vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There is a fraudulent account listed on my credit report that I did not apply for, authorize, or recognize. I have no affiliation with the reporting creditor, and its presence is false, harmful, and unjustified.

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 2025-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: M&T BANK CORPORATION
State: GA

Complaint narrative:
: XXXX XXXX # XXXX Missed XXXX Taxes due to lost/missing mail caused delay in tax payment, found out and sent payoff directly M & T bank to satisfy payoff regarding the Escrow account. But got letter acknowledging the payment, confirming escrow zeroed out and to wait for adjustment and reverting to old payment schedule but never got it and rather got default letter in mail saying we were still owing escrow which has triggered escalation of account delinquency and bank refused to remove escrow. Not sure if this letter was issued after receiving the funds for the payment and settlement of the escrow account but just need to clarify that the case for the justification of statement as indicated in your letter was wrong because M & T was caught with their pants down lying about making claims of Tax payment on the account they did not make ( according to my recollection ). At the time this situation occurred, this was refuted and debunked by cancelled checks confirming receipt from the County and City of proof of payment from Myself that proving the reason for such stated claims of escrow accounts being established could not be justified as this was proven not true and therefore nullifies your excuse for trying to keep the escrow open as the first offence was a false flag. 
As far as we understand, the account has been serviced as none escrow since it was established in XXXX Homebanc/ XXXX XXXX that was transferred to XXXX XXXX XXXXXXXX and cancelled through the quiet title period of funds paid by the government to settle such accounts, save such banks and such notes during the last Banking crash, yet got transferred, not as a cancelled note but a phantom still serviced by M & T. We chose not to litigate but continue our schedule of payments. 
Please clarify who is receiving payment for this note. Would like to use this opportunity to establish the fact that the incident that happened years ago was not legitimate and therefore should not be used as grounds for enforcing escrow you have already received payment for the taxes and Insurance for XXXX Now want an investigation into why account is showing originated in XXXX and not XXXX as indicated in closing documents attached. 

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 explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-08-08 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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:
This is my formal follow up complaint regarding the unauthorized accounts being reported on my credit file. I previously contacted your office on XX/XX/XXXX to dispute the following items, and I have not received adequate validation or proof of permissible purpose under federal law. Under FCRA 604 ( f ) 15 U.S.C. 1681b ( f ), a consumer reporting agency may not furnish a consumer report to any person without a permissible purpose as defined by the statute. Any access to my credit file without such a purpose is a violation of federal law, and any account or inquiry furnished to you without my authorization or consent must be immediately removed. The items in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance 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 2025-08-08 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: GA

Complaint narrative:
I am submitting this complaint as a victim of identity theft. I discovered that multiple credit accounts were fraudulently opened in my name while I was incarcerated from XXXX XXXX XXXX through XX/XX/XXXX * *, during which time I had no ability to access credit, authorize new accounts, or engage in any financial activity. 

Upon obtaining my credit reports from the three major credit bureaus ( Equifax, Experian, and TransUnion ), I identified several accounts that I did not open, use, or authorize. These accounts were opened and in use during a time when I was in federal custody, and I have attached documentation to confirm my incarceration during this period. 

I have taken the following actions : * I filed an * * Identity Theft Report * * with the * * Federal Trade Commission * * ( FTC ) through IdentityTheft.gov. 
* I submitted written disputes to the credit bureaus requesting the removal of these fraudulent accounts. 
* I contacted the creditors directly, where possible, to dispute the accounts and request closure and removal. 

Despite these steps, some of the fraudulent accounts remain on my credit reports, and I have not received adequate resolution from the bureaus or the creditors involved.

I am requesting the CFPBs assistance in : 1. Investigating the mishandling of my dispute by the credit reporting agencies and creditors.

2. Ensuring that all fraudulent accounts opened during my incarceration are permanently removed from my credit reports.

3. Holding the responsible parties accountable for failing to properly investigate and remediate my identity theft claim.

I have included supporting documentation with this complaint, including : * Proof of incarceration ( e.g., Department of Corrections records, release papers ) I respectfully request urgent action, as these fraudulent accounts are severely damaging my credit and hindering my ability to reintegrate into society following my release. 

Thank you for your attention to this matter. 

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 2025-08-08 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 am submitting this complaint as a victim of identity theft. I discovered that multiple credit accounts were fraudulently opened in my name while I was incarcerated from XXXX XXXX XXXX through XX/XX/XXXX * *, during which time I had no ability to access credit, authorize new accounts, or engage in any financial activity. 

Upon obtaining my credit reports from the three major credit bureaus ( Equifax, Experian, and TransUnion ), I identified several accounts that I did not open, use, or authorize. These accounts were opened and in use during a time when I was in federal custody, and I have attached documentation to confirm my incarceration during this period. 

I have taken the following actions : * I filed an * * Identity Theft Report * * with the * * Federal Trade Commission * * ( FTC ) through IdentityTheft.gov. 
* I submitted written disputes to the credit bureaus requesting the removal of these fraudulent accounts. 
* I contacted the creditors directly, where possible, to dispute the accounts and request closure and removal. 

Despite these steps, some of the fraudulent accounts remain on my credit reports, and I have not received adequate resolution from the bureaus or the creditors involved.

I am requesting the CFPBs assistance in : 1. Investigating the mishandling of my dispute by the credit reporting agencies and creditors.

2. Ensuring that all fraudulent accounts opened during my incarceration are permanently removed from my credit reports.

3. Holding the responsible parties accountable for failing to properly investigate and remediate my identity theft claim.

I have included supporting documentation with this complaint, including : * Proof of incarceration ( e.g., Department of Corrections records, release papers ) I respectfully request urgent action, as these fraudulent accounts are severely damaging my credit and hindering my ability to reintegrate into society following my release. 

Thank you for your attention to this matter. 

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 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Chime Financial Inc
State: GA

Complaint narrative:
To Whom It May Concern, I am formally disputing the accuracy of the information your company, Chime XXXX XXXXXXXX XXXX XXXX, has provided to the credit reporting agencies. The item in question is causing significant harm to my creditworthiness and is inaccurate and/or unverifiable. The following details describe the issue : Inaccurate reporting of account status and balance that can not be verified. 
This is a request for validation and verification under the Fair Credit Reporting Act ( FCRA ) and other applicable laws. If you can not provide proper validation within the legally required timeframe, this item must be deleted from my credit report immediately. 
Laws Violated : FCRA 609 ( a ), 611, 623 Please provide all documentation used to verify this account, including contracts with my signature, account statements, and any other relevant records. If you can not provide these within 30 days, you must remove the item from my credit report and notify all credit bureaus to which you have reported it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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 submitting this formal complaint against Transunion for repeated and egregious violations of the Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C. 1681 et seq. Over an extended period of time spanning well beyond a year, I have submitted numerous formal disputes regarding the fraudulent XXXX XXXX XXXX XXXX XXXX XXXX, which was accessed and reported without a permissible purpose in direct violation of 1681b ( a ). Despite providing all required documentation including government-issued identification, proof of address, a valid Identity Theft Report, and a signed statement under penalty of perjuryTransunion has failed to take corrective action or respond as required by law. My signed statement under penalty of perjury was submitted in accordance with FCRA 605B, which requires credit reporting agencies to block fraudulent information when a consumer provides proper identity theft documentation. This sworn statement affirms that the disputed account was not authorized by me and is the result of identity theft, and it legally obligates Transunion to block the account within four business days of receipt. Their failure to do so is a direct violation of 605B ( a ). The following letters were sent as part of my ongoing efforts to resolve this matter : XXXX Sent Demand for Immediate Action : Violations of the Fair Credit Reporting Act ( FCRA ) Related to Identity Theft - Sent Formal Dispute Under the FCRA Regarding Identity Theft, XXXXXXXX XXXX XXXX ID Theft Non Compliance Letter Failure to Reinvestigate Disputed Account Under FCRA, XXXX  Sent Formal Complaint Regarding FCRA and XXXX XXXX Noncompliance XXXX XXXX Sent Disputed the Account and Requested Verifiable, Validated Proof. 
These letters, along with many others sent prior, were submitted in good faith and in full compliance with FCRA procedures. Transunion has ignored these disputes and failed to respond within the statutory 30-day window under 1681i ( a ) ( 1 ) ( A ), constituting repeated and ongoing violations of federal law.

Transunion s continued reporting of the XXXX account after being notified multiple times of its illegitimacy and lack of permissible purpose demonstrates a pattern of willful noncompliance under 1681n and negligent noncompliance under 1681o. These repeated violations have caused me substantial financial harm, emotional distress, and reputational damage, including denial of credit opportunities and undue scrutiny.

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 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To Whom It May Concern, I am formally disputing the accuracy of the information your company, XXXX XXXX XXXX XXXX XXXXXXXX, has provided to the credit reporting agencies. The item in question is causing significant harm to my creditworthiness and is inaccurate and/or unverifiable. The following details describe the issue : Inaccurate reporting of account status and balance that can not be verified. 
This is a request for validation and verification under the Fair Credit Reporting Act ( FCRA ) and other applicable laws. If you can not provide proper validation within the legally required timeframe, this item must be deleted from my credit report immediately. 
Laws Violated : FCRA 609 ( a ), 611, 623 Please provide all documentation used to verify this account, including contracts with my signature, account statements, and any other relevant records. If you can not provide these within 30 days, you must remove the item from my credit report and notify all credit bureaus to which you have reported it.

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 2025-08-08 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: GA

Complaint narrative:
To Whom It May Concern, I am formally disputing the accuracy of the information your company, XXXX XXXX XXXXXXXX XXXX XXXX, has provided to the credit reporting agencies. The item in question is causing significant harm to my creditworthiness and is inaccurate and/or unverifiable. The following details describe the issue : Inaccurate reporting of account status and balance that can not be verified. 
This is a request for validation and verification under the Fair Credit Reporting Act ( FCRA ) and other applicable laws. If you can not provide proper validation within the legally required timeframe, this item must be deleted from my credit report immediately. 
Laws Violated : FCRA 609 ( a ), 611, 623 Please provide all documentation used to verify this account, including contracts with my signature, account statements, and any other relevant records. If you can not provide these within 30 days, you must remove the item from my credit report and notify all credit bureaus to which you have reported it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: GA

Complaint narrative:
To Whom It May Concern, I am formally disputing the accuracy of the information your company, XXXX XXXX XXXX XXXX XXXX has provided to the credit reporting agencies. The item in question is causing significant harm to my creditworthiness and is inaccurate and/or unverifiable. The following details describe the issue : Inaccurate reporting of account status and balance that can not be verified. 
This is a request for validation and verification under the Fair Credit Reporting Act ( FCRA ) and other applicable laws. If you can not provide proper validation within the legally required timeframe, this item must be deleted from my credit report immediately. 
Laws Violated : FCRA 609 ( a ), 611, 623 Please provide all documentation used to verify this account, including contracts with my signature, account statements, and any other relevant records. If you can not provide these within 30 days, you must remove the item from my credit report and notify all credit bureaus to which you have reported it.

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 2025-08-08 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: GA

Complaint narrative:
It has come to my attention that my personal information has been exposed in a national data breach. After reviewing my credit reports I noticed some accounts that I am not familiar with. I have asked the CRA 's for validation of debt, however the information has not been provided. Due to my information been exposed I have submitted an FTC complaint reporting the information I am not familiar with. Please find attached a copy of my ID, the FTC complain, copy of XXXX report showing my data being exposed in a national data breach, copy of report Equifax confirming my data being exposed in their data breach, bill confirming my current address, and a validation of debt letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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 Dont Recognize The Address Please Rove It From My Credit Report Imminently 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 explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX reported a 30-day late payment for XX/XX/XXXX on my mortgage. However, the late mark is inaccurate and stems from XXXX violation of federal mortgage servicing rules. 

XXXX issued an escrow analysis dated XX/XX/XXXX that increased my monthly payment from {$1700.00} to {$2000.00}. That analysis was not made available to me until XX/XX/XXXX through their online portal. The new payment was due on XX/XX/XXXX, giving me only 28 days notice. 

Under RESPA ( 12 CFR 1024.17 ( k ) ( 2 ) ), mortgage servicers must give borrowers at least 30 days notice before an escrow-based payment increase becomes effective. XXXX failure to comply with that timeline made it impossible for me to adjust to the increase without disruption. I made my payment in good faith, and there was no intent or willful refusal to pay. 

XXXX failure to meet legal notice requirements directly caused the credit reporting error. This reporting is therefore inaccurate under the Fair Credit Reporting Act ( FCRA ). I am requesting that the 30-day late for XX/XX/XXXX be permanently removed and the tradeline corrected to Paid as Agreed.

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