vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, your credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

These fraudulent, inaccurate, and false information consists of a personal credit card accounts and other fraudulent collection accounts since 2021. These accounts have resulted in fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the identity theft report filed that details the fraudulent accounts on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. 
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional XXXX XXXXs to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-06-02 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: FL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional XXXX XXXXs to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: AL

Complaint narrative:
I am writing to formally dispute several items on my Experian credit report, which I reviewed on [ Insert Today 's Date ]. 
The following accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 and must be deleted immediately : [ Insert List of Accounts Here ] Upon review, I found multiple inaccuracies and unverifiable entries. Under the Fair Credit Reporting Act ( FCRA ) : - 15 USC 1681e ( b ) : CRAs must ensure maximum possible accuracy. 
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 non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
To Whom It May Concern, I'm writing as a consumer under my rights granted by the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I am disputing a repossession account currently being reported under XXXX XXXXXXXX XXXX # XXXX as inaccurate and unlawful. 

Heres why : This lender failed to provide me with the legally required Right to Redeem notice as mandated under UCC 9-611 and applicable state laws governing post-repossession notices. This notice is required before selling or disposing of the vehicle to inform the borrower of their right to reclaim the vehicle by paying the owed balance. 

Because I never received this notice, the creditor violated my consumer rights and forfeited their right to collect any remaining balance ( deficiency ), which makes the reporting of this repossession and balance inaccurate and misleading. Additionally, the failure to send a proper post-repossession notice invalidates the debt collection effort and damages my credit report unjustly. 

Furthermore, under 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information must ensure the accuracy and completeness of the data they report. This tradeline does not comply with FCRA requirements, and its presence is causing material harm to my creditworthiness. 

Let this serve as a formal demand to either ( 1 ) provide verifiable proof of the Right to Redeem being issued in compliance with federal and state law, or ( 2 ) permanently remove this repossession account and any associated balance from my credit report immediately. 

Failure to correct this will leave me no choice but to pursue this matter with the Consumer Financial Protection Bureau ( CFPB ), state regulators, and, if necessary, legal counsel. Please also note that under FCRA 616 & 617, I may be entitled to up to {$1000.00} per violation in damages for willful or negligent noncompliance. 

This is not a frivolous or automated dispute. I request that this investigation be escalated to a human compliance representative and not simply routed through the automated e-OSCAR system. I demand a full manual investigation as required under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ). 

Thank you in advance for your immediate attention and compliance. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: PA

Complaint narrative:
I need your assistance in looking into accounts from these companies that have inaccurately reported late payments. I checked my credit report and found certain accounts marked late, which is incorrect. These late payment remarks should be removed, and the accounts should be updated to reflect a positive, paid as agreed status.

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 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Complaint Against : XXXX XXXX XXXX XXXX Claimed : XXXX XXXX XXXX ( on behalf of XXXX XXXX XXXX ) Original Lender : New American Funding Property Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX Closing Date : XX/XX/XXXX I am filing this complaint against XXXX XXXX XXXX for engaging in unauthorized mortgage servicing activity, performing an illegal property inspection, and submitting inconsistent and potentially fraudulent documentation in an attempt to enforce a mortgage servicing claim without legal basis. 

Unauthorized XXXX XX/XX/XXXX On XX/XX/XXXX, a woman entered my property claiming to be conducting an inspection for XXXX XXXX XXXX. She had no identification, wore no visible badge or uniform, provided no documentation authorizing her presence and took unauthorized pictures of my property using what appears to be her personal cell phone. This unauthorized entry occurred without my consent or notice and represents a possible violation of Florida XXXX XXXX ( Trespassing ). 

Servicing Dispute No Legal Transfer Ever Recorded Since XX/XX/XXXX, XXXX has claimed to be the mortgage servicer for my home. However : No recorded assignment or servicing transfer from New American Funding to XXXX or XXXX exists in the XXXX XXXX XXXX XXXX XXXX XXXX records. 
XXXX XXXX XXXX XXXX XXXX and Tax Collector records do not list XXXX or XXXX as my mortgage servicer. 
I have not received a XXXX servicing transfer notice as required under 12 U.S.C. 2605. 
Despite repeated requests, XXXX has failed to produce a note endorsement, assignment of servicing, or legally recorded transfer. 

Conflicting & Potentially Fraudulent Documentation : - XXXX has submitted documents allegedly from the Florida XXXX XXXX XXXX ( FHFC ) in response to my servicing inquiries. I contacted XXXX directly and obtained certified public records, which do not match the documents provided by XXXX. This suggests possible submission of altered or misleading documents in violation of federal and state law. 

I have also obtained certified documents from the XXXX XXXX XXXX XXXX XXXX, and none show any recorded interest, XXXX, or assignment in favor of LoanCare or XXXX XXXX XXXX. 

Request for Multi-Agency Investigation : - Given these facts, I believe this situation merits a formal investigation not only by the CFPB but also the following agencies : Florida Attorney General Consumer Protection Division ( for potential fraud and unfair business practices ) Florida Department XXXX XXXX XXXX ( for unauthorized mortgage servicing ) XXXX XXXX XXXX XXXX XXXX XXXX and Property XXXX ( to verify public record inconsistencies ) HUD ( if Florida XXXX funds or programs are involved ) XXXX Department of Justice ( if evidence of mail/wire fraud or misrepresentation exists ) This case involves possible unauthorized servicing, fraudulent documentation, and unlawful entry onto private property.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Credit card — Store credit 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: CITIBANK, N.A.
State: CT

Complaint narrative:
I was informed of credit fraud on XX/XX/XXXX with my Home Depot credit card. I called and refuted the charge which went into investigation. The result of the investigation dated XX/XX/XXXX was that my claim is denied and I will be responsible for the charges. I since filed a police report on XX/XX/XXXX and called the store for an image of the receipt to verify that the signature was not my own. The store will not release to be, but did indicate they would cooperate with the police. 

On XX/XX/XXXX a businesses credit card was opened under a fake business name and my legal name and address. This card was closed on XX/XX/XXXX without any apparent charges. 


A second fraudulent business credit card was opened under my name ( unclear of date ) this card was used and I have received a bill which I also refuted. That investigation was started by the business on XX/XX/XXXX and currently in review.

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 2025-06-03 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: OH

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) t
hat you, your credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

These fraudulent, inaccurate, and false information consists of a personal credit card accounts and other fraudulent collection accounts since 2021. These accounts have resulted in fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the identity theft report filed that details the fraudulent accounts on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items.

I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-06-03 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: MI

Complaint narrative:
Trafficking Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 1. XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXXH Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. Please send me notification of the actions taken. I appreciate your prompt attention to this matter. Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: U.S. BANCORP
State: CA

Complaint narrative:
I applied for a U.S. Bank credit card and initially used my XXXX XXXX address. Since then, Ive updated my address multiple times ( online, by phone, and in person ) to my current XXXX XXXX address. Each time, I was told the address change was successful and that my new card would be shipped to the correct ( XXXX XXXX ) address. 

Despite these confirmations, U.S. Bank continues to send my cards and correspondence to the old XXXX XXXX address. This has happened repeatedly Ive contacted support five or more times, and even visited a branch in person, but nothing has resolved the issue. 

I believe this may be a system-level address mismatch or a case where U.S. Banks third-party card fulfillment vendor is pulling from outdated address data, even though the banks internal system appears correct to frontline support. 

This has delayed my ability to access and use the credit card I was approved for almost two months ago, and has caused considerable frustration and inconvenience.

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 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: FL

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX XXXX before the payment due date. I have requested proof that this information was mailed or delivered XXXX XXXX before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief