vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-09 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: FL

Complaint narrative:
Irregularities Identified Contradictory Date Opened XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion : XX/XX/XXXX The same account can not have different opening dates. 

Inconsistent High Balance XXXX  : {$2600.00} Experian : {$0.00} TransUnion : {$2600.00} XXXX incorrectly reports {$0.00} as the high balance, which is impossible since they also report a balance due. 

Different Last Activity Dates XXXX XXXX XXXX XXXX XXXX XXXX TransUnion : XX/XX/XXXX The same tradeline can not have XXXX separate dates of last activity. 

Conflicting Past Due Reporting 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 TransUnion : XXXX across all categories This is a direct contradiction in delinquency status. 

Different Last Reported Dates XXXX XXXX XXXX XXXX XXXX XXXX TransUnion : XXXX  Multiple last reported dates for the same account prove data inconsistency. 

Conflicting Comments XXXX  : Charged off account closed by credit grantor. 

XXXX  : Unpaid balance reported as loss by credit grantor. 

TransUnion : Charged off as bad debt, account information disputed by consumer. 
XXXX different explanations for the same account status. 

Legal Violations Based on the inconsistencies above, the following legal violations apply : FCRA 1681e ( b ) : Failure to ensure maximum possible accuracy reporting different dates, balances, and statuses across bureaus.

FCRA 1681i ( a ) : Failure to conduct proper reinvestigation after disputes, since inaccurate and contradictory data persists. 

FCRA 611 ( a ) ( 5 ) ( B ) : Prohibition against reinsertion of deleted or modified accounts without certification and prior notice.

FCRA 623 ( a ) ( 1 ) ( A ) : Furnisher ( XXXX XXXX XXXXXXXX ) knowingly furnished false and conflicting information. 

FDCPA 807 : Misrepresentation of the character, amount, or legal status of the alleged debt.

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 2025-10-09 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: NC

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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

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 2025-10-09 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: MI

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I found incorrect details in my personal profile, including outdated or unfamiliar names, addresses, phone numbers, and employment history. Some of this information is not associated with me, and these inaccuracies could lead to misidentification or confusion with others. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately reflects my personal information. I am requesting a full investigation and prompt correction of these errors.

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 2025-10-09 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: FL

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

I demand the late payment reported to be updated.

This was clearly a billing error made my the company and is not a reflection of my payment experience.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

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 2025-10-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Revco Management, LLC
State: NY

Complaint narrative:
Experian I am formally disputing the account listed on my credit report under : Company : Revco Solutions Original Creditor : XXXX XXXX XXXX Account # : XXXX Reported Balance : {$3700.00} After reviewing my credit file, I found multiple factual inaccuracies and XXXX XXXX compliance violations, which render the reporting of this item both inaccurate and incomplete under the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX XXXX reporting standard. 
Violations Identified : Chronological Date Conflicts : The " Status Updated '' date ( XX/XX/XXXX ) predates the " Date Opened '' ( XX/XX/XXXX ), which is logically and factually impossible under XXXX XXXX structure. 
Inaccurate Payment History Reporting : You are incorrectly reporting monthly C collection codes from XXXX to XX/XX/XXXX. This practice is a form of re-aging and violates XXXX XXXX guidelines that prohibit continued monthly derogatory reporting on a collection account. 
Missing Required Fields : No Date of First Delinquency ( DOFD ) is reported, violating both XXXX XXXX Field 25 and FCRA 1681c ( a ) ( 4 ). Without this, the 7-year reporting timeline can not be validated. 
Improper Account Terms : The " Terms '' are shown as " 1 Month '' with no monthly payment, which misrepresents the nature of a collection account. 

Demand for Immediate Action : This account is being reported in violation of federal law and industry data standards. Therefore, I demand the following under the FCRA : Immediate deletion of the Revco Solutions account from my credit report OR Correction of all the above errors to reflect true, complete, and verifiable information in full Metro 2 compliance.

If this data can not be verified within the FCRA-mandated timeframe ( 30 days ), or if it remains non-compliant, it must be permanently deleted.

Please provide me with a revised copy of my credit report showing the results of this dispute. Failure to comply may result in further action with the Consumer Financial Protection Bureau ( CFPB ) and FTC. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 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: EQUIFAX, INC.
State: AR

Complaint narrative:
I am submitting this complaint because both Experian and TransUnion have failed to properly investigate, verify, or correct inaccurate and unverifiable information that remains on my credit reports. 
Despite my mailed dispute letters ( sent XX/XX/year> ) that fully complied with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), both agencies continue reporting false and incomplete items. 

This failure violates 15 U.S.C. 1681i, 1681e ( b ), and 1681s-2 ( b ), which require reasonable investigation and accuracy of reported information. 

Identity Theft Accounts XXXX XXXX Account # XXXX This account is not mine. I am a victim of identity theft and have already submitted an FTC Identity Theft Report as supporting evidence. This tradeline must be removed immediately from both Experian and TransUnion credit files. 

XXXX. Inaccurate Accounts XXXX XXXX XXXX XXXX Account # XXXX ( Experian )/ # XXXX ( TransUnion ) I requested validation from the creditor, but after more than 30 days, no proof of debt or signed consumer contract was provided. This account remains unverifiable and must be deleted. 

XXXX  XXXX Account # XXXX ( Experian ) No response or validation was ever received from the furnisher. This violates FCRA 609 ( a ) ( 1 ) ( A ) and FDCPA 807. The account must be deleted. 

XXXX. Paid Account Reporting Error XXXX  XXXX  / XXXX Account # XXXX ( Experian ) This account has always been paid as agreed and on time. Experians report inaccurately lists late or delinquent payment information. I am requesting this account be corrected to reflect Paid as Agreed / Never Late.

Statutory Violations Both Experian and TransUnion have violated : 15 U.S.C. 1681e ( b ) : Failure to follow reasonable procedures to assure maximum possible accuracy.

15 U.S.C. 1681i ( a ) : Failure to reinvestigate and correct inaccurate or unverifiable data.

15 U.S.C. 1681b : Reporting information without permissible purpose ( in identity theft instances ).

15 U.S.C. 1681c : Continued reporting of obsolete or incorrect information.

Their lack of proper investigation has negatively affected my credit score, financial opportunities, and access to housing and credit lines.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 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: AR

Complaint narrative:
I am submitting this complaint because both Experian and TransUnion have failed to properly investigate, verify, or correct inaccurate and unverifiable information that remains on my credit reports. 
Despite my mailed dispute letters ( sent XX/XX/year> ) that fully complied with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), both agencies continue reporting false and incomplete items. 

This failure violates 15 U.S.C. 1681i, 1681e ( b ), and 1681s-2 ( b ), which require reasonable investigation and accuracy of reported information. 

Identity Theft Accounts XXXX XXXX Account # XXXX This account is not mine. I am a victim of identity theft and have already submitted an FTC Identity Theft Report as supporting evidence. This tradeline must be removed immediately from both Experian and TransUnion credit files. 

XXXX. Inaccurate Accounts XXXX XXXX XXXX XXXX Account # XXXX ( Experian )/ # XXXX ( TransUnion ) I requested validation from the creditor, but after more than 30 days, no proof of debt or signed consumer contract was provided. This account remains unverifiable and must be deleted. 

XXXX  XXXX Account # XXXX ( Experian ) No response or validation was ever received from the furnisher. This violates FCRA 609 ( a ) ( 1 ) ( A ) and FDCPA 807. The account must be deleted. 

XXXX. Paid Account Reporting Error XXXX  XXXX  / XXXX Account # XXXX ( Experian ) This account has always been paid as agreed and on time. Experians report inaccurately lists late or delinquent payment information. I am requesting this account be corrected to reflect Paid as Agreed / Never Late.

Statutory Violations Both Experian and TransUnion have violated : 15 U.S.C. 1681e ( b ) : Failure to follow reasonable procedures to assure maximum possible accuracy.

15 U.S.C. 1681i ( a ) : Failure to reinvestigate and correct inaccurate or unverifiable data.

15 U.S.C. 1681b : Reporting information without permissible purpose ( in identity theft instances ).

15 U.S.C. 1681c : Continued reporting of obsolete or incorrect information.

Their lack of proper investigation has negatively affected my credit score, financial opportunities, and access to housing and credit lines.

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 2025-10-09 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: Ocwen Financial Corporation
State: MD

Complaint narrative:
b'Suspected Fraud in the XXXX XXXX XXXX Mortgage Assignment XXXX XXXX XXXX\n\nBackground of the AssignmentXXXX XXXX XXXX XXXX a Corporate Assignment of Deed of Trust was recorded in XXXX XXXX XXXX Maryland, involving several parties and entities: Mortgage Electronic Registration Systems, Inc. (MERS) acting as nominee for Fremont Investment & Loan, assigning the deed of trust to XXXX XXXX XXXX XXXXnCompany, as Trustee for XXXX XXXX XXXX with notice c/o Ocwen Loan\nServicing, LLC. This indicates that Ocwen Loan Servicing, LLC (the mortgage\nservicer) was involved in facilitating or recording the assignment on behalf of the\nsecuritization trust (XXXX XXXX XXXX Given XXXX XXXX XXXX XXXXcollapse or exit from the market around XXXX, and the trusts vintage XXXX the\ntiming and circumstances of this XXXX  assignment raise multiple red flags. Below, we examine the key issues. SEE ATTCHED FOR DETAIL'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: SC

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: IL

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-09 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-10-09 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: TX

Complaint narrative:
I am submitting this complaint to both the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) regarding an inaccurate eviction record that continues to appear on my credit reports with Equifax and TransUnion. 

The eviction case in questionCase No. XXXX, filed in the State of Tennesseewas dismissed without prejudice on XX/XX/year> with a one year expiration date to refile. I have attached a certified copy of the court judgment confirming this dismissal. Despite this, Equifax and TransUnion have failed to remove the record from my credit reports, even after I submitted disputes with supporting documentation. In contrast, XXXX has already removed the item following their investigation. 

This inaccurate reporting violates the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to maintain accurate and verifiable information. The continued presence of this dismissed eviction is causing harm to my credit profile and financial standing. 

Additionally, I previously submitted a related complaint to the appropriate authorities regarding the original reporting party, XXXX XXXX XXXX XXXX XXXX ( also known as XXXX XXXX XXXX, XXXX doing business as XXXX ). The complaint ID is XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 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: AR

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-10-09 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally disputing multiple accounts being reported under my name that I did not authorize, open, or manage. These accounts are not mine ; their presence on my credit report is inaccurate, misleading, and harmful to my financial record.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
despite using zelle numerous times and reporting discrepancies my financial institution and zelle failed to investigate claims adequately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

XXXXXXXX XXXX XXXX  XXXX XXXX XXXX - XXXX List of Unauthorized Inquiries : XXXX - XX/XX/year> XXXX - XX/XX/year> 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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