vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-26 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: NV

Complaint narrative:
XXXX XXXX and XXXX XXXX was both reporting the same account from with different account number and account names. XXXX XXXX XXXX buyout the company XXXX XXXX and reported my information on the credit bureau Equifax XXXX XXXX and XXXX as two different accounts.

1 I am asking for the Purchase Agreement from XXXX without that key information I want my account deleted from all three credit agencies. 
2 Provide me with the debt I agreed to pay with the original signature and payment history.

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 2025-04-26 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: NV

Complaint narrative:
XXXX XXXX and XXXX XXXX was both reporting the same account from with different account number and account names. XXXX XXXX XXXX buyout the company XXXX XXXX and reported my information on the credit bureau Equifax XXXX XXXX and XXXX as two different accounts.

1 I am asking for the Purchase Agreement from XXXX without that key information I want my account deleted from all three credit agencies. 
2 Provide me with the debt I agreed to pay with the original signature and payment history.

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 2025-04-26 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: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-04-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: NJ

Complaint narrative:
If I was born in XXXX why would Federal student loan reported to my account a loan from XXXX? At less than XXXX XXXX XXXX I was already in college? The person that I spoke to was laughing but not has been done. 

This was started after I closed my account with XXXX which is a credit repair agency. 
I opened the account with XXXX where my score was already 580, but when I realized there was no progress made with my credit score with XXXX that my bank credit score reported 602 which is higher than what XXXX has been reported, I closed the XXXX account. I soon as I did that, the next day my credit score went down to more than100 points. 

All the Federal students loans popped up including loans from XXXX which they added to my account. 

When I call the Federal student loan to discuss the matter, they told me that they can not see it on their part.

Please help. I don't have a car now which I was about to purchase and also trying to get a business loan all that effort to build my credit went down the drain.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Self Financial Inc.
State: NJ

Complaint narrative:
I tried informing the company I was a victim of identity theft in XXXX and XXXX when the account was opened. This was not the only account opened without my authorization it was bank account, several credit card accounts, and personal loans. Theses things were not done by me not given consent by me I tried calling the bank and fixing it but they made me settle out the account however the account is still on my credit after we agreed they would take it off after I paid even thought the debt wasnt mine to begin with. I will attach the lawsuit I was evolved in due to the identity theft. It was dropped and I sued them because I was able to prove I was still in the XXXX during the time of this incident. And the account in fact did not belong to me and the courts granted me the win.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of Identity Theft. 
* Name * SSN * Theft of Email Address/ XXXX XXXX Manipulation of Address * Manipulation of Phone Number * Theft by Credit Card XXXX XXXX XXXX Theft opening unauthorized Credit Card XXXX XXXX XXXX XXXX XXXX XXXX Theft of using personal information to create accounts with consumer reporting agencies. Experian/ XXXX XXXX XXXX XXXX To protect my identity, I have contacted XXXX XXXX  and Experian to create an account to update false personal information to accurate to place fraud alert and freeze. I have been successful with Transunion and Equifax. I have contacted Experian multiple times and due to having inaccurate personal information : email and phone number, which is preventing me access to my account. I was given a false case number that I was later told that it was not associated with my account. When asked to review phone log to verify the case number, fraud representative ignored request. I was inform to wait XXXX hours, XXXX hours later I attempt to create account, the scammer is manipulationing my current phone number using the last 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 2025-04-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This harmful/ erroneous information has been on my credit report of {$560.00} with XXXX  XXXX XXXX has been reporting me delinquent since XXXX XXXX and has been harmful to my consumer report and I've filed an FTC report as well because I am not aware or of acknowledgement of this account

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 2025-04-26 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: AL

Complaint narrative:
Kindly remove and block the unauthorized accounts from my credit report promptly. I did not authorize or recognize these accounts. As per USC 1681g, I am requesting they be deleted within 15 days. Ive attached documentation for your review. Additionally, the account details reported to each bureau are inconsistent and 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 non-monetary relief
Consumer complaint received 2025-04-26 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: LA

Complaint narrative:
i disputed inaccurate information regarding an account reported by XXXX XXXX XXXX. i requested that experian conduct a full investigation and validation. despite my disputeXXXX XXXX failed to properly verify the information or correct the reporting errors. the account remains inaccurately listed with false payment history and balance information. XXXX is in violation of the fair credit reporting act ( fCRA ) by failing to ensure maximum possible accuracy and by not properly responding to my dispute request.

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 2025-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Lien release
Company: GATEWAY FIRST BANK
State: TX

Complaint narrative:
We obtained a construction loan through Getaway Mortgage in XX/XX/XXXX to build the home located at XXXX XXXX XXXX, XXXX, XXXX XXXX. 


We chose to sign with a builder, XXXX XXXX XXXX, with XXXX XXXX XXXX XXXX XXXX XXXX. He is the one who referred us to XXXX XXXX XXXX Over XXXX  months, despite requirements for inspections and milestone verifications, Getaway Mortgage disbursed substantial funds to the builder without ensuring work completion. 



The builder has failed to complete the home, leaving it uninhabitable. Despite this, we have been forced to continue paying the construction loan interest monthly, causing severe financial hardship. The current total of construction loan interest I have paid has exceeded {$30000.00}. 



Our requests for accounting records, inspection reports, and explanations of disbursements have been ignored. 

We respectfully request CFPB investigate immediate protection of the undisbursed {$80000.00} balance, suspension of mortgage interest payments during resolution, and regulatory action if negligence is confirmed. 

The construction contract was signed in XX/XX/XXXX and actual construction did not commence until XX/XX/XXXX, which violates the XXXX day requirement to start construction from the day contracts are signed. This places the builder in violation of the contract before construction even began. XXXX Bank failed to enforce this. 

The builder has failed to complete the home, leaving it uninhabitable. Despite this, we have been forced to continue paying the mortgage interest, causing severe financial hardship. 

Our requests for accounting records, inspection reports, and explanations of disbursements have been ignored. 

We believe Getaway Mortgage engaged in negligent loan management and breached fiduciary duties, contributing to significant damages. Loan draw requests were placed prior to work being executed, causing severe delays and mechanical liens to be placed by vendors. Another concern is that the builder received draw funds into either a personal or business account which was not designated as a " trust account ''. He has most certainly used these funds for either personal reasons or anything other than execution of the home construction. This violates both federal and state laws. Both XXXX XXXX Sheriff office and the FBI have been notified and they are investigating the case. 


We have fired the builder and notified both him and Gateway Bank of the termination. The builder has failed to sign the lien release form, and Gateway Bank has failed to enforce the contract and remove the builder. Gateway Bank has declined to suspend interest collection until the builder is removed and a new one is hired. Gateway Bank is obviously only concerned with collection of interest, and not concerned with protecting their client.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: GA

Complaint narrative:
I, XXXX XXXX XXXX, am writing to formally dispute inaccurate information currently listed on my credit report. This information is harming my financial reputation and overall well-being. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, you are legally required to conduct a reasonable and timely investigation of any disputed item and respond within 30 days.

Recently, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against Experian for allegedly conducting sham investigations, failing to adequately investigate consumer disputes, and reinserting inaccurate data without notification. These practices violate consumer protections and create systemic risks to credit accuracy. I am concerned that my dispute may be handled in a similar negligent manner, which would be a direct violation of the FCRA. 

According to the CFPB, violations have included : Inadequate investigation of consumer disputes ; Reinsertion of previously disputed and inaccurate information without notice ; Failure to notify consumers of investigation outcomes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: GA

Complaint narrative:
I, XXXX XXXX XXXX, am writing to formally dispute inaccurate information currently listed on my credit report. This information is harming my financial reputation and overall well-being. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, you are legally required to conduct a reasonable and timely investigation of any disputed item and respond within 30 days.

Recently, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against Experian for allegedly conducting sham investigations, failing to adequately investigate consumer disputes, and reinserting inaccurate data without notification. These practices violate consumer protections and create systemic risks to credit accuracy. I am concerned that my dispute may be handled in a similar negligent manner, which would be a direct violation of the FCRA. 

According to the CFPB, violations have included : Inadequate investigation of consumer disputes ; Reinsertion of previously disputed and inaccurate information without notice ; Failure to notify consumers of investigation outcomes.

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 2025-04-26 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:
I am filing this complaint because Transunion violated my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, I submitted a written dispute to Transunion on XX/XX/year> regarding inaccurate information on my credit report XXXX. XXXX Account XXXX : XXXX XXXX. XXXXXXXX XXXX Account XXXX : XXXX. 
Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Transunion is required to conduct a reasonable investigation and respond within 30 days of receiving a consumers dispute.

Transunion failed to meet this obligation. They did not complete their investigation or provide me with the results of their investigation within the 30-day period as mandated by law. The FCRA is very clear that if information in a consu
mers credit report is disputed, the credit reporting agency must investigate and report the results back to the consumer within 30 days.

By exceeding the 30-day timeframe, Transunion violated my rights under the FCRA. Their delay caused me undue stress and potential harm to my financial standing. I respectfully request that the CFPB investigate Transunions failure to comply with FCRA guidelines, hold them accountable for this violation, and require them to take corrective action to ensure timely responses to consumer disputes in the future.

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 2025-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: IL

Complaint narrative:
I review my report and noted items that were not mine.

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 2025-04-26 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: NJ

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 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 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: NJ

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 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 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 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

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 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
This complaint is related to an unauthorized hard inquiry, but I also want to note that I will be taking further action separately against Experian for the extreme difficulty I have had accessing my account, reporting fraud, and obtaining assistance. 

Over the past XXXX weeks, I have made dozens of attempts to log into my Experian account and contact customer service. Each time, I encountered either an error preventing access or automated phone responses stating that my issue does not meet the threshold for escalation to support, followed by being disconnected. Despite numerous attempts, Experian has failed to allow me to securely access my credit file or provide any legitimate fraud support. 

Because I can not log into my account, can not connect with anyone from the XXXX Department or Customer Service, and due to Experians repeated failure to assist me, I am submitting this CFPB complaint. 

I am filing this complaint regarding an unauthorized hard inquiry that appeared on my Experian report. On XX/XX/year>, XXXX XXXX XXXX of XXXX pulled my Experian credit report without my consent. I applied for an XXXX loan directly through XXXX XXXX XXXX, who only accessed my XXXX file. I completed XXXX loan application and granted permission only to XXXX XXXX XXXX to pull my credit not the dealership. 

I take careful steps to lock and unlock my credit files only when necessary. This dealership inquiry on my Experian report is unauthorized and violates my rights under the FCRA. I am requesting its immediate removal, after an investigation is completed.

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