vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-24 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: GA

Complaint narrative:
Dear TransUnion Dispute Department, Under my rights granted by the Fair Credit Reporting Act, I am disputing the accuracy, completeness, and legitimacy of several tradelines currently being reported on my credit file. These entries are unverifiable, duplicated, and contradictory, and must be immediately deleted or corrected. 
Accounts in Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCR
A 602 ( a ) Right to fair and accurate reporting.

FCRA 607 ( b ) Obligation to maintain maximum accuracy.

FCRA 611 ( a ) Duty to reinvestigate within 30 days.

FCRA 623 ( a ) ( 1 ) ( A ) Prohibition on knowingly furnishing false data.

FCRA 623 ( a ) ( 2 ) Duty to correct incomplete or inaccurate information.

FACTA 609 ( e ) Failure to validate or protect identity information.

GLBA 501 ( b ) Data-handling negligence and unauthorized disclosure.

FCRA 616617 Civil liability for non-compliance.

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 2025-10-24 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:
b'Make certain all challenged accounts are removed without delay, per legal standards.'

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 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDELENT ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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:
Since XX/XX/scrub> 2025, I have repeatedly disputed fraudulent and inaccurate accounts with TransUnion, Experian, and Equifax, submitting certified mailings on XX/XX/year>2025, XX/XX/year>2025, and XX/XX/scrub> 2025, plus portal resubmissions on XX/XX/XXXX and XX/XX/year>2025. Each included my FTC ID Theft ReportXX/XX/XXXXXXXX, Police Report XX/XX/XXXXXXXX, government ID, proof of address, and sworn affidavit. Despite this evidence, TransUnion, Experian, and Equifax failed to comply with 15 U.S.C. XXXX ( c ) ( XXXX ), XXXX ( a ) ( XXXX ) ( A ), XXXX ( a ) ( XXXX ) ( B ), and XXXX ( b ), repeatedly closing disputes as verified without proof or investigation results. 

XXXX Accounts to be permanently deleted : Dept. of Education / XX/XX/XXXX( acct prefix XXXX ) : multiple sub-loans originating XXXX ( {$5300.00} / {$3900.00} / {$1000.00} / {$1500.00} / {$7400.00} ). These are XXXX years old, violating XXXX ( a ) ( XXXX ) ( XXXX ) ( XXXX limit ). They have been re-aged and show false payment histories, though NO payments were ever made BUT the furnisher indicates that payments were made. No proof of payment, No original promissory note or chain-of-title was provided, violating XXXX XXXX. XXXX and XXXX C.F.R. XXXX ( b ) ( XXXX ) ( XXXX ). 
XXXX XXXX ( card ending XXXX ) : repeatedly verified without documentary proof. XXXX provided only statements and an IP address tracing to XXXX state Ive never lived or transacted inconfirming fraud. No signed agreement, authorization, or validation exists. 

XXXX Transunion, Experian, Equifax have ignored its duty to block fraudulent data within XXXX days ( XXXX ( c ) ( XXXX ) ) and to notify me of any reinsertion within XXXX days ( XXXX ( a ) ( XXXX ) ( B ) ). These failures constitute willful non-compliance under XXXX. I request immediate deletion and permanent suppression of all listed accounts, written confirmation of compliance, and CFPB enforcement review for repeated FCRA violations.

I request CFPB enforcement review and referral for systemic non-compliance with the 2025 CFPB enforcement order against Experian for sham investigations, as this conduct mirrors those findings.

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 2025-10-24 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:
Since XX/XX/scrub> 2025, I have repeatedly disputed fraudulent and inaccurate accounts with TransUnion, Experian, and Equifax, submitting certified mailings on XX/XX/year>2025, XX/XX/year>2025, and XX/XX/scrub> 2025, plus portal resubmissions on XX/XX/XXXX and XX/XX/year>2025. Each included my FTC ID Theft ReportXX/XX/XXXXXXXX, Police Report XX/XX/XXXXXXXX, government ID, proof of address, and sworn affidavit. Despite this evidence, TransUnion, Experian, and Equifax failed to comply with 15 U.S.C. XXXX ( c ) ( XXXX ), XXXX ( a ) ( XXXX ) ( A ), XXXX ( a ) ( XXXX ) ( B ), and XXXX ( b ), repeatedly closing disputes as verified without proof or investigation results. 

XXXX Accounts to be permanently deleted : Dept. of Education / XX/XX/XXXX( acct prefix XXXX ) : multiple sub-loans originating XXXX ( {$5300.00} / {$3900.00} / {$1000.00} / {$1500.00} / {$7400.00} ). These are XXXX years old, violating XXXX ( a ) ( XXXX ) ( XXXX ) ( XXXX limit ). They have been re-aged and show false payment histories, though NO payments were ever made BUT the furnisher indicates that payments were made. No proof of payment, No original promissory note or chain-of-title was provided, violating XXXX XXXX. XXXX and XXXX C.F.R. XXXX ( b ) ( XXXX ) ( XXXX ). 
XXXX XXXX ( card ending XXXX ) : repeatedly verified without documentary proof. XXXX provided only statements and an IP address tracing to XXXX state Ive never lived or transacted inconfirming fraud. No signed agreement, authorization, or validation exists. 

XXXX Transunion, Experian, Equifax have ignored its duty to block fraudulent data within XXXX days ( XXXX ( c ) ( XXXX ) ) and to notify me of any reinsertion within XXXX days ( XXXX ( a ) ( XXXX ) ( B ) ). These failures constitute willful non-compliance under XXXX. I request immediate deletion and permanent suppression of all listed accounts, written confirmation of compliance, and CFPB enforcement review for repeated FCRA violations.

I request CFPB enforcement review and referral for systemic non-compliance with the 2025 CFPB enforcement order against Experian for sham investigations, as this conduct mirrors those findings.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: TD BANK US HOLDING COMPANY
State: OH

Complaint narrative:
I am filing this complaint regarding a Target Circle Credit Card account serviced by TD Bank USA, N.A. ( Target Card Services ).

I have submitted three separate validation requests for this account one through Experian and two through prior CFPB complaints but the company has never provided proper validation of the alleged debt. Despite repeated requests, I have not received : A copy of the original signed agreement establishing the account An itemized statement showing how the balance was calculated Proof that TD Bank or its agents have the legal right to collect or report this account Instead, I received a summary response letter restating credit bureau information without providing documentation. The company continues to report this unverified account to XXXX XXXX XXXX XXXX negatively affecting my credit. 

I also made one or two payments to XXXX XXXX XXXX, believing they were collecting on behalf of TD Bank, but I was never given proof of how those payments were applied or documentation showing the relationship between XXXX XXXX and TD Bank. 

Continuing to report and collect on an unvalidated debt violates 15 U.S.C. 1692g ( b ) ( FDCPA ) and 15 U.S.C. 1681s-2 ( a ) ( FCRA ).

I am requesting that the CFPB require TD Bank USA, N.A. / Target Card Services to provide full validation of this debt and remove this unverified account from all credit bureaus. I am also requesting documentation showing how any payments made to XXXX XXXX were applied. 

Supporting documentation, including my Final Noncompliance and Demand for Deletion letter, is attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SOUTHSTATE BANK CORPORATION
State: GA

Complaint narrative:
South State is not consumer friendly. I have my statements set up for estatements. The notice for the escrow update comes through on the same date and has the same subject line and info as the regular monthly statement. Unless you open up the document you dont know its a different document so I wasnt aware of the significant mortgage increase. Im in the app often but unless you click on other options it doesnt show the payment amount. I have auto payment set up so it processed for a portion of the new amount. I wasnt aware of any issue until I received a phone call on XX/XX/year> about the mortgage payment being late, which is very weird. I should receive an email, app notification or something more secure. Not a random phone call. I told her I would pay the difference but I requested the late fee be waived. She said she couldnt do that she could only take a payment. Why would I give someone making an outbound call my payment info?? I disconnected the call and tried to chat, but they had to send me to the loan department which would take a few days for a response. I sent a secure message as well and received a similar response. They should make it easier for consumers to communicate with someone from the loan department if regular customer service can not assist. I made a payment with the remaining amount in my checking account, but when I went to make the remainder of the late payment I only had the option to transfer from my checking. No option to make a one time payment. I finally received a phone call today and was told they couldnt waive the late fee until the past due amount was paid. I advised of my attempt to pay the rest with a different account. She said you have to go through the website to make a payment with another account. I told her I would make the payment on the phone but she said its still had to go through overnight processing so I would have to call in to get the late fee waived. I made the payment but again this process is very difficult and having to contact different times to get the payment waived is ridiculous.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-24 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I received a negative notification from XXXX  credit reporting on a Wells Fargo Auto account for a XXXX I previously volunteered repossessed with them. It's been four years, approximately XXXX. After the notification, I called and spoke to a representative on XXXX about the report on my credit report. I spoke to a representative and was informed that the car was sold, and it left a balance of over XXXX that the company decided to charge off without any notification to me. I asked why I wasn't contacted and was told that my business was done with them, I owed them no money and it has been closed. I received no communication about this account, I was never informed the car was sold back in XXXX  and never got a chance to resolve the matter, so it shouldn't have been put on my credit report. 

In accordance with the fair credit reporting act, Wells Fargo Auto has violated my rights. 
15 U.S.C 1681 section 602A states I have the right to privacy 15 U.S.C 1681, 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Delete or Remove the 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 2025-10-24 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

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 2025-10-24 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: MS

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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: TX

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

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 2025-10-24 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: TX

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

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 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXXXXXX -Date Opened XX/XX/XXXX -Balance {$590.00} XXXXXXXX XXXX XXXX XXXXXXXX -Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX -Date Opened XX/XX/XXXX -Balance {$240.00} XXXX XXXX XXXXXXXX -Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX -Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX -Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX -Date Opened XX/XX/XXXX -Balance {$14000.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/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 2025-10-24 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: NJ

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Had a credit card with chase, that I was told the points never expire on. 

Didn't use the account for a while. Chase closed the account and took the points. 

Was never notified they were going to close the account, even though I have several other accounts with them, and never received notification through their app.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: FL

Complaint narrative:
PLEASE BLOCKED AND REMOVED.

I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2025-10-24 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: PNC Bank N.A.
State: SC

Complaint narrative:
Received a contract for a modified agreement, returned it and the PNC stated that because is was later the agreement was no longer any good. They stated that we had missing the last payment. When we received the agreement, we believed that everything was in order. It wasn't until we attempted to make a payment the the agreement was no longer being offered and the were going to foreclosure. 

We signed the documents in good faith

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: FL

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-10-24 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: FL

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-10-24 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: NY

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief