vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-14 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:
Subject : Response Sent to Incorrect Address / No Fraud Claim Filed / FCRA Violation To : Consumer Financial Protection Bureau ( CFPB ) Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account ending in : XXXX Complaint Type : Credit Reporting - Incorrect information on credit report Summary of Complaint : I previously submitted a dispute under the Fair Credit Reporting Act ( FCRA ) regarding an account with XXXX XXXX Credit Card ending in XXXX. 



On or around XXXX XXXX XXXX, the company sent a response letter requesting a fraud affidavit to an outdated or incorrect address ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ), despite my disputes and current address being updated and on file with the credit bureaus. 



Important : I never filed a fraud claim or claimed identity theftmy dispute was strictly based on FCRA inaccuracies and unverifiable information being reported. 


Between XXXX XXXX XXXX, the account was removed from my credit report, as confirmed by XXXX XXXX ( screenshot attached ). Despite this, I received a letter requesting further documentation to investigate a fraud claim that I never initiated. 



This mischaracterization of my dispute, use of the wrong address, and the delay in proper response constitute : A failure to properly investigate my FCRA dispute within the 30-day window A misstatement of the nature of the dispute ( fraud instead of factual FCRA error ) A procedural violation by sending private information to a wrong or outdated address

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 2025-07-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: GA

Complaint narrative:
Radius Global Solution LLC Keep harassing me for a payment I do not owe them {$4500.00}

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 2025-07-14 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: TX

Complaint narrative:
I sent a certified letter to Transunion dated XXXX vias USPS. Tracking number XXXX and the letter was received on XXXX The letter stated they needed to promptly investigate the account and correct it or delete it. This letter was ignored and then I sent another letter on date XXXX. The accounts that were included in the letter were 1. XXXX XXXX XXXX {$0.00} Account Number XXXX. 2. XXXX XXXX {$1300.00} account number XXXX & 3. XXXX XXXX {$0.00} account number 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 2025-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: TN

Complaint narrative:
XXXX XXXX XXXX transferred my mortgage to Shellpoint to be serviced. Shellpoint placed a very high lender 's placed insurance policy resulting in my mortgage increasing from {$330.00} to {$640.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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:
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 non-monetary relief
Consumer complaint received 2025-07-14 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: MD

Complaint narrative:
I am disputing inaccurate information being reported by TransUnion regarding my closed XXXX XXXX account. The account was paid off and closed on XX/XX/XXXX, yet TransUnion and XXXX  is falsely reporting late payments for XXXX and XX/XX/XXXX, which is not possible. XXXX XXXX requires that all balances be paid before an account is closed, and mine had a XXXX balance before the official closure on XX/XX/XXXX. 
I attempted to dispute this item with TransUnion/ XXXX  XXXX. The first dispute response stated : Unfortunately we did not receive dispute results for this account. When I tried again, the second dispute was canceled without explanation, and the inaccurate information was never corrected. 
I am requesting that these false late payments be removed immediately and that the payment history be corrected to reflect that the account was paid in full and closed in good standing in XX/XX/XXXX. This error is damaging my credit and must be resolved.

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 2025-07-14 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: MD

Complaint narrative:
I am disputing inaccurate information being reported by TransUnion regarding my closed XXXX XXXX account. The account was paid off and closed on XX/XX/XXXX, yet TransUnion and Equifax is falsely reporting late payments for XXXX and XX/XX/XXXX, which is not possible. XXXX XXXX requires that all balances be paid before an account is closed, and mine had a XXXX balance before the official closure on XX/XX/XXXX. 
I attempted to dispute this item with TransUnion/ Equifax XXXX. The first dispute response stated : Unfortunately we did not receive dispute results for this account. When I tried again, the second dispute was canceled without explanation, and the inaccurate information was never corrected. 
I am requesting that these false late payments be removed immediately and that the payment history be corrected to reflect that the account was paid in full and closed in good standing in XX/XX/XXXX. This error is damaging my credit and must be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: GA

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-07-14 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: MI

Complaint narrative:
TransUnion is reporting fraudulent inquiries on my credit profile after I have asked them multiple times to remove them. They are being paid by companies that I never did business with to report false information on my credit profile causing great harm to my credit and making me look bad to creditors. I have never authorized these inquiries and I demand that they be removed off my credit profile. I know that only 100 % information can be reported on my credit profile and that any inaccurate Information must be removed. These inquiries have caused me to be denied credit and has caused me great financial harm because I can't obtain credit and was denied several loans due to this inaccurate information, they refuse to remove off my credit report. I am asking that the CFPB make this company abide by the FCRA rules and demand them to remove the inaccurate and false information on my credit report. The inquiries listed below do not belong to me I never gave them permission to obtain my credit profile or gain access to my social security number. REMOVE NOW XXXX XXXX Date XXXX XXXX XXXX Date XX/XX/year> 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 2025-07-14 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: CA

Complaint narrative:
I am writing to formally report that I am a victim of identity theft. I recently discovered through my Trans Union credit report that an accounts were fraudulently opened in my name at : XXXX XXXX on XXXX, XXXX credit on XXXX, XXXX XXXX XXXX, XXXX XXXX  on XXXX. 
All accounts were opened without my knowledge or authorization. At no point did I give permission for anyone to use my personal informationincluding my name, Social Security number, or any other identifying detailsto open or manage this account. 

Prior to this notice, I had no awareness of the existence of this account. I suspect that my personal information may have been compromised as a result of unauthorized access to my mailbox, which may have led to the misuse of sensitive documents. 

This letter constitutes my formal dispute of any debt or financial responsibility associated with the fraudulent account. I am not liable for any activity, charges, or transactions related to it. 

To assist with the investigation and resolution of this matter, I have included the following supporting documents : A copy of my drivers license A copy of my Social Security card Proof of my current address A copy of the police report Please process this dispute and take immediate action to investigate and remove any related entries from my records.

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 2025-07-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
Wells Fargo charged me account unnecessary account fees ( {$100.00} ) and they refuse to credit them to my savings account except for {$10.00}. I'm losing {$90.00} because of their action. Each representative I spoke with kept changing the amount they would refund. 

I am a XXXX XXXX and a recent widow and need the money to pay bills and for services for my deceased husband who was a veteran. 

There was no reason they could not notify me via email or phone call that they were continuing to charge me bank fees for 10 months. Instead they bury their fees in fine print pages long. 

I would like Wells Fargo to return the {$90.00} in bank charges. 

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 monetary relief
Consumer complaint received 2025-07-14 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:
Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 
Account Name : XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$13000.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: MI

Complaint narrative:
I am filing a complaint regarding multiple fraudulent student loan accounts on my credit report that I did not authorize or sign for. These accounts are being reported by Nelnet, a loan servicer that was part of a widely publicized data breach in XXXX. I believe I was affected by that breach and am now a victim of identity theft. 

Despite this, the accounts remain on my credit report. These loans do not belong to me, and no verification of them has been provided. 

I am requesting : - A complete investigation under the Fair Credit Reporting Act ( FCRA ) - Immediate removal of all unverifiable or fraudulent student loan accounts - A corrected credit report and written confirmation of the changes I have attached all necessary documentation to support my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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:
SUBJECT : FINAL REQUEST FOR MANUAL REINVESTIGATION, IDENTITY THEFT BLOCKING, AND HUMAN TRAFFICKING-RELATED REMOVALS UNDER FCRA 605B, 605C, 611, AND 607 REFERENCE FILE XXXX XXXX XXXX FTC IDENTITY THEFT REPORT ID : XXXX & XXXX POLICE REPORT XXXX XXXX XXXXXXXX XXXX CONFIRMATION LETTER : ISSUED XX/XX/XXXX SUMMARY OF ISSUE This complaint is being filed due to the failure of the credit reporting agencies to conduct a manual reinvestigation, block fraudulent data, and remove information related to verified labor trafficking and identity theft, in direct violation of the Fair Credit Reporting Act ( FCRA ). Despite multiple disputes and the submission of federal documentation, no corrective action has been taken. 

SUPPORTING DOCUMENTATION SUBMITTED : U.S. Department of Health & Human Services Letter of Confirmation of Status as a Victim of Labor XXXX Issued by : XXXX XXXX, XXXX Office on XXXX  in Persons ( OTIP ) Date Issued : XX/XX/XXXX Confirmed XXXX Period : XX/XX/XXXX XX/XX/XXXX Verifies individual is a victim of severe forms of trafficking in persons under the XXXX  Victims Protection Act ( TVPA ) FTC Identity Theft Reports : ID XXXX XXXX XXXX XXXX XXXX  Police Report XXXX XXXX XXXXXXXX Fraud-Related Losses : {$4600.00} from identity misuse and returned checks Security Freezes : Active on XXXX, XXXX, XXXX CONFIRMED FRAUD ALERTS ON FILE : Alert Type Date Status Change of Address XX/XX/XXXX Action Required Change of Address XX/XX/XXXX Action Required Change of Address XX/XX/XXXX Action Required Dark Web Exposure XX/XX/XXXX Multiple Alerts VIOLATIONS & CFPB REQUEST The credit reporting agencies have violated the following FCRA provisions : FCRA 605C Failure to suppress or remove items tied to human trafficking despite receipt of a valid confirmation letter from a federal agency ( HHS/OTIP ).

FCRA 605B Failure to block identity theft-related accounts following submission of identity theft and police reports.

FCRA 607 ( b ) Neglecting to maintain reasonable procedures to assure maximum possible accuracy.

FCRA 611 ( a ) Refusal to conduct a non-automated, manual reinvestigation as required.

FCRA 611 ( a ) ( 7 ) Failure to provide Method of Verification ( MOV ) upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: NY

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

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-07-14 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: SC

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached 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 2025-07-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX {$16000.00} Account was charged off by previous owner this company is continuing to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: GUARANTEED RATE INC.
State: FL

Complaint narrative:
I was repeatedly misdirected throughout the home-buying process by the mortgage lender. Despite my continued efforts to expedite the mortgage application, the lender took 55 days to issue a formal denial, well beyond the standard 30-day window. I have now been informed that, due to this delay, the seller will not be returning my {$19000.00} deposit. 

This outcome is completely egregious. I have been unfairly deprived of a substantial amount of money through no fault of my own, and I am now forced to delay my plans to purchase a home by at least another year. The lenders conduct has caused significant financial and emotional harm, and I am requesting that this matter be reviewed and addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: CA

Complaint narrative:
I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 


FRAUDULENT ACCOUNTS : UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> 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 2025-07-14 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:
I have not supplied proof under the doctrine of estopper by silence, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX 1 Presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation