ( b ) : A copy of my government-issued ID Proof of current address ( bank statement ) A copy of my Social Security card A completed and signed FTC Identity Theft Report The fraudulent account identified in my credit report is : XXXX Account No. XXXX Date Opened XXXX, TransUnion confirmed receipt of my identity theft submission on XX/XX/year>, yet as of today ( well beyond 4 business days ), this fraudulent account remains on my credit report. This is a direct violation of FCRA 605B ( c ) ( 1 ) ( A ), which mandates that consumer reporting agencies must block all information resulting from identity theft within four business days after receiving proper documentation. Furthermore, TransUnion continued publication of information that it knows or should know to be false constitutes noncompliance with 623 ( a ) ( 1 ) ( A ), which prohibits furnishers or consumer reporting agencies from reporting information they know to be inaccurate. TransUnion failure to implement the required block also enabled continued data furnishing in violation of 623 ( a ) ( 5 ) ( A ), which requires furnishers to properly identify, suppress, and cease reporting accounts that have been confirmed as resulting from identity theft. By not fulfilling its blocking duty under 605B, TransUnion effectively allowed furnishers to continue transmitting fraudulent data undermining the legal protections Congress established to safeguard victims of identity theft. As a result, my credit report remains distorted, my credit score is artificially suppressed, and I continue to face unjust denials of credit and reputational harm.

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