vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-01 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: GA

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 2025-12-01 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: GA

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 non-monetary relief
Consumer complaint received 2025-12-01 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: IL

Complaint narrative:
I disputed incorrect information on my credit report, but the credit bureau said my disputes came from a third party, which is not true. I personally sent the disputes myself. I even called to confirm it was me, but they still refused to process them. 
I spent money mailing my letters and included documents to prove my identity. Its unfair that they didnt investigate properly. I just want my disputes handled correctly as required by law.

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 2025-12-01 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: DC

Complaint narrative:
Identity Theft Dispute and Request for Immediate Blocking of Fraudulent Accounts under 15 U.S.C. 1681c-2 To Whom It May Concern, I am writing to notify you that I am a victim of identity theft and to formally dispute and demand the blocking and deletion of fraudulent accounts and inquiries appearing on my credit report, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2. At this time, I have identified the following account ( s ) as fraudulent and not opened or authorized by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX These accounts are the result of identity theft and are not associated with any transaction I made or authorized. I am asserting my rights under 15 U.S.C. 1681c-2 ( a ) to have this information blocked from my credit file. Under 15 U.S.C. 1681c-2, you are legally required to block and cease reporting any information that results from identity theft once you receive proper notice from the consumer. The statute does not require a police report for such action if a valid identity theft report ( please see below ) is provided. Identity Theft Declaration ( Pursuant to 15 U.S.C. 1681c2 ) I declare that I am a victim of identity theft and that the accounts identified in this letter were opened or used fraudulently without my knowledge or authorization. These accounts are not associated with any transaction I made. I affirm under penalty of perjury that the information provided in this statement is true and correct. Executed on : XX/XX/year> I am formally notifying you now and request that you immediately flag and investigate the fraudulent nature of the account ( s ). Please be advised that the continued reporting of clearly fraudulent information may be deemed willful noncompliance with the FCRA, subject to civil liability under 15 U.S.C. 1681n and 1681o. Requested Action : Immediately block the above account ( s ) from my credit report under 15 U.S.C. 1681c-2. Upon receipt of my supplemental documentation, complete the permanent deletion of the fraudulent information within 4 business days, as required by law. Provide me with written confirmation that the account ( s ) have been blocked or removed. If you fail to act in accordance with federal law, I will be forced to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and consider legal remedies. Thank you for your prompt attention to this matter. Please consider this dispute formally open and pending until resolved in full compliance with the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TekCollect Inc.
State: CO

Complaint narrative:
I was completely scammed by XXXX XXXX XXXX. Over the phone, just before closing operations, they offered to completely refund my account. They never did, and now I am stuck with this collection account that shouldn't even exist. My teeth were never straightened, and I have ear issues now. I should not have to pay for a false service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: Westcreek Financial
State: KY

Complaint narrative:
Tried to resolve my complaint with Koalafi account number XXXX account is under former name XXXX XXXX XXXX 
Koalafi agreed to a payment of {$220.00}. I requested an agreement letter. Was told they couldn't send me an agreement letter. 
When you send them a letter or and email they both come back as undeliverable. The only form of contact is phone. When you request written documentation the company refuses. This company is showing fraudulent scam actions .. I am just trying to resolve this issue so it will be off my credit report .. Koalafi is not allowing me the opportunity to resolve in confidence. Why? Koalafi only contact is by phone XXXXXXXX XXXX This agreement of XXXX was only good till XX/XX/year> .. Which on XX/XX/year> i felt threatened when kept asking for agreement letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Consumer Financial Services Solutions, Inc.
State: MO

Complaint narrative:
company states plainly on website XXXX to XXXX months till debt free according to my account its XXXX months, they already have a large sum to pay with and still getting charged a monthly fee abd if this holds true they stand to profit XXXX to XXXX,,,, nearly the amout of debt .And when asked I'm not getting exact amounts from them, also wasnt given no writen contract

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: TX

Complaint narrative:
After reviewing my credit report, I am concerned to see a late payment notation, even though I have never missed a payment.

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 2025-12-01 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: AR

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: NC

Complaint narrative:
XXXX XXXX XXXX is reporting XXXX XXXX late payments for XX/XX/year> and XX/XX/year> that are inaccurate and unverifiable. 
I requested validation of these late payments, including payment posting logs, payment history records, timestamped servicing notes, and XXXXXXXX XXXXcompliant reporting data. XXXX has not provided full documentation. 
The information being furnished to the credit bureaus is incomplete and not in full compliance with FCRA 611 or XXXX XXXX standards. 
I am requesting a full investigation and correction or removal of the inaccurate late payment reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: NC

Complaint narrative:
After reviewing my credit report, I am concerned to see a late payment notation, even though I have never missed a payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: RI

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-12-01 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: FL

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 XXXX is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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 implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-12-01 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 request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

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 2025-12-01 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: Self Financial Inc.
State: CA

Complaint narrative:
I previously filed a complaint regarding Self Financial reporting a secured credit card account on my credit report.

Self responded with generic documents ( a blank card agreement and a transaction list ) that do not prove the account belongs to me. 

They failed to provide : No signed agreement No e-signature audit trail No IP address No application data No device information No proof I funded the security deposit No billing statements addressed to me No notices of late payments No identity verification results The documents they provided do not establish that I opened this account, nor do they show any link to my identity. 
Under FCRA 623 ( a ) ( 8 ), a furnisher must conduct a reasonable investigation and validate identity when ownership is disputed.

Self Financial did not do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: TX

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: MO

Complaint narrative:
I am not associated with the creditors listed and did not authorize this inquiry. Please remove it from my credit report immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: MO

Complaint narrative:
I am not associated with the creditors listed and did not authorize this inquiry. Please remove it from my credit report immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: TX

Complaint narrative:
I request the immediate removal of this late payment from my account, as it is not correct and does not show my true payment history. I have always made my payments on time, and this mistake should not be there. This was paid as agreed and should not be showing negatively on my report. Please update my account 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 explanation
Consumer complaint received 2025-12-01 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: NY

Complaint narrative:
I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within XXXX  days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: WA

Complaint narrative:
I had previously submitted a complaint about fraudulent activity on my TransUnion credit report. ( Complaint ID : XXXX ) In response to this complaint, TransUnion deleted the WRONG account from my credit report. I was an authorized user of the most current XXXX Credit Card account. This was NOT the fraudulent account. The fraudulent account has already been removed. Please put the correct account back on my report. Thank you.

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 2025-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
Recently, Regions Bank, my mortgage lender had charged me an additional amount of {$3600.00} for the purchase of the private mortgage insurance ( PMI ) on my house, on XX/XX/XXXX from the current year, which I did not authorize and I am not obligated to pay it because : - My house has reached and exceeded 20 % of the house 's value and besides I meet all the others criteria which I have already proven with documentation in XX/XX/XXXX. 

- And on XX/XX/XXXX, Regions Bank sent me a letter stating the automatic termination of my private mortgage insurance ( PMI ) because I had filed complaints with the Bureaus that regulate this bank, which act dishonestly, and unfairly, showing no regard for consumer rights and failing to comply with the law : Under Section 4902 ( a ) of the Homeowner Protection Act of 1998 Prescribes guidelines for mandatory termination of PMI when the owner has reached the criteria the is required by law. 

This bank is acting in bad faith by putting the PMI back on my account again ; something strange is going on with this bank, they are not treating people fairly, this bank is not behaving like a bank. I wonder if Are they always acting like that? Are they taking advantage of their power? 

I am attaching these necessary information which I believe will be very useful : 1- On XX/XX/XXXX I filed a complaint through Office of Congressman XXXX XXXX XXXX XXXX XXXX and I got a response through my email 2- Also, On XX/XX/XXXX I filed a complaint through CFPB explaining the issue with Regions Bank XXXX 
3- After all the complaints that I had made through these Bureaus the Bank Cancel de PMI on my house. 


I kindly ask CFPB to help me with this situation and also by exposing this matter I am helping to prevent it from happening to others.

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 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

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