vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-20 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: FL

Complaint narrative:
You are now in violation of the following : FCRA Violations : 15 U.S.C. 1681i : Failure to conduct a lawful reinvestigation within the required timeframe.

15 U.S.C. 1681s-2 : Willful reporting of information you KNOW to be false or unverifiable.

15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy of information furnished about me. information furnished about me.

FDCPA Violations : 15 U.S.C. 1692e : Use of deceptive and misleading reporting practices.

15 U.S.C. 1692f : Engaging in unfair and unconscionable collection activities through the continuation of false credit reporting.

UCC Violations : UCC 3-305 & 1-103 ( a ) : Reporting debts WITHOUT possession of verifiable, original contractual agreements constitutes constructive fraud.

Case Law Precedent Supporting My Claims : Cushman v. Trans Union Corp., 115 F.3d 220 ( 3rd Cir. 1997 ) : You are REQUIRED to conduct an independent and reasonable investigation not simply parrot creditor claims. 
XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. 
XXXX ) : Failure to DELETE inaccurate information after being properly notified is a direct violation of FCRA. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : Continuing to report inaccurate data following consumer dispute constitutes willful noncompliance, leaving you fully liable under law.

3 of 4 FINAL DEMAND NO EXCEPTIONS : I DEMAND the IMMEDIATE and PERMANENT DELETION of the above-referenced account ( s ) from my credit report.

I further DEMAND that you provide : 1.

2.

3.

A written statement of DELETION within XXXX business days from receipt of this letter. 
Copies of ALL original signed contracts for the above account ( s ) OR confirmation that such documents DO NOT EXIST.

Full disclosure of the exact method of verification used in your reinvestigation.

NOTICE OF IMMEDIATE LEGAL ACTION : Your failure to comply will result in the following, WITHOUT FURTHER NOTICE : I will pursue civil litigation seeking XXXX XXXXXXXX per violation under 15 U.S.C. 1681n and 15 U.S.C. 1681o, along with actual and punitive damages, and recovery of legal fees. 
Formal complaints will be filed IMMEDIATELY with the CFPB, FTC, and State Attorney General in your jurisdiction. 
I will escalate this matter to national media outlets and consumer watchdog organizations to expose your continued abuse of consumers.

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 2025-06-20 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:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your 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 2025-06-20 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: TN

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

1681c-2 ) that you, the XXXX  credit reporting agency, 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 Address : XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$720.00} XXXX/XXXX  - Account Number XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$450.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Fees charged
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Thank you for taking the time to read my email Mr Cooper new mortgage service taking advantage of millions mortgagor breaking rules & regulations of mortgages a federal laws a investigation must be conducted, I will tell you they charge customer reverse fee and unauthorized fees in my case I known them for previous experiences for unlawful mortgage practices in the pass it is not my first experience with them, never miss a payment never been late here is my situation my mortgage payment was pay on XXXX XXXX by autopay to the previous mortgage service that transferred to Mr Cooper meaning my next payment was not due until XXXX period Mr Cooper went ahead and charge again because I was in XXXX XXXX taking advantage of auto pay charging unauthorized payment in advance on XX/XX/XXXX, XXXX autopay was cancelled & stop payment was done through my bank for a unauthorized advance payment on XXXX XXXX XXXX for XXXX payment, Mr Cooper charge me reverse payment escrow charges of {$31.00} is illegal base on monthly mortgage payments laws & terms & conditions of auto pay for new a new mortgages services, Mr Cooper charge me {$31.00} dollars reverse fee must be credit back to my account within 3 business Mr Cooper wont do it, lastly as VA loan and veteran of this great nation, Mr Cooper mortgage should be investigated for breaking federal laws

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
In XX/XX/year>, I was pressured into signing up for a {$1000.00} program with a company called XXXX XXXX on the same day we spoke. I was told the full program cost {$5000.00}, but I was only asked to pay {$1000.00} upfront. At the time, I didnt fully understand what I was committing to, and I now realize I wasnt ready to take on that kind of investment. I didnt feel I had enough time or clarity to make an informed decision before being pushed to sign up. 

After I paid, the only access I was given was to their Discord server, but I had no idea where to find the actual training or how to get started. I messaged them asking for help, but I didnt get a clear response until the next day. During that time, I felt confused, unsupported, and panicked. 
( See attached screenshots : XXXX and XXXX ) Before the charge even posted to my account, I called American Express to ask if I could file a dispute I was told I could once the transaction posted. I then reached out to the merchant and explained directly that I wanted to step back and cancel. I emphasized that it wasnt personal, I just didnt feel ready to move forward and didnt want to waste anyones time. 
( See : XXXX ) They did not issue a refund when I asked to step back. Instead, they simply sent me their support email address without directly offering to resolve the situation. Later, they falsely claimed I had already submitted a dispute at that point which is not true. I only contacted Amex to ask about the process and had not filed anything yet. I reached out to the merchant first in good faith. 

After the charge posted and I still had not received meaningful value or clear onboarding, I filed a formal dispute with Amex. I have text message evidence of : Me asking how to access the course and being confused for hours Me expressing discomfort and clearly stating I wanted to cancel The merchant later sending threatening messages, accusing me of fraud, and referencing the remaining {$4000.00} I had not yet paid ( See : XXXX ) Although I was only charged {$1000.00}, the merchant referenced the full {$5000.00} total in their threats. After seeing the tone of their messages and feeling pressured and intimidated, I became extremely uncomfortable and asked Amex to block the merchant from charging me further. This was done only after their hostile communication and lack of support. 

Amex later reversed the credit in the merchants favor, but I was never allowed to submit this documentation or explain the situation. I was told the decision was final. 

I am requesting that American Express re-review this case now that I have the full documentation ready. I believe the original decision did not take into account all of the facts, and I acted in good faith throughout this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: NH

Complaint narrative:
Transunion credit report agency removed an account ( XXXX XXXX  ) that was not mine after XXXX  months of dispute. Then they turned around and reinserted it back to my credit report stating that it was my account. My attorney has been working on this issue for XXXX  months with no resolution.

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 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-06-20 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: TX

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: LA

Complaint narrative:
Account XXXX XXXX # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or i will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: NY

Complaint narrative:
I am formally disputing the inaccurate, unverifiable, and unauthorized information reporting on my credit file. Under my rights granted by the Fair Credit Reporting Act ( FCRA ), specifically Section 604 ( 15 U.S.C. 1681b ), you are required to ensure that all inquiries, accounts, and personal data are furnished only with proper authorization and permissible purpose.

I did not authorize the listed inquiries nor do I recognize the accounts being reported. I demand that you provide verifiable documentation, including my wet-ink or electronic signature authorizing these tra
nsactions. Failure to provide such proof constitutes a willful violation of FCRA and raises serious concerns about your compliance with Metro 2 data reporting standards, which mandate the accurate, complete, and fully substantiated reporting of consumer data. 

The following Personal Information is being challenged : Incorrect Name : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX Incorrect Current Address : XXXX XXXX Y, XXXX, NY XXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Incorrect Previous Address : XXXX XXXX XXXX, XXXX XXXX, NY XXXX Employer : XXXX XXXX Employer : XXXX XXXX  The following Accounts are being disputed : XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following Inquiries are being disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your failure to ensure complete, accurate, and verifiable reporting violates both the FCRA and Metro 2 compliance standards. You are legally obligated to validate all disputed information within 30 days. If you can not provide complete proof of authorization for each account and inquiry listed above, you must DELETE these items from my credit report immediately.

You are further notified that failure to comply will be documented as willful non-compliance and may result in legal action, regulatory complaints, and further escalation. 

Provide written confirmation of your investigation results and an updated copy of my credit report reflecting the deletion of all unverified data.

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 2025-06-20 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:
I am formally disputing the inaccurate, unverifiable, and unauthorized information reporting on my credit file. Under my rights granted by the Fair Credit Reporting Act ( FCRA ), specifically Section 604 ( 15 U.S.C. 1681b ), you are required to ensure that all inquiries, accounts, and personal data are furnished only with proper authorization and permissible purpose.

I did not authorize the listed inquiries nor do I recognize the accounts being reported. I demand that you provide verifiable documentation, including my wet-ink or electronic signature authorizing these tra
nsactions. Failure to provide such proof constitutes a willful violation of FCRA and raises serious concerns about your compliance with Metro 2 data reporting standards, which mandate the accurate, complete, and fully substantiated reporting of consumer data. 

The following Personal Information is being challenged : Incorrect Name : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX Incorrect Current Address : XXXX XXXX Y, XXXX, NY XXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Incorrect Previous Address : XXXX XXXX XXXX, XXXX XXXX, NY XXXX Employer : XXXX XXXX Employer : XXXX XXXX  The following Accounts are being disputed : XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following Inquiries are being disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your failure to ensure complete, accurate, and verifiable reporting violates both the FCRA and Metro 2 compliance standards. You are legally obligated to validate all disputed information within 30 days. If you can not provide complete proof of authorization for each account and inquiry listed above, you must DELETE these items from my credit report immediately.

You are further notified that failure to comply will be documented as willful non-compliance and may result in legal action, regulatory complaints, and further escalation. 

Provide written confirmation of your investigation results and an updated copy of my credit report reflecting the deletion of all unverified data.

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 2025-06-20 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:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your 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 explanation
Consumer complaint received 2025-06-20 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: IL

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ).

This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-06-20 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: FL

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-06-20 00:00:00
Product: Prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
These gift cards were purchased from my rewards program at XXXX XXXX American Express and my points were deducted to pay for them already. After several different attempts I was told they couldnt activate the cards without an account number!

Company response to consumer: Closed with non-monetary relief