vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-13 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: NY

Complaint narrative:
XXXX reported/transmitted inaccurate and internally inconsistent consumer report data tied to several tradelines ( XXXX XXXX  ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). Examples include conflicting Open/Closed and collection/charge-off statuses, duplicate collectible balances for sold-debt, a XXXXAccount label on a credit-card collection, contradictory dates ( DLA/Date Reported ), and inconsistent dispute indicators. I disputed and requested the method of verification ; XXXX did not provide adequate correction or transparent verification. This violates FCRA 1681e ( b ), 1681i, 1681c, 1681b, 1681g ( a ) and fails Metro 2 expectations ( sold-debt handling, proper collection classification, accurate DOFD ). I request a proper reinvestigation ; deletion/correction of unverifiable or misleading data ; the full method of verification ; Metro 2-compliant recording ; an updated disclosure ; and no reinsertion without 1681i ( a ) ( 5 ) notices.

I am also requesting a copy of my XXXX XXXX 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 2025-09-13 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: PA

Complaint narrative:
Subject : Complaint Against XXXX XXXX XXXX/ XXXX XXXX  FCRA/FDCPA Violations for False Credit Reporting Account # XXXX Account # XXXX To Whom It May Concern, I am filing this complaint against XXXX XXXX XXXX XXXX XXXX XXXX  for knowingly reporting false information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

XXXX XXXX is reporting a past due gas bill tied to a residence in XXXX, XXXX. I have never lived in XXXX and possess records to prove this fact. I have contacted the furnisher on multiple occasions, yet the false information remains on my credit report. 

This conduct constitutes : A violation of 15 U.S.C. 1681e ( b ) failure to assure maximum possible accuracy in consumer reporting. 

A violation of 15 U.S.C. 1681s-2 ( b ) failure to properly investigate and correct disputed information.

A violation of 15 U.S.C. 1692e use of false, deceptive, or misleading representations in collection activity.

These unlawful practices have caused significant harm to my creditworthiness, reputation, and peace of mind.

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 2025-09-13 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: MO

Complaint narrative:
This complaint is against Experian, Equifax, and TransUnion. These companies are not just violating the Fair Credit Reporting Actthey are repeat offenders. The CFPB itself already fined them in XX/XX/year> for sham dispute processes. I am here, months later, proving that they are still committing the same violations. 

Over the past 45 months, I have filed disputes with all three bureaus. 

They continue to fail to provide validation documents within the legal 3045 day window. 

Instead of investigating, they only send me copies of my credit reportsstalling and deflecting. 

The fact that all three companies use the same tactics shows this is not an isolated error but a coordinated, systemic misconduct. 


This matches exactly what the CFPB identified earlier this year. That makes these repeat offenses and the companies repeat offenders. 
Screenshots and headlines from the CFPBs own XX/XX/year> enforcement actions against these bureaus. 

Those documents describe sham dispute processes that are identical to what I am experiencing now. 

Despite enforcement, these companies never stopped. They are openly violating the law again. 

This is not just about my account. Every consumer in the United States is impacted when the credit bureaus run fraudulent dispute processes. 

If a taxpayer like me can spot these repeat patterns of misconduct, then CFPB investigators can and should be able to spot them as well.

-- - Closing Statement : The CFPB already declared these practices illegal in XXXX. I am proving that the bureaus are still using them, which makes them repeat offenders. The fact that they defy enforcement actions and continue breaking the law shows blatant disregard for both regulators and consumers. 

If the CFPB ignores this, it signals to the public that prior enforcement was meaningless and that the agencies can commit repeat offenses without real accountability.

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 2025-09-13 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: FL

Complaint narrative:
Equifax is reporting inaccurate and incomplete personal information in my credit file, and it has failed to maintain accuracy in violation of the Fair Credit Reporting Act ( FCRA ). I am already a proven victim of identity theft due to industry-wide breaches, and Equifax has not taken proper steps to safeguard or correct my data. 

My Equifax credit report shows : My legal name is not reported in its full form as listed on my Social Security card, drivers license, and birth certificate. Suffixes and identifiers are missing, which creates a risk of mixed files and fraud. 

My address is not listed correctly, even though I have submitted proper documentation. 

Multiple unauthorized inquiries are being reported under my file. These inquiries were not authorized by me and were not made using my full legal identifying information. 

These actions violate the FCRA, including : 1681e ( b ) : Duty to maintain maximum possible accuracy.

1681i ( a ) : Duty to reinvestigate and correct or delete inaccurate information within 30 days.

1681g ( a ) : Duty to provide a complete and accurate disclosure of my file. 

Because Equifax continues to report unauthorized inquiries and incorrect personal identifiers, I am suffering ongoing harm as a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Date : XX/XX/year> Experian XXXX XXXX XXXX XXXXXXXX, TX XXXX Re : Formal Dispute and Request for Blocking of Fraudulent / Inaccurate Information under FCRA 605B ( 15 U.S.C. 1681c-2 ) To Whom It May Concern, I am formally disputing and demanding deletion of the following information from my credit file as provided by your agency. Under the Fair Credit Reporting Act ( FCRA ), Sections 605B ( 15 U.S.C. 1681c-2 ), 609 ( a ), and 611 ( a ), you are required to block unverifiable, inaccurate, outdated, and fraudulent information from being reported. 
XXXX. Personal Information Errors- Incorrect/variant names : XXXX XXXX XXXX XXXX XXXX XXXX This information is inaccurate and must be permanently deleted. 
XXXX. Derogatory / Negative Accounts The following accounts are either fraudulent, inaccurate, or can not be properly verified, and must be blocked under FCRA 605B : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX ( Repossession ) - XXXX XXXX XXXX / subsidiaries ( multiple entries ) - XXXX XXXX - XXXX XXXX XXXX XXXX ( negative/derogatory trade lines ) - XXXX XXXX XXXX ( negative/closed reporting ) - XXXX XXXX XXXX XXXX ( negative trade lines ) - XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collections/ Repossessions - XXXX XXXX ( auto repossession ) - XXXX XXXX XXXX ( collection ) - XXXX XXXX XXXX ( collection ) These items are the result of either identity theft, inaccurate reporting, or unverifiable records, and are causing ongoing harm. 
My Rights under Federal Law - Under FCRA 605B, you must block the reporting of all disputed fraudulent information within four ( 4 ) business days of receipt of this letter and supporting documentation. - Under FCRA 611 ( a ), you must complete a reinvestigation of disputed information within 30 days and provide me written results. - Under FCRA 609 ( a ), I have the right to receive verification of all reported accounts. If you can not produce signed contracts, account applications, or verifiable evidence linking me to the alleged debts, the accounts must be permanently deleted. 
Enclosures Provided : 1. Government-issued ID 2. Proof of address 3. FTC Identity Theft Report / Police Report ( if applicable ) Failure to comply will constitute willful noncompliance with the FCRA, subjecting your agency to civil liability under 15 U.S.C. 1681n and 1681o. 
I demand written confirmation of permanent deletion of all the above inaccurate and fraudulent information. 

Sincerely, 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 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am writing regarding the following credit account I held with Bank of America : Account Type : Credit Card Status : Closed in good standing After filing a recent dispute to remove hard inquiries from my credit report, the credit reporting agencies accidentally deleted my closed Bank of America account from my reports. 

I kindly request that you re-report this account to the three major credit bureaus ( XXXX XXXX and XXXX ) as it is a legitimate part of my credit history and I would like it to be reflected accurately. 

Please find attached copies of documents supporting my relationship with this account Thank you in advance for your assistance in correcting 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 non-monetary relief
Consumer complaint received 2025-09-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Rocket Mortgage, LLC
State: NC

Complaint narrative:
We had a house XXXX, we recieved the insurance money, we sent it to Rocket Mortgage, as a group we decided to put the $ XXXX in an Escrow Account with them as we were planing on rebuilding versus buying. About a month ago we decided to buy versus build we called Rocket Mortgage and asked them to take the money from Escrow and pay off the Home Loan, they said no problem, I have called for XXXX weeks in a row and keep getting promised it would be taken care of for now XXXX days they have refused to take the money from Escrow and apply it to my loan, this is causing two problems its affecting our ability to secure funding for a new home loan, and everyday the loan is outstanding we are paying more in Interest this is unfair and in my opinion unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: NY

Complaint narrative:
I need OneMain financial to be investigated in regards of me the consumer I sent them a check from my car insurance for {$8400.00}. It was not applied correctly to the loan. I have asked them for a copy of my relationship with them from XXXX  until now they have not yet to send it to me. Ive been switched to department to department and have gotten nowhere. I let them know the loan payments of {$640.00} a month is no longer gon na work for me. Due to the total loss of my vehicle that was in an accident they have refused to fix the vehicle that still runs and drives. It was totaled out because of the price not that it couldnt be repaired. They requested the check be applied to the loan putting me in financial hardship. I get where, I need CFPBs help with this situation, Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: SUNRISE CREDIT SERVICES, INC
State: CT

Complaint narrative:
Sunrise Credit Services , Inc . 
XXXX XXXX XXXX  XXXX, NY XXXX Contacted me by text and demanded I pay a XXXX XXXX bill . I have never had a XXXX XXXX account. This is either fraud collections by Sunrise, a collection done by identity theft from someone putting XXXX account into my name, or some scam? Either way I'm demanding that this fraudulent collection be stopped or Sunrise come forward and state that they are not pursuing such a fraudulent collection.

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 2025-09-13 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also 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 seven 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.

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 2025-09-13 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also 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 seven 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also 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 seven 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.

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 2025-09-13 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: CA

Complaint narrative:
I am formally notifying the Consumer Financial Protection Bureau of multiple erroneous items on my credit report, including a wrong address and fraudulent accounts. These inaccuracies violate FCRA Sections 1681i, 1681e ( b ), 1681s-2, 609 ( a ), 611, and 623 ( a ) ( 1 ), which require accurate and verifiable reporting. The false reporting has resulted in harm to my financial standing, denial of credit opportunities, and emotional stress. I request the CFPBs intervention to ensure thorough reinvestigation, verification, and removal of unverifiable items. 

DISPUTED ACCOUNT : XXXX XXXX XXXXXXXX XXXX | High Balance : {$1600.00} | Date Opened : XX/XX/2021 | Status : Chargeoff This account is still showing as a charge-off despite prior disputes, which is inaccurate and misleading. According to the FCRA 611 ( a ), you must provide me with the method of verification and supporting documentation from the furnisher proving the accuracy of this information. The current reporting does not provide any signed contract, original agreement, or accounting record validating this debt as legally owed by me. Continuing to report this without proof violates FCRA 623 ( b ) because furnishers must investigate disputes and report the results back to you. If they can not validate the debt, you are legally required to delete it. The presence of this account is lowering my credit score and preventing me from obtaining fair credit opportunities, which goes against the spirit of the FCRA to assure fair and equitable treatment for consumers. I demand that you either provide full documentation including original contract, payment history, and charge-off details, or delete this account immediately from my file to remain compliant with federal law. 

I respectfully request the CFPB to ensure that all reporting agencies and creditors comply with the FCRA, verifying all disputed items or deleting them if unverifiable. The false reporting has caused financial damage, stress, and harm to my reputation. I expect confirmation in writing once all inaccuracies have been fully addressed.

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 2025-09-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company
State: TN

Complaint narrative:
RE : FREEDOM MORTGAGE My loan was transferred to Freedom Mortgage without my permission, and since that time, I have had nothing but trouble getting my payments to go through. I have called them multiple times with long holds or no answer. When I do get a representative, they have told me that my bank isn't allowing the withdrawl. However, when I am on the phone with them, they have successfully withdrawn the same amount from the same bank account every time! It is impossible to believe they are not able to get my mortgage payment to go through automatically as I never had any problems with my previous mortgage company. < -- I was on automatic payments with the same bank account with them too. This seems INTENTIONALLY INEPT for the purposes of collecting late fees. 

After searching XXXX to see if others are having this problem, I see that MANY people have made the same complaint resulting in legal action from CFPB. I thank you! How can I get relief from this? How do I change mortgage companies to one that is able to perform the simple task of taking an automatic payment? I would be more than happy to participate in a class action lawsuit if that is in the works.

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 2025-09-13 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 am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$9200.00} UNAUTHORIZED INQUIRIES : 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