vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-09 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: NY

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE

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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I was recently traveling and, during that time, I lost my wallet and became a victim of identity theft. As a result, several fraudulent accounts and late payments appeared on my credit report. I did not authorize or open any of these accounts, they do not belong to me and are the result of fraud.

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 2025-07-09 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: WI

Complaint narrative:
I was recently traveling and, during that time, I lost my wallet and became a victim of identity theft. As a result, several fraudulent accounts and late payments appeared on my credit report. I did not authorize or open any of these accounts, they do not belong to me and are the result of fraud.

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 2025-07-09 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: OH

Complaint narrative:
FTC Credit Report Dispute & Identity Theft Affidavit FTC Identity Theft Report & Statement of Credit Dispute Submitted by : Full Name : XXXX XXXX XXXX XXXX. 
Current Address : XXXX XXXX XXXX, XXXX, OH Phone Number : ( XXXX ) XXXX Email : XXXX Date of Birth : XX/XX/XXXXXXXX  Last 4 of XXXX : XXXX Reason for Report : I am submitting this affidavit to formally notify credit bureaus and creditors that the following information on my consumer credit report is inaccurate, incomplete, and/or unverifiable, in violation of the Fair Credit Reporting Act ( FCRA ). This information is severely harming my credit profile and is not supported by verified or complete data from the original creditors. 

Summary of Disputed Information : The following accounts are either : Reported without my consent or proper authorization Charged-off but can not be validated with original signed contracts Reported inaccurately with incomplete or outdated balance and status information Hard inquiries that were not authorized by me or made without permissible purpose Accounts/Items in Dispute : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$24000.00} Charged-Off 2. XXXX XXXX ( 3 accounts ) Various balances Charged-Off or Closed w/ Delinquency 3. XXXX XXXX XXXX XXXX  ( XXXX accounts ) {$23000.00} and {$35000.00} Charged-Off 4. XXXX XXXX Open with Past Due 5. XXXX XXXX XXXX XXXX {$3800.00} Past Due 6. XXXX XXXX XXXX XXXX, {$390.00} XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX. XXXX XXXX {$250.00} XXXX XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) {$160.00} Past Due Hard Inquiries in Dispute : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were not authorized by me, and I request their removal under FCRA 1681b. 

Requested Actions : I demand the following : A full reinvestigation of each disputed account under FCRA 611 ( a ) Permanent deletion of any item that can not be fully verified using original documentation Written confirmation of reinvestigation results Contact details for each furnisher of disputed information Affirmation : I affirm that the information provided in this affidavit is true and accurate to the best of my knowledge. I understand that knowingly submitting false information could subject me to legal penalties. 
Signature : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Selene Holdings LLC
State: NC

Complaint narrative:
To Have Selene Finance Provide Promised Loan Modification For Loss Mitigation Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, NC XXXX Loan Number With Selene Finance : XXXX Social Security # : XXXX Phone : XXXX I have previously submitted packages to my mortgage servicer, Selene Finance XXXX on my mortgage number # XXXX and on XX/XX/XXXX I was told that my request for a Loan Modification, as a Loss Mitigation option, had been approved but paperwork to finalize the process was never sent to me. This was actually the second time that I was told that my file had been approved for a Loan Modification to bring my mortgage current and Selene Finance failed to send me any documents to finalize the process. They contend that they have no record of the XXXX tracking numbers to search for delivery, which sounds unreasonable to me. I appreciate anything that you can do on your end to assist in having HUD assist to reinstate my mortgage as there is a recorded mortgage foreclosure sale registered in XXXX XXXX dated XX/XX/XXXX with file XXXX XXXX XXXX XXXXXXXX for {$150000.00}. Please let me know if there is anything else that is needed to resolve this issue to have Selene Finance provide the Loan Modification to reinstate my mortgage as previously stated multiple times by Selene. I am a military veteran of the XXXX XXXX and do not want to be homeless. I repeatedly submitted all requested documentation to Selene Finance proving that I can afford to make my payments, but I have been a victim of their negligence in completing the process that they promised a Loan Modification. 
Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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 a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$4000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$110.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
On Friday, XX/XX/XXXX, I received a phone call from an individual claiming to be from Wells Fargo. This individual altered my password and transferred funds from my savings account ( XXXX ) to my checking account, which were subsequently transferred to a third party ( XXXX ). 
Upon contacting the bank, I was informed that the call was fraudulent. I promptly closed the affected account and filed a claim with Wells Fargo. However, the bank denied my claim, stating that the unauthorized transactions did not constitute fraud. Consequently, I opened a new account on Monday when the bank had availability. I would like to obtain my money back and have enhanced protection with this bank.

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 2025-07-09 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-07-09 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: VA

Complaint narrative:
I have been disputing a XXXX account on my credit reports for over four months, and despite providing a court-issued release form confirming that I am no longer liable for this account, it is still being inaccurately reported. I submitted this documentation multiple times, yet the credit bureaus claim they have not received my dispute, while simultaneously showing the account as verified on their websites. This contradiction clearly demonstrates a failure to conduct a reasonable investigation as required by the Fair Credit Reporting Act ( FCRA ). This has already been removed by transunion. 

I personally spoke with XXXX, and they confirmed that they no longer own or service the account, that my name is no longer attached, and that they have already updated their internal records accordingly. They stated theyve done their part, yet the credit bureaus are continuing to report this account, without justification or proper follow-up. 

Because of this false and unresolved reporting, I have been denied for a mortgage, which has left me and my family unable to secure stable housing. Additionally, I was denied for a vehicle loan, severely impacting my ability to get to work and provide for my family. These rejections are not just frustrating, they are causing real, ongoing financial and emotional harm to me and my loved ones. 

The credit reporting agencies are failing their legal duty to fairly and accurately report consumer data, and I am suffering the consequences. I am requesting : -The immediate removal of this inaccurate XXXX account from all credit reports ; -An investigation into the negligence of the credit bureaus involved ; -Accountability for the financial damages and emotional distress this has caused. 

I am prepared to provide all supporting documentation, including the court release form, dispute confirmations, communication with XXXX, and evidence of credit denials, upon request. 

This situation is unacceptable and needs urgent attention.

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 2025-07-09 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: PENNYMAC LOAN SERVICES, LLC.
State: VA

Complaint narrative:
I have been disputing a PennyMac account on my credit reports for over four months, and despite providing a court-issued release form confirming that I am no longer liable for this account, it is still being inaccurately reported. I submitted this documentation multiple times, yet the credit bureaus claim they have not received my dispute, while simultaneously showing the account as verified on their websites. This contradiction clearly demonstrates a failure to conduct a reasonable investigation as required by the Fair Credit Reporting Act ( FCRA ). This has already been removed by transunion. 

I personally spoke with PennyMac, and they confirmed that they no longer own or service the account, that my name is no longer attached, and that they have already updated their internal records accordingly. They stated theyve done their part, yet the credit bureaus are continuing to report this account, without justification or proper follow-up. 

Because of this false and unresolved reporting, I have been denied for a mortgage, which has left me and my family unable to secure stable housing. Additionally, I was denied for a vehicle loan, severely impacting my ability to get to work and provide for my family. These rejections are not just frustrating, they are causing real, ongoing financial and emotional harm to me and my loved ones. 

The credit reporting agencies are failing their legal duty to fairly and accurately report consumer data, and I am suffering the consequences. I am requesting : -The immediate removal of this inaccurate PennyMac account from all credit reports ; -An investigation into the negligence of the credit bureaus involved ; -Accountability for the financial damages and emotional distress this has caused.

I am prepared to provide all supporting documentation, including the court release form, dispute confirmations, communication with PennyMac, and evidence of credit denials, upon request.

This situation is unacceptable and needs urgent attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: MN

Complaint narrative:
I have previously disputed with Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or 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 are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-07-09 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: MN

Complaint narrative:
I have previously disputed with Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or 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 are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-07-09 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: LA

Complaint narrative:
XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute Request for Deletion of Unverified and Inaccurate Account Account Name : XXXX XXXX  Account # : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Reported Status : Charge-Off Balance Reported : {$860.00} To Whom It May Concern : I am formally disputing the above-referenced account as reported on my credit file. In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, I am requesting a full reinvestigation into the reporting and verification of this account. Specifically : 1. Account listed as derogatory after reported dispute ( FCRA 611, 1681s-2 ) 2. Reported with outdated last payment and charge-off status beyond verification period 3. Lack of full account substantiation ( 15 U.S. Code 1681i ) Demand for Immediate Action : I am requesting that this account be : - Deleted in its entirety from my credit profile across all reporting agencies unless complete verification can be provided ; - That the results of your investigation, along with the name and contact information of any party who verified the information, be returned to me within 30 days per FCRA guidelines ; - That you provide a copy of my updated credit report showing this change. 

Failure to comply may result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ) and my State Attorney General, and I will consider pursuing legal remedies under 15 U.S.C. 1681n and 1681o. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, LA XXXX XXXX : XX/XX/XXXX SSN : XXXX Report Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: LA

Complaint narrative:
XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute Request for Deletion of Unverified and Inaccurate Account Account Name : XXXX XXXX  Account # : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Reported Status : Charge-Off Balance Reported : {$860.00} To Whom It May Concern : I am formally disputing the above-referenced account as reported on my credit file. In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, I am requesting a full reinvestigation into the reporting and verification of this account. Specifically : 1. Account listed as derogatory after reported dispute ( FCRA 611, 1681s-2 ) 2. Reported with outdated last payment and charge-off status beyond verification period 3. Lack of full account substantiation ( 15 U.S. Code 1681i ) Demand for Immediate Action : I am requesting that this account be : - Deleted in its entirety from my credit profile across all reporting agencies unless complete verification can be provided ; - That the results of your investigation, along with the name and contact information of any party who verified the information, be returned to me within 30 days per FCRA guidelines ; - That you provide a copy of my updated credit report showing this change. 

Failure to comply may result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ) and my State Attorney General, and I will consider pursuing legal remedies under 15 U.S.C. 1681n and 1681o. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, LA XXXX XXXX : XX/XX/XXXX SSN : XXXX Report Date : 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 2025-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

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 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 2025-07-09 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: VA

Complaint narrative:
There are inaccuracies on my report that needs attention that was not fix during the investigation

Company response to consumer: Closed with non-monetary relief