vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance 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 explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Freedom Mortgage Company
State: NC

Complaint narrative:
Debt Validation Letter XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX To : JG Wentworth Home Lending or XXXX XXXX XXXX [ Insert Address of creditor or collector required to send ] Subject : Formal Demand for Debt Validation and Immediate Removal from Credit Report Account Number : XXXX To Whom It May Concern, I am writing to you under the authority of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g ( b ) and Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i ( a ). This letter serves as a formal and lawful demand that you validate the alleged debt account listed above, which is jointly reported with XXXX XXXX XXXX, and currently appearing on my credit report. 

The alleged account has the following details : Account Name : JG WENTWORTH HOME LENDIN Account Number : XXXX Account Type : FHA Mortgage Responsibility : Joint with XXXX XXXX XXXX Date Opened : XX/XX/XXXX Status : Transferred, Closed Status Updated : XX/XX/XXXX Original Balance : {$240000.00} Terms : XXXX Years As of today, you have failed to provide full validation of this debt, including all of the following required items under federal law : A copy of the original signed contract bearing my signature ; A full payment history showing how the alleged debt amount was calculated ; Chain of title complete documentation showing your legal right to collect this debt ; The name and address of the original creditor ; Verification that this account is being reported accurately to all credit reporting agencies ; The date of last activity, showing it complies with FCRAs XXXXyear reporting limit. 

Until and unless you provide complete and verifiable documentation, you must immediately delete and cease reporting this account to all credit reporting agencies ( XXXX XXXX XXXX XXXX  ), or you will be in direct violation of both the FDCPA and FCRA. 

Failure to comply within XXXX calendar days from receipt of this letter will result in the following actions : I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the North Carolina Attorney Generals Office. 

I will pursue a civil lawsuit for defamation, willful noncompliance, and damages under 15 U.S. Code 1681n and 1692k, which carry penalties of up to {$1000.00} per violation plus punitive damages and attorneys fees. 

I demand all correspondence be in writing only. You are not authorized to contact me by phone or through any third party. 

Sincerely, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX

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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
My credit report is still being reported as delinquent from my student loans. I am in school and have been since the time they started reporting it delinquent. I called XXXX and they identified the discrepancy and corrected it. They changed all of my loans to good standing. My credit score shot up and then it went back down again. The loans are back in bad standing. XXXX nor XXXX is reporting my loans as in bad standing. What is happening??

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 2025-08-05 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: IL

Complaint narrative:
I am writing to formally dispute the late payment entries currently listed on my credit report. I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies remain unresolved. 
This prolonged issue has caused ongoing financial strain and has negatively affected both my credit standing and overall well-being. The process of addressing these errors has been not only frustrating but also mentally and emotionally exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to a credit report that accurately reflects my financial history. This includes the timely correction or removal of outdated, incorrect, or unverifiable information. I am therefore urging your office to take immediate and appropriate action to update or delete the reported late payment entries in question.

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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I am submitting this report due to inaccuracies on my credit report stemming from a system error, as confirmed by Equifax, which resulted in my personal information being leaked and used improperly. Ive been denied credit because of this issue, and I request immediate correction within four business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing this formal complaint against Experian, TransUnion, Equifax, and the furnishers listed below for systematic violations of federal consumer protection laws, including the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), Regulation V ( 12 CFR 1022 ), and the Dodd-Frank Act ( 12 U.S.C. 5531 ). I request immediate investigation and remediation of the following issues : 1. Disputed Accounts and Inaccuracies The following accounts on my credit reports contain material inaccuracies ( e.g., incorrect open dates, dates of last activity, and unverifiable information ) : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 previously disputed these accounts with the credit bureaus on XX/XX/year>, but they failed to correct or delete the errors, falsely claiming the information was " verified '' without providing proof.

2. Legal Violations a. Credit Reporting Agencies ( Experian, TransUnion, Equifax ) Violated : - 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Failure to conduct a proper reinvestigation and correct inaccuracies within 30 days.

- 15 U.S.C. 1681e ( b ) : Failure to follow reasonable procedures to ensure maximum accuracy of credit reports.

- 12 CFR 1022.43 : Failure to review all relevant information provided in my disputes. 

b. Furnishers ( e.g., XXXX  XXXX, XXXX XXXX, XXXX XXXX ) Violated : - 15 U.S.C. 1681s-2 ( b ) : Failure to investigate disputes and correct inaccurate information.

- 12 CFR 1022.42 ( a ) : Failure to maintain reasonable policies to ensure accuracy.

c. Systemic Unfair Practices ( Dodd-Frank Act ) : The bureaus and furnishers collective refusal to correct demonstrable inaccuracies constitutes unfair and deceptive practices under 12 U.S.C. 5531.

3. Relief Requested Pursuant to the CFPBs authority under 12 U.S.C. 5493, I request the following : 1. Immediate deletion of all disputed accounts from my credit files.

2. Corrected credit reports sent to me and all prior recipients.

3. Investigation into the CRAs and furnishers for systemic FCRA violations.

4. Penalties imposed on repeat offenders under 15 U.S.C. 1681s.

I certify that the information in this complaint is accurate to the best of my knowledge.

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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this formal complaint against Experian, TransUnion, Equifax, and the furnishers listed below for systematic violations of federal consumer protection laws, including the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), Regulation V ( 12 CFR 1022 ), and the Dodd-Frank Act ( 12 U.S.C. 5531 ). I request immediate investigation and remediation of the following issues : 1. Disputed Accounts and Inaccuracies The following accounts on my credit reports contain material inaccuracies ( e.g., incorrect open dates, dates of last activity, and unverifiable information ) : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 previously disputed these accounts with the credit bureaus on XX/XX/year>, but they failed to correct or delete the errors, falsely claiming the information was " verified '' without providing proof.

2. Legal Violations a. Credit Reporting Agencies ( Experian, TransUnion, Equifax ) Violated : - 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Failure to conduct a proper reinvestigation and correct inaccuracies within 30 days.

- 15 U.S.C. 1681e ( b ) : Failure to follow reasonable procedures to ensure maximum accuracy of credit reports.

- 12 CFR 1022.43 : Failure to review all relevant information provided in my disputes. 

b. Furnishers ( e.g., XXXX  XXXX, XXXX XXXX, XXXX XXXX ) Violated : - 15 U.S.C. 1681s-2 ( b ) : Failure to investigate disputes and correct inaccurate information.

- 12 CFR 1022.42 ( a ) : Failure to maintain reasonable policies to ensure accuracy.

c. Systemic Unfair Practices ( Dodd-Frank Act ) : The bureaus and furnishers collective refusal to correct demonstrable inaccuracies constitutes unfair and deceptive practices under 12 U.S.C. 5531.

3. Relief Requested Pursuant to the CFPBs authority under 12 U.S.C. 5493, I request the following : 1. Immediate deletion of all disputed accounts from my credit files.

2. Corrected credit reports sent to me and all prior recipients.

3. Investigation into the CRAs and furnishers for systemic FCRA violations.

4. Penalties imposed on repeat offenders under 15 U.S.C. 1681s.

I certify that the information in this complaint is accurate to the best of my knowledge.

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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I never opened these accounts, nor did I grant permission for them to be established. As they are fraudulent, please remove them in compliance with USC 1681g within 15 days. Documentation is included.

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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
After reviewing my credit report, I found multiple accounts and inquiries that are either inaccurate, outdated, or not legally verified. Some of the accountssuch as those from XXXX XXXXXXXX XXXX XXXX XXXX, and XXXX being reported as charged off, even though the information shown is inconsistent, lacks documentation, or includes balances and dates that do not match my records. Several of these accounts were either closed or settled but are still being reported with past-due amounts and derogatory status. Additionally, multiple collection accounts from XXXX XXXX XXXX are listed without any supporting documentation or evidence of ownership transfer from the original creditors. I have disputed these before but received no valid proof or correction. I also noticed unauthorized hard inquiries from financial institutions I never applied with, such as XXXX XXXX and XXXXXXXX XXXX, dated within the last year. This ongoing inaccurate reporting is unfairly damaging my credit profile, and I am requesting a formal reinvestigation with full validation or immediate removal of the disputed items.

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 2025-08-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
they've delayed my closing on loan with XXXXXXXX XXXX for XXXX weeks now and am XXXX week away from breaking the lock. I've paid for the appraisal. They're answers are vague but bottom line is that nobody cares to transfer. I paid {$1500.00} for this appraisal.

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 2025-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp.
State: AL

Complaint narrative:
I discovered an account listed as " TRUEACCORD CORPORATION '' on my XXXX  credit report on XX/XX/year>. I have never opened or authorized any account with this company and never received any communication from them ( no letter, email, or phone call ). I suspect this is either an erroneous or fraudulent entry. No account number is provided. I have submitted a dispute to XXXX  and requested validation from TrueAccord, but I would like the CFPB to investigate this matter. I am requesting immediate removal of this account and assurance that no further unauthorized reporting will occur.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am submitting this complaint regarding these unauthorized third-party accounts that are currently being reported on my credit file : XXXX XXXX  - XXXX * XXXX XXXX XXXX XXXX XXXX * * * * XXXX - XXXX * * * XXXX XXXX - XXXX * I did not apply for or authorize these accounts, nor did I consent to any agreement, extension of credit, or permissible purpose to report these tradelines. 

These companies are not original creditors and have failed to provide a signed contract or chain of assignment proving ownership or authorization to report on my consumer report. This violates the Fair Credit Reporting Act ( FCRA ) 604, which restricts access and furnishing of credit information without a legally permissible purpose. 

Additionally, per FCRA 623 ( a ) ( 1 ) ( A ), furnishers of information must not report inaccurate or unverifiable data. Since no contract, billing history, or debt validation has been produced, this information is considered inaccurate and must be removed. 

I have attached a signed FTC Identity Theft Report affirming these accounts were opened and reported without my consent. I am requesting the immediate deletion of these unauthorized accounts from all credit bureaus. 

Failure to address and resolve this matter may result in further escalation to the FTC and state regulatoryauthorities.

Company response to consumer: Closed with non-monetary relief