vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-05 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:
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 2025-08-05 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: MI

Complaint narrative:
I am filing a formal complaint under the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1681c2.

The listed credit reporting agency is reporting accounts, inquiries, and/or collections that do not belong to me and were added without my consent. These items resulted from the unauthorized use or distribution of my personal information and qualify under the legal definition of identity theft.

I have submitted an official FTC Identity Theft Report detailing the affected items. I am requesting the immediate block and deletion of all unauthorized or unverifiable accounts, inquiries, and collections under federal law.

The CRA has no permissible purpose or verifiable source to continue reporting these items. If they can not verify each disputed item with documented evidence, they are legally required to remove them within 4 business days under 15 USC 1681c2.

I am attaching : FTC Identity Theft Report My government-issued ID Social Security card Proof of address A list of disputed accounts/inquiries Please investigate and remove the accounts and all associated negative information 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 2025-08-05 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:
I am filing a formal complaint under the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1681c2.

The listed credit reporting agency is reporting accounts, inquiries, and/or collections that do not belong to me and were added without my consent. These items resulted from the unauthorized use or distribution of my personal information and qualify under the legal definition of identity theft.

I have submitted an official FTC Identity Theft Report detailing the affected items. I am requesting the immediate block and deletion of all unauthorized or unverifiable accounts, inquiries, and collections under federal law.

The CRA has no permissible purpose or verifiable source to continue reporting these items. If they can not verify each disputed item with documented evidence, they are legally required to remove them within 4 business days under 15 USC 1681c2.

I am attaching : FTC Identity Theft Report My government-issued ID Social Security card Proof of address A list of disputed accounts/inquiries Please investigate and remove the accounts and all associated negative information immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: NC

Complaint narrative:
This is now my third formal dispute. You have failed to meet your obligations under the FCRA to provide verifiable documentation proving the accuracy of the reported accounts. Under FCRA 1681e ( b ), credit bureaus must maintain maximum possible accuracy, and under FCRA 1681s-2 ( b ), furnishers must investigate disputed information. Failure to do so violates federal consumer protection laws, and I am prepared to escalate this matter further if not resolved promptly.

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 2025-08-05 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: NC

Complaint narrative:
This is now my third formal dispute. You have failed to meet your obligations under the FCRA to provide verifiable documentation proving the accuracy of the reported accounts. Under FCRA 1681e ( b ), credit bureaus must maintain maximum possible accuracy, and under FCRA 1681s-2 ( b ), furnishers must investigate disputed information. Failure to do so violates federal consumer protection laws, and I am prepared to escalate this matter further if not resolved promptly.

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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AK

Complaint narrative:
On XX/XX/year>, I disputed XXXXree inaccurate accounts with Experian : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  ) Experian received my dispute on [ insert USPS delivery date ], as confirmed by certified mail tracking. I have not received any written investigation results within 30 days, as required by FCRA 1681i ( a ) ( 1 ), nor any written notice within 5 business days stating that my dispute was considered incomplete, frivolous, or irrelevant, as required by FCRA 1681i ( a ) ( 3 ). 

This is a direct violation of the Fair Credit Reporting Act. The accounts are unverifiable and must be deleted from my Experian file.

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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: MS

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : CREDIT ACCEPTANCE CORP XXXXXXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: LEXISNEXIS
State: FL

Complaint narrative:
I am submitting this formal complaint against LexisNexis for continuing to report inaccurate and unverified information related to an XXXX personal loan account. 
Account number XXXX I have previously disputed this information with LexisNexis and requested supporting documentation to verify the accuracy of the data, including : The original signed application or loan agreement Full payment history Chain of assignment or servicing records Legal authorization to furnish this data under the FCRA LexisNexis has failed to provide any documentation from Upgrade or validate the accuracy of this account. Despite this, the account remains on file and is negatively impacting my consumer data profile. 

This constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ), particularly : FCRA 609 Right to full disclosure FCRA 611 Right to dispute inaccurate information FCRA 623 Duty of furnishers to provide accurate information Because the Upgrade account has not been verified through proper documentation, and LexisNexis has failed to demonstrate its accuracy or correct the disputed information, I am demanding its immediate removal from my LexisNexis file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: CA

Complaint narrative:
This letter is being sent directly from me, the consumer, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I am disputing specific accounts on my credit report that were opened as a result of identity theft. This is not a third-party dispute, and I am submitting this letter personally to ensure full compliance with federal law. Under FCRA 605B, you are required to block all fraudulent information from my report within four business days of receiving proof of identity theft. Additionally, FCRA 611 ( a ) obligates you to conduct a proper investigation of my dispute and respond within 30 days. I also request full disclosure under FCRA 609 ( a ) ( 1 ) ( A ) of all information used to verify these disputed accounts and any results of any previous investigations conducted. 

Enclosed you will find a copy of my government-issued ID, proof of address, FTC identity theft reports, and a signed statement under penalty of perjury confirming the accuracy of my claim. These documents should fulfill all documentation requirements under federal law. 

XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: NY

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: AL

Complaint narrative:
am disputing inaccurate information furnished by XXXX regarding my auto loan ( Account # XXXXXXXX XXXX XXXX XXXX XXXX  ) that is appearing on my XXXX  credit report. XXXX  is reporting XXXX consecutive XXXX late payments for XX/XX/year> through XX/XX/year>. These are factually incorrect and violate the Fair Credit Reporting Act ( FCRA ). 
The loan has a due date of the XXXX of each month. I have provided XXXX and XXXX  with clear documentation showing the following : XX/XX/year> Paid XX/XX/XXXX XX/XX/year> Paid XX/XX/XXXX XX/XX/year> Paid XX/XX/XXXX XX/XX/year> Paid XX/XX/XXXX XX/XX/year> Paid XX/XX/XXXX XX/XX/year> Paid XX/XX/XXXX and XX/XX/XXXX All of these payments were made well within the XXXX window, and none should be reported as 30 days late. My XXXX  and XXXX  reports both show this account as current. Only XXXX  is showing inaccurate late marks. 
I have attempted to resolve this directly with both all credit bureaus and XXXX but have not received a resolution. I am requesting that the CFPB investigate and require XXXX to correct this inaccurate reporting with all credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: SELECT PORTFOLIO SERVICING, INC.
State: LA

Complaint narrative:
Ask the mortgage servicing company for statements of interest and principal paid from the beginning of mortgage to now. The only sent statements from XXXX to XXXX. I being paying on this mortgage for 20 years. This is tthe second complaint. I have not gotten payment credit for payment made.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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 Autopay. 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 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days 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 explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: M&T BANK CORPORATION
State: CO

Complaint narrative:
We purchased our home using the VA loan in XXXX, and listed it for sale in XXXX. We very quickly received an offer and we under contract, still in XXXX. The buyers wanted to assume our VA loan. M & T Bank, our loan servicer, told us that it would take about 90 days to close, but it could be sooner. 

In XXXX, we put a contingent offer on a new home. We were able to move forward using a program called XXXX, which allows us to rent the home until the closing on our original home, but the rent increases by 10 % each month. We planned on closing in XXXX or XXXX, and found this acceptable. 

M & T provided almost no updates through XXXX and XXXX, in spite of repeated requests from us, our realtor, and the buyer 's agent. They finally said we couldn't close until XX/XX/XXXX. On XX/XX/XXXX, after repeated attempts to contact them, they called our agent and said that, due to recent layoffs, they were not ready to close. Thet have refused to provide an updated closing date. After additional attempts to contact them, they changed their story and said they were still waiting on pay stubs from the buyer. The buyer is also military, so pay stubs don't change much. After XX/XX/XXXX, we made an agreement with the buyers that they can rent from us until closing, so that we aren't losing so much money. 

We are still awaiting a closing date, and our loan lock on our new home will expire in less than a month. I am constantly asking for updates from the bank and not recieving answers, as are my agent and the buyers ' agent. I have never felt so frustrated and helpless with a company before.

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 2025-08-05 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: AL

Complaint narrative:
am disputing inaccurate information furnished by XXXX regarding my auto loan ( Account # XXXXXXXX XXXX XXXX XXXX XXXX ) that is appearing on my XXXX  credit report. XXXX  is reporting XXXX consecutive 30-day late payments for XX/XX/year> through XX/XX/year>. These are factually incorrect and violate the Fair Credit Reporting Act ( FCRA ). 
The loan has a due date of the XXXX of each month. I have provided XXXX and XXXX  with clear documentation showing the following : XX/XX/year> Paid XX/XX/XXXX XX/XX/year> Paid XX/XX/XXXX XX/XX/year> Paid XX/XX/XXXX XX/XX/year> Paid XX/XX/XXXX XX/XX/year> Paid XX/XX/XXXX XX/XX/year> Paid XX/XX/XXXX and XX/XX/XXXX All of these payments were made well within the 30-day window, and none should be reported as 30 days late. My XXXX  and XXXX  reports both show this account as current. Only XXXX  is showing inaccurate late marks. 
I have attempted to resolve this directly with both all credit bureaus and XXXX but have not received a resolution. I am requesting that the CFPB investigate and require XXXX to correct this inaccurate reporting with all credit bureaus.

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 2025-08-05 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: AL

Complaint narrative:
am disputing inaccurate information furnished by XXXX regarding my auto loan ( Account # XXXXXXXX XXXX XXXX XXXX XXXX  ) that is appearing on my Equifax credit report. Equifax is reporting XXXX consecutive XXXX late payments for XX/XX/year> through XX/XX/year>. These are factually incorrect and violate the Fair Credit Reporting Act ( FCRA ). 
The loan has a due date of the XXXX of each month. I have provided XXXX and Equifax with clear documentation showing the following : XX/XX/year> Paid XX/XX/XXXX XX/XX/year> Paid XX/XX/XXXX XX/XX/year> Paid XX/XX/XXXX XX/XX/year> Paid XX/XX/XXXX XX/XX/year> Paid XX/XX/XXXX XX/XX/year> Paid XX/XX/XXXX and XX/XX/XXXX All of these payments were made well within the 30-day window, and none should be reported as 30 days late. My XXXX  and XXXX  reports both show this account as current. Only Equifax is showing inaccurate late marks. 
I have attempted to resolve this directly with both all credit bureaus and XXXX but have not received a resolution. I am requesting that the CFPB investigate and require XXXX to correct this inaccurate reporting with all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My credit report contains multiple inaccurate and unverifiable items that are negatively affecting my credit profile. I have previously submitted disputes to the credit reporting agencies, but several of those items were not properly investigated and were marked as verified without legitimate documentation or explanation. 

In addition, I have now identified new inaccurate or outdated entries that have not yet been disputed. These items are also harming my credit and appear to be in violation of the Fair Credit Reporting Act ( FCRA ), including sections related to the duty to maintain maximum possible accuracy and to conduct a reasonable reinvestigation ( 15 U.S.C. 1681i and 1681e ( b ) ).

I am requesting a full reinvestigation of all disputed accounts, immediate deletion or correction of any unverifiable or inaccurate information, and confirmation that the credit bureaus and furnishers have complied with FCRA obligations. 

Supporting documentation has been attached to show the errors and previous attempts to resolve them. 

I expect a fair and lawful resolution to this complaint. 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