vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-20 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: NC

Complaint narrative:
I am submitting to you because I recently reviewed my credit report and discovered multiple items that are inaccurate, incomplete, and unverifiable. These inaccuracies have caused me stress, confusion, and concern about my financial reputation, and they negatively impact my ability to access credit. I want to explain the full story of each item and why it must be thoroughly investigated and corrected under the Fair Credit Reporting Act ( FCRA ), including Sections 602A, 607 ( b ), 611, 623 ( a ) ( 1 ) ( A ), and 605 ( c ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I request that contact the original creditor to provide proper verification, including statements and documentation. If verification can not be provided, this account must be removed immediately to comply with FCRA 611 ( a ) ( 1 ) and to ensure that my credit report accurately reflects my financial responsibility. The cumulative effect of these inaccuracies has caused me significant stress, frustration, and difficulty in managing my financial life. I rely on my credit report to accurately reflect my financial history, and errors like these undermine my ability to obtain loans, rent housing, or access other financial services. Under the FCRA, I have the right to dispute any item that is inaccurate, incomplete, or unverifiable, and credit bureaus are required to investigate and correct such items within 30 days.

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 2025-11-20 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am submitting to you because I recently reviewed my credit report and discovered multiple items that are inaccurate, incomplete, and unverifiable. These inaccuracies have caused me stress, confusion, and concern about my financial reputation, and they negatively impact my ability to access credit. I want to explain the full story of each item and why it must be thoroughly investigated and corrected under the Fair Credit Reporting Act ( FCRA ), including Sections 602A, 607 ( b ), 611, 623 ( a ) ( 1 ) ( A ), and 605 ( c ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I request that contact the original creditor to provide proper verification, including statements and documentation. If verification can not be provided, this account must be removed immediately to comply with FCRA 611 ( a ) ( 1 ) and to ensure that my credit report accurately reflects my financial responsibility. The cumulative effect of these inaccuracies has caused me significant stress, frustration, and difficulty in managing my financial life. I rely on my credit report to accurately reflect my financial history, and errors like these undermine my ability to obtain loans, rent housing, or access other financial services. Under the FCRA, I have the right to dispute any item that is inaccurate, incomplete, or unverifiable, and credit bureaus are required to investigate and correct such items within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing a formal complaint regarding serious inaccuracies in the reporting of my SXXXX XXXX  account ( XXXX * ) on my credit reports across Experian, Equifax, and TransUnion. Experian reports a XXXX late payment for XX/XX/year>, with a Date of Last Activity of XX/XX/year>, while Equifax also lists the same late payment for XX/XX/year> with the same Date of Last Activity. However, TransUnion reports a XXXX late payment for XX/XX/year>, with a Date of Last Activity of XX/XX/year>. These conflicting entries create a false representation of my payment history, as the dates and late statuses can not all be accurate. Additionally, I have no record of late payments in either XX/XX/year> or XX/XX/year>. This inaccurate reporting violates the Fair Credit Reporting Act ( FCRA ), including 607 ( b ) ( requiring maximum possible accuracy ), 611 ( a ) ( requiring reinvestigation of disputed information ), and 623 ( a ) ( prohibiting furnishers from reporting knowingly inaccurate information ). These errors have negatively impacted my creditworthiness and could lead to contradictory information being presented to lenders.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: FL

Complaint narrative:
I am filing a formal complaint regarding serious inaccuracies in the reporting of my SXXXX XXXX  account ( XXXX * ) on my credit reports across Experian, Equifax, and TransUnion. Experian reports a XXXX late payment for XX/XX/year>, with a Date of Last Activity of XX/XX/year>, while Equifax also lists the same late payment for XX/XX/year> with the same Date of Last Activity. However, TransUnion reports a XXXX late payment for XX/XX/year>, with a Date of Last Activity of XX/XX/year>. These conflicting entries create a false representation of my payment history, as the dates and late statuses can not all be accurate. Additionally, I have no record of late payments in either XX/XX/year> or XX/XX/year>. This inaccurate reporting violates the Fair Credit Reporting Act ( FCRA ), including 607 ( b ) ( requiring maximum possible accuracy ), 611 ( a ) ( requiring reinvestigation of disputed information ), and 623 ( a ) ( prohibiting furnishers from reporting knowingly inaccurate information ). These errors have negatively impacted my creditworthiness and could lead to contradictory information being presented to lenders.

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 2025-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC
State: IA

Complaint narrative:
On XX/XX/year>, I deposited {$1900.00} into my XXXX  account. I attempted to withdraw funds on XX/XX/XXXX, but my XXXX  account began experiencing issues. I completed the required verification, but XXXX  later closed my account. My linked XXXX XXXX XXXX  account was closed, and I tried to link my XXXX XXXX  account to receive the withdrawal, but it was closed before the wire transfer could be completed. 

I have submitted multiple support requests, including Ticket # XXXX and Ticket # XXXX, and sent repeated emails asking for confirmation that my {$1600.00} refund was not sent to my closed accounts and instructions to securely update my new banking information. 

Despite these efforts, XXXX  has not responded, leaving me unable to access my funds. This lack of communication has caused significant stress and financial difficulty. I am requesting that XXXX  resolve the withdrawal and provide clear instructions for updating my banking information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: FL

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 2025-11-20 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: NJ

Complaint narrative:
Incorrect information on credit report What happened : I am filing this complaint because XXXXEquifax is reporting inaccurate balance information for my XXXX credit card account. 

The creditor incorrectly reported a {$35.00} balance from an annual fee, even though the account normally reports a {$0.00} balance every month. I paid the fee immediately upon discovery, yet XXXX/Equifax is continuing to show the old balance, causing a XXXX decline in my FICO score. 

This is not an actual revolving balance it is an annual fee that was paid before the statement period closed and it is being misreported as utilization. 

I have already disputed this with the bureau, but the response time is too slow and the incorrect information is still damaging my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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 submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings
State: CA

Complaint narrative:
IQ Data International reported a collection account to the credit bureaus without ever sending me an initial written notice as required by 15 U.S.C. 1692g ( a ). I never received any notice of this debt, no statement of the amount owed, no information about the original creditor, and no validation rights notice.

I formally requested debt validation and they failed to provide any documentation. Despite this, they verified the account with the credit bureau without supplying me the validation required by law.

I am requesting that IQ Data provide full validation or delete the account from all credit bureaus due to their failure to comply with FDCPA requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing a complaint because XXXX XXXX is reporting a collection account on my credit reports without providing the required validation under 15 USC 1692g of the FDCPA.

I requested verification/validation, but the collector never provided : The original signed agreement Proof of ownership or assignment Itemized accounting Method of verification Evidence they have authority to collect or furnish data Despite not providing validation, they continue reporting and updating this collection to ExperianXXXX XXXX XXXX XXXX. This violates : FDCPA 1692g ( b ) Continued collection activity without validation FDCPA 1692e False or misleading representations FDCPA 1692f Unfair practices FCRA 1681e ( b ) Duty to report accurate information FCRA 1681s-2 ( b ) Must verify or delete when disputed The balance reported is inconsistent and inaccurate. The collector also failed to provide the Date of First Delinquency ( DOFD ), and the information appears to be improperly updated.

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 2025-11-20 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: NV

Complaint narrative:
I am submitting this complaint because my consumer report is currently reporting multiple inaccurate, unverifiable and unauthorized item which violate the Fair Credit Reporting Act ( FCRA ) and have caused continuous harm, emotional distress, and financial damage. My consumer rights under FCRA Sections 602, 603, 604, 607, 609, 610, 611, and 623 have been violated because the reporting agencies and data furnishers have failed to maintain maximum possible accuracy, failed to provide proper verification, and have continued reporting information that does not belong to me, can not be verified, or was obtained without my authorization. I am requesting immediate investigation, deletion of this inaccurate information, and full compliance with federal law. 

XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> XXXX XXXX : {$280.00} Collection I have no knowledge of this account, no agreement, no contract, and no relationship with this company. Reporting a collection without proof of my liability violates FCRA 602, 607 ( b ), and 611 ( a ) because unverified derogatory information can not remain on a consumer report. This account must be deleted immediately for failure to verify with original documentation.

I am requesting immediate action to delete all inaccurate, unverifiable, and unauthorized account, from my consumer report and to ensure full compliance with the Fair Credit Reporting Act. All furnishers and reporting agencies must provide proper verification or remove the disputed information. The continued reporting of this harmful data has caused denial of credit opportunities, emotional distress, financial harm, and a violation of my federally protected consumer rights. I expect prompt resolution in accordance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: Mr. Cooper Group Inc.
State: WA

Complaint narrative:
I am a homeowner at XXXX XXXX XXXX XXXX, XXXX, WA XXXX, with a loan ( No. XXXX ) originated in XXXX and modified in XXXX through the XXXX program by Nationstar Mortgage LLC ( now Mr. Cooper ). Since then, my loan has been transferred multiple timesnow with XXXX XXXX XXXX XXXX acting as trustee/debt collector and XXXX XXXX as trustee for the trust holding my mortgage. 

On XX/XX/XXXX, I received a Notice of Default from XXXX XXXX XXXX XXXX. I dispute the accuracy of the alleged default, the validity of claimed arrears, and the legal authority of the parties involved to collect or foreclose. My loans assignment chain includes a XXXX Corporate Assignment of Deed of Trust executed by Nationstar/Mr. Cooper as Attorney-in-Fact for XXXX XXXX XXXXXXXX, with signatures/notarization consistent with patterns seen in nationwide robo-signing litigation. I have made formal written requests for complete debt validation, payment and escrow history, and proof of chain of title, but have received incomplete or unsatisfactory responses. 

I am concerned about : Inaccurate accounting and unexplained fees since my XXXX loan modification Potential robo-signed or unauthorized assignments and defective notary/capacity within the chain Actions by XXXX XXXX XXXXXXXX XXXX and Mr. Cooper proceeding toward foreclosure without resolving these disputes Failure to respond fully to my Qualified Written Request ( RESPA ), and failure to validate the debt/authority to foreclose ( FDCPA ) Practices inconsistent with prior federal consent orders and settlements regarding MERS and large servicers

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX XXXX # XXXX XX/XX/year> - {$10000.00XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$430.00} XXXX XXXX XXXX XXXX # XXXX XXXX {$240.00} XXXX & XXXX XXXX XXXX XXXX XXXX {$620.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am formally disputing the accuracy, completeness, and legal validity of the Charge-Off account currently appearing on my credit file. Upon review, I have determined that this account is being reported in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, as the information furnished is inaccurate, incomplete, and remains unverified.

Pursuant to FCRA 602 ( a ) and 611 ( 15 U.S.C. 1681i ), I am exercising my statutory right to dispute and demand the reinvestigation of any item of information that is inaccurate or can not be fully substantiated. To date, the furnisher has failed to provide competent evidentiary documentation validating the alleged debt, including but not limited to A signed contract bearing my signature ; Documentation establishing ownership of the debt ; Evidence of authorization or liability ; A complete and accurate accounting of the balance reported. 

In accordance with FCRA 609 ( a ) ( 1 ), I hereby request full disclosure of all information in your possession related to this account. Furthermore, under FCRA 623 ( a ) ( 1 ) ( A ), furnishers are explicitly prohibited from reporting information that they knowor should reasonably knowto be inaccurate or unverifiable. The continued reporting of such information constitutes negligent or willful noncompliance with federal law.

Because the creditor has failed to validate the alleged debt, the information is legally unverified. Therefore, I am demanding the immediate deletion of the Charge-Off account from my credit file as required by FCRA when an account can not be substantiated through proper documentation. 

Please complete the reinvestigation within the required statutory time frame and provide written confirmation of your findings and corrective action.

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 2025-11-20 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Under the Fair Credit Reporting Act, 15 USC 1681 ( a ), Congress states that consumer reporting agencies must operate with fairness, impartiality, and a respect for the consumers right to privacy. I am the consumer, and Equifax and Experian are consumer reporting agencies. I have the right to control how my personal information is shared.

15 USC 6801 makes it clear that financial institutions which includes furnishers of information have an affirmative duty to protect the privacy and confidentiality of my nonpublic personal information. Despite this, my information is still being furnished and reported without my authorization.

Under 15 USC 1681b ( a ) ( 2 ), a consumer report can only be furnished with my written instructions. I have never provided written consent, and I have revoked any implied or past consent. Therefore, any continued reporting is unauthorized.

Under 15 USC 6802 ( b ) ( c ), a financial institution may not disclose my nonpublic personal information to any non-affiliated third party unless I was first given a clear opt-out notice and an explanation of how to exercise nondisclosure. I was never provided this notice, meaning any disclosure is unlawful.

Further, 15 USC 1681c ( a ) ( 5 ) prohibits consumer reporting agencies from reporting adverse information beyond seven years except in very specific situations. The account being furnished is an adverse item and is being reported without permissible purpose or authorization.

Under 15 USC 1681s-2 ( a ) ( 1 ) ( A ), a furnisher shall not furnish any information relating to a consumer if they know or have reason to believe the information is inaccurate. Furnishing information after an opt-out, revocation, and privacy notice violates this requirement.

15 USC 1681e ( b ) requires consumer reporting agencies to maintain reasonable procedures to ensure compliance with 1681c and to limit furnishing only to permissible purposes listed in 1681b. Equifax and Experian have not done so, because they continue to report my information without my written consent.

Finally, 12 CFR 1016.7 ( Regulation P ) states that a consumer may exercise the right to opt out at any time. I exercised that right, and it was ignored. My information is still being shared even though federal law gives me the right to opt out permanently. 

I am requesting CFPB enforcement because my privacy rights have been violated, my opt-out has not been honored, and my information continues to be furnished and reported without lawful authority or permissible purpose.

Company response to consumer: Closed with explanation