vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-05 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: NJ

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-09-05 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: FL

Complaint narrative:
I dispute information on my credit file that is inaccurate, misleading, outdated, or incomplete. Please conduct a reasonable reinvestigation as required by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C.

1681e ( b ) and 1681i, and delete or correct the items listed below within 30 days. If you maintain any item, provide the method of verification and the name, address, and phone number of each furnisher you contacted, per 1681i ( a ) ( 6 ) ( B ) ( iii ).

A. Accounts with inaccurate/misleading derogatory coding 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Status shown : Experian displays Current, was past due 30 days. 
Why inaccurate/misleading : My recent payment history reflects no late payments. Residual was late 30 coding without a verified, reportable delinquency is misleading under FCRA 1681e ( b ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If a late exists, furnish the exact DOFD and supporting records proving reportability und

er 1681c ( a ) ( 5 ) ; otherwise remove all derogatory/late remarks across all bureaus.

Requested remedy : Update to Pays as agreed / Current and remove any late/derogatory notation. 
2 ) XXXX XXXX XXXX XXXX XXXX ( student loan transfers ) Accounts # ( mask ) : XXXX ( XXXX  ; two entries ). XXXX reflects Indeterminate/Account closed due to transfer. 
Why inaccurate/incomplete : Indeterminate is not a Metro 2 compliant performance status and is ambiguous, violating 1681e ( b ).

Requested remedy : Normalize to Closed/TransferredPaid as agreed. If the furnisher can not supply complete transfer documentation and payment history, delete the tradeline ( s ). 
Treat this as a global dispute of any other derogatory code lacking complete, verifiable records ( contract, statements, ledger, DOFD ). Delete anything unverifiable per 1681i ( a ) ( 5 ) ( A ).

B. Hard inquiries lacking permissible purpose/ not tied to an open account No disputed hard inquiries for this bureau based on the enclosed report. If you list any hard inquiry lacking written authorization under 15 U.S.C. 1681b, delete it or provide authorization 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 explanation
Consumer complaint received 2025-09-05 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: OH

Complaint narrative:
Purchased my home in XX/XX/XXXX. Mortgage was with XXXX XXXX XXXX 

XXXX XXXX bank then became XXXXXXXX XXXX sometime after. 

In XXXX husband lost his job during COVID. XXXX XXXX reached out to offer a COVID forbearance which outlined that payments could be missed or late during forbearance and added at the end of my loan. Had no issues with being reported late to credit bureaus, etc. during that time. 

XX/XX/XXXX- sold my home XXXX XXXX  at some point was sold to XXXX. 

XX/XX/XXXX- XXXXXXXX XXXX  showing on my credit report as 30 days past due to all credit bureaus for XX/XX/XXXX. I opened a dispute with all 3 credit reporting agencies and XX/XX/XXXX was removed on some but other " late '' payments ( which were not previously reported as late ) suddenly showed up, during the time of my COVID forbearance.

Contacted all 3 credit bureaus to dispute incorrect information. 

Contacted XXXX branch near where my house was, they were unable to find any account information. Suggested I stop in a branch local to me. Local branch was unable to find my account or any information. Suggested I call XXXX corporate. 

Called XXXX corporate, they were unable to find any of my account or payment information. 

XX/XX/XXXX - began calling credit reporting agencies and they suggested I contact CFPB.

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 2025-09-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am disputing fraudulent accounts appearing on my credit file. These accounts do not belong to me and were never authorized, and their reporting is both false and damaging. Their presence undermines the accuracy and integrity of my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$0.00}

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 explanation
Consumer complaint received 2025-09-05 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: CBC Companies, Inc.
State: AL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 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: CO

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

1681c2 ) that you, the XXXX credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I REACHED OUT TO YOU BEFORE, AND YOU CLOSED MY CASE WHEN THERE WAS NO RESOLUTION, CITIZENS BANK JUST IGNORED ME AND IS STIL IGNORING ME...... My father passed in XXXX, for his estate I opened a checking account. Money was stolen from this account 5 times. Someone that works at the bank must have given someone the account number, knowing an estate accounts sometimes sit for years while things are settled. Someone opened a XXXX  account and stole money 4 times. The person who opened the account is in XXXX. which is about XXXX mins from where I bank. XX/XX/XXXX.... {$190.00} XX/XX/XXXX.... {$140.00} XX/XX/XXXX... XXXX ( resolved ) XX/XX/XXXX.... {$130.00} ( resolved ) I called and reported the FRAUD and they investigated, said it was fraud but only returned {$150.00} and the {$130.00}. I called back and asked why they didn't return the other 2 amounts, and they said they were valid!! I asked them how a deceased person could open a phone account, and they agreed that it also was fraud, but after several MORE calls they still have not returned my money. After all of that, on XX/XX/XXXX they let someone else from a University steal another {$270.00} from my account. The representative on the phone today admitted that no one followed up on the previous claims. Here are the claim numbers that are currently unresolved.... XXXX for {$270.00} XXXX for {$140.00} XXXX for {$190.00} I believe that they are just hoping I go away by ignoring my requests, that will not happen, I want the money back. I was also told that because it is under {$1000.00} they probable won't do anything about it as far as prosecuting the person ( s ), but in the initial response to my requests, there are threatening statements made to me in their letter about misrepresenting transactions and fines of XXXX, or 30 years in prison.... unbelievable! Why don't they prosecute the person ( s ) stealing from my account instead of threatening me. Why don't they find out who gave my account number to the thieves????

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce 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 2025-09-05 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: NY

Complaint narrative:
This is not a mistake or a casual concern. My credit report contains clear inaccuracies that must be addressed. These errors are not only misleading but also prevent my report from reflecting the maximum possible accuracy required under the law. The ongoing presence of this erroneous information has caused me significant distress and continues to negatively impact me in ways that can not be overstated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I was scammed into wire transfer of my checking account I called fraud department to stop it same day called local police credit bureaus federal trade and XXXX all took my information now my bank has told me they have exhausted all resources I believe the effort is not enough to recover my funds as I gave them an account that was in a country outside of XXXX where this transfer was moved to after mine so I tried everything to stop this on the same day it happened for more info you can email

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 2025-09-05 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: EQUIFAX, INC.
State: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 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: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

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 2025-09-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: WA

Complaint narrative:
When my loan was acquired by Newrez on XX/XX/XXXX the {$2000.00} dollar payment I'd made to the original loan provider on XX/XX/XXXX was not carried over. I reached out to Newrez multiple times beginning in XXXX. I eventually filed a CFPB complaint, XXXX on XX/XX/year>. Newrez responded to me on XX/XX/XXXX that they received this payment on XX/XX/XXXX, but returned it to my original loan provider because they didn't know which account to apply it to, but that they received a replacement check and posted that to my account on XXXX XXXXWhen I checked my account online, I confirmed my account had been adjusted to reflect the {$2000.00} payment. 
However, a {$2000.00} Prior Servicer Fee had been added to my account in XXXX. 
I tried using the online chat feature to resolve the issue but was told that the issue needed to be submitted using the Contact Us online portal. I am still waiting on a reply. I also set a letter via XXXX addressing this issue. This letter also requests cancellation of my escrow account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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:
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 2025-09-05 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: TX

Complaint narrative:
This complaint is not submitted in error. My credit report contains inaccurate information that fails to meet the FCRAs standard of maximum possible accuracy ( 15 U.S.C. 1681e ( b ) ) and is causing significant, ongoing harm to my finances and well-being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 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: CBC Companies, Inc.
State: TX

Complaint narrative:
I have previously disputed with XXXX XXXX XXXX XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

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