vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-04 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: NC

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-08-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: CrossCountry Mortgage LLC
State: OH

Complaint narrative:
I only get letters stating the credit bureaus will give you an answers. The credit bureaus ( XXXX, XXXX  and XXXX  ) when I call them or get info say They can not correct or change things of across XXXX Mortgage doesnt fix the errors, even if they tell us they corrected the errors they havent in there system. I have been given this run around since XX/XX/year>. I was told on the phone by multiple staff members The errors were corrected for the late payments and you should see them off your account within 30 days but it never happens. I spoke with two Supervisors XXXX XXXX XXXX XXXX XXXX who stated this issue should have been corrected by now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: PA

Complaint narrative:
There are collection accounts listed on my report that I believe contain incorrect information. Under 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I am requesting a review of these entries, and if they can not be verified as accurate, they should 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 explanation
Consumer complaint received 2025-08-04 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: FL

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: NC

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 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX  Date : XX/XX/XXXX XXXX  XXXX 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 explanation
Consumer complaint received 2025-08-04 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: LA

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
These accounts were open without my consent or XXXX XXXX XXXX XXXX OPENED XXXX XXXX collection XXXX XXXX XXXX OPENED XX/XX/year> Collection

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 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diverse Funding Associates LLC
State: FL

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

Company 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 2025-08-04 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:
Since XX/XX/XXXX, Ive disputed multiple inaccurate, unverifiable, and incomplete accounts with all three credit bureaus ( Equifax, Experian, TransUnion ), and with the furnishers themselves. Despite my repeated attempts under my rights as a consumer, these accounts remain on my reports with serious errors, lack of verification, and reporting inconsistencies across bureaus in violation of federal law. 

Accounts in Dispute : XXXX XXXX XXXX XXXXXXXX Charge-off {$6600.00} XXXX # XXXX Charge-off {$2600.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( reported inaccurately ) XXXX XXXX XXXX XXXX {$8900.00} XXXX XXXX XXXX Collection {$1700.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$160.00} XXXX  XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Charge-off {$20000.00} XXXX XXXX XXXXXXXX Charge-off {$0.00} Truist/GreenSky # XXXX Charge-off {$2000.00} Under FCRA 15 U.S.C. 1681i ( a ), bureaus must complete a reinvestigation within 30 days of notice unless extended. These accounts remain reporting inaccurately after 120+ days of disputes. Furnishers also failed to validate per 15 U.S.C. 1681s-2 ( b ) and did not meet their duty of accuracy under 1681e ( b ). Several of these furnishers also never provided legally required Form 1099-C while reporting profit and loss write-offs or settled statuses, violating IRS and Metro 2 compliance ( Field 17 and Base Segment rules ). 

Additionally, many accounts ( including XXXX and XXXX XXXX ) show charge-offs and balances inconsistent with closure dates, and fail to reflect proper dispute codes ( XB or XR required by Metro 2 ). These inaccuracies affect lending decisions and are causing ongoing harm. 

I request immediate deletion of these accounts due to : Failure to provide proper debt validation ( FDCPA 15 U.S.C. 1692g ) Failure to verify disputed data within the legal timeframe ( FCRA 1681i ) Reporting inconsistent or incomplete data across CRAs ( FCRA 1681e ( b ) ) Omission of legally required documentation ( e.g., 1099-C, validation letters ) Metro 2 non-compliance in status coding, payment history, and dispute notation Relevant Case Law Supporting Deletion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Furnishers must do more than a cursory review. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reaffirmed reinvestigation duty under XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. XXXX Held that inaccurate dispute response is grounds for liability. 

I have asked for verification repeatedly but have never received documentation to substantiate these accounts or explain why they report differently between bureaus.

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 2025-08-04 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: MA

Complaint narrative:
Since XX/XX/XXXX, Ive disputed multiple inaccurate, unverifiable, and incomplete accounts with all three credit bureaus ( Equifax, Experian, TransUnion ), and with the furnishers themselves. Despite my repeated attempts under my rights as a consumer, these accounts remain on my reports with serious errors, lack of verification, and reporting inconsistencies across bureaus in violation of federal law. 

Accounts in Dispute : XXXX XXXX XXXX XXXXXXXX Charge-off {$6600.00} XXXX # XXXX Charge-off {$2600.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( reported inaccurately ) XXXX XXXX XXXX XXXX {$8900.00} XXXX XXXX XXXX Collection {$1700.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$160.00} XXXX  XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Charge-off {$20000.00} XXXX XXXX XXXXXXXX Charge-off {$0.00} Truist/GreenSky # XXXX Charge-off {$2000.00} Under FCRA 15 U.S.C. 1681i ( a ), bureaus must complete a reinvestigation within 30 days of notice unless extended. These accounts remain reporting inaccurately after 120+ days of disputes. Furnishers also failed to validate per 15 U.S.C. 1681s-2 ( b ) and did not meet their duty of accuracy under 1681e ( b ). Several of these furnishers also never provided legally required Form 1099-C while reporting profit and loss write-offs or settled statuses, violating IRS and Metro 2 compliance ( Field 17 and Base Segment rules ). 

Additionally, many accounts ( including XXXX and XXXX XXXX ) show charge-offs and balances inconsistent with closure dates, and fail to reflect proper dispute codes ( XB or XR required by Metro 2 ). These inaccuracies affect lending decisions and are causing ongoing harm. 

I request immediate deletion of these accounts due to : Failure to provide proper debt validation ( FDCPA 15 U.S.C. 1692g ) Failure to verify disputed data within the legal timeframe ( FCRA 1681i ) Reporting inconsistent or incomplete data across CRAs ( FCRA 1681e ( b ) ) Omission of legally required documentation ( e.g., 1099-C, validation letters ) Metro 2 non-compliance in status coding, payment history, and dispute notation Relevant Case Law Supporting Deletion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Furnishers must do more than a cursory review. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reaffirmed reinvestigation duty under XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. XXXX Held that inaccurate dispute response is grounds for liability. 

I have asked for verification repeatedly but have never received documentation to substantiate these accounts or explain why they report differently between bureaus.

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 2025-08-04 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: FL

Complaint narrative:
I am formally disputing the inaccurate reporting of multiple late payments by Equifax on my credit report. According to their records, several payments are listed as late ; however, these payments were made on time and should not be reflected as delinquencies.

This inaccurate reporting is unjustly damaging my credit score and misrepresenting my payment history.

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 2025-08-04 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: AZ

Complaint narrative:
Ive recently discovered several late payment notations on my credit report that are completely false, and I want to make it clear that I will not tolerate these inaccuracies being used to misjudge my financial character. These harmful entries are dragging down my credit score, affecting my access to opportunities, and putting unnecessary strain on my mental and emotional health. Some of these alleged late payments were in fact made on time, while others may stem from clerical mistakes or internal processing delays that were never communicated to me. The Fair Credit Reporting Act requires that every piece of data on a consumer report be factually accurate and verifiable by original documentation. That means if these late payment entries can not be backed up with real, dated billing statements or signed agreements, they should not be reported at all. I am demanding that these entries be immediately corrected or removed, depending on what the documentation proves. If the credit reporting agencies or furnishers continue to ignore this matter, I will interpret that as a willful and deliberate violation of federal lawand respond accordingly. I deserve better, and I will fight until this is made right.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Entries for late payments appear on my report that I believe are inaccurate. Under 15 USC 1681e ( b ) and 15 USC 1681i, my report is required to contain only information that is accurate, complete, and verifiable. I am requesting that these late payment entries be verified, and if they can not be confirmed, that they be corrected or 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 explanation
Consumer complaint received 2025-08-04 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: NC

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-08-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CA

Complaint narrative:
I called the toll free number for my loan servicer MOHELA ( XXXX ) to inquire about deferment because I became unemployed recently and am having trouble with my loan repayment. I was on the phone on hold for XXXX hours and XXXX minutes with no one to talk to or no way for a call back option. The estimated wait time was supposed to be XXXX minutes. 

Im very discontent with their customer service, especially during a stressful and vulnerable time in my life. Times like these should be prioritized but instead Im being ignored.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-04 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: CA

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

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