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

Complaint narrative:
This is a follow-up complaint regarding TransUnion 's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Transunion has repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ). 
Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data. 
Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Transunion to potential regulatory and civil liability.

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 2025-11-11 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: FL

Complaint narrative:
I am disputing the following items on my credit report that I believe are inaccurate or outdated : Charged Off Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX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

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

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 2025-11-11 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: CO

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 2025-11-11 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: PR

Complaint narrative:
I am a documented victim of identity theft ( FTC Identity Theft Report # XXXX, filed on XX/XX/XXXX ). For several years, I have submitted more than thirty ( 30 ) disputes to TransUnion, Experian, and Equifax, requesting the deletion of fraudulent accounts that do not belong to me, yet all three credit reporting agencies have continuously failed to comply with the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). 

Between XXXX and XXXX, these agencies have repeatedly verified false information without conducting reasonable investigations or providing any corroborating documentation to prove that the disputed accounts are legitimately mine. Despite numerous certified letters, official FTC reports, and evidence of identity theft, they continue to report the same fraudulent accounts, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX of the XXXX bureaus have provided copies of applications, signatures, IP addresses, or identification used to verify these accounts. Their pattern of negligence and willful noncompliance with 1681i and 1681c-2 demonstrates a systemic failure to protect consumers and to uphold their legal obligations under federal law. 

This ongoing inaction has caused severe and continuous harm to my credit reputation, including the denial of a federal student loan and the inability to rebuild my financial standing. I am requesting that the CFPB intervene immediately to ensure that all three agencies permanently delete the fraudulent accounts, correct my credit files, and provide written confirmation that my identity theft report has been properly processed.

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 2025-11-11 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:
XXXX XXXX XXXX XXXX date of birth XX/XX/year> contexts of complaint : This CFPB complaint has been filled to request pursuant to FCRA 605B that you the TRANSUNION, EQUIFAX AND EXPERIAN credit reporting agencies block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I've attached the copy of the identity theft affidavit and a document listing all the accounts as proof from the US Federal Trade Commission that all of the aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me and instead they are a result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX date of birth XX/XX/year> contexts of complaint : This CFPB complaint has been filled to request pursuant to FCRA 605B that you the TRANSUNION, EQUIFAX AND EXPERIAN credit reporting agencies block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I've attached the copy of the identity theft affidavit and a document listing all the accounts as proof from the US Federal Trade Commission that all of the aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me and instead they are a result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: CA

Complaint narrative:
This is a follow-up complaint regarding Equifax 's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Equifax has repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ).

Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data.

Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Equifax to potential regulatory and civil liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Lien release
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
I put thru a complaint back in XXXX becaue PHH Mortgage said I owned them money from XXXX XXXX. I have learned so much in fighting for my home in foreclosure. Lets start with the fact that PHH Mortgage is not licensed to be a XXXX  XXXX in the XXXX of Maryland. When they initally contacted me I tried to do a loan modificaton my husband said we owed the money. XXXX XXXX transfered {$170000.00} debt to PHH that I never owed. XXXX XXXX released my mortgage in 2005 and now I learn thru research they are saying I own {$230000.00} to XXXX XXXX XXXXXXXX, XXXX and XXXX XXXX XXXXXXXX XXXX. I have also discovered an allonge note where a slo resident funding corporation was owed. This is an great case for an attorney for litigaton, I have done all the homework but I'm getting my but kicked in court because I can not properly present my evidence. will tell you that there is misreprensentation and fraud all over this mortgage and companies including the law firm. This company has brought a forclosure against my property without their being a cloused title and a break in the chain of title. 
PHH has no legal standng and do not own the not The substitue trustee affidavits used are defunct The lawfirm bringing about the forclosure is not licensed to do business in Maryland. 

I dont not owe the money for this deed of trust that they claim I do. 
The foreclosure sale was not fairly done In all of this I have lost my home and still fighting in court XXXX was the rise of the foreclosure crisis and I want to say that its back! If you are being foreclosed on by PHH please call me XXXX, we need to bring a class action law suit together. These people are crooks!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Please see XXXX XXXX XXXX for details. 

PNC reached out to discuss details again. Dispute was filed XX/XX/year>. 
XXXXXXXX  Order total. {$36.00}, merchant processed via XXXX for {$47.00} an additional {$11.00} which was unauthorized. XXXX issued {$11.00} credit. Checking account assessed {$1.00} international fee. 
Requested refund for {$36.00} and {$1.00} total {$38.00}. 
PNC has mishandled this Reg E dispute. Provisional Credit was not issued within the 10 day timeframe when additional time was needed to research. 
This merchant was in XXXX and company suspected to be possible fraud/scam. 
Due to the amount of the dispute and XXXX, it would not have been within the dollar threshold for chargeback. 
PNC is deliberately extending time to resolve this unnecessarily. 
A third party processes disputes for PNC and there should be no reason for this to drag out.

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

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 2025-11-11 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: AL

Complaint narrative:
I am submitting this complaint because there are several inaccurate, incomplete, or unverifiable items being reported on my credit reports. I am requesting a thorough investigation under the Fair Credit Reporting Act ( FCRA ), and that all inaccurate or unverifiable information be deleted or corrected immediately.2. Charged Off Accounts XXXX XXXX Account XXXX. XXXX Reported Date : XX/XX/XXXX Balance : {$20000.00} This information is disputed as inaccurate. Please verify all account details and furnish supporting documentation. 

XXXX. Inquiries XXXX  XXXX Inquiry Date : XX/XX/XXXX I do not recall authorizing this inquiry. Please confirm the permissible purpose and remove if unauthorized. 

XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX I do not recall authorizing this inquiry. Please verify its validity. 

XXXX. Late Payments XXXX Account XXXX. XXXX I dispute the accuracy of any late payments reported on this account. Please verify directly with the creditor.

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 2025-11-11 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: MN

Complaint narrative:
CREDIT BUREAUS ADVISED THAT A CHARGE OFF STATUS WAS GOUNG TO BE REMOVED BY XXXX XXXX. I NEED THIS CORRECTED WITH ALL CREDIT BUREAUS IMMEDIATELY!!! 

I was told by XXXXXXXX XXXX XXXX XXXXXXXX that my account was accidently Charged Off for a {$50.00} balance that was never owed. However, XXXX XXXX  has ruined my credit by reporting me as a Charge Off anyway. I always have perfect credit and need this corrected immediately.

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 2025-11-11 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: CA

Complaint narrative:
I am writing to dispute the accuracy of certain information listed on my TransUnion credit report. 

Inquiry in Dispute : XXXX XXXX XXXX XXXX XXXXXX/XX/year> I do not recall authorizing this inquiry. Please verify whether it meets FCRAs permissible purpose requirement and remove it if proper authorization can not be confirmed. 

Late Payment Account in Dispute : XXXX XXXX Account No. XXXX I am requesting that TransUnion verify the late payment reporting for this account. If the information can not be verified as accurate, please update or remove it. 

Thank you for your time and assistance.

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 2025-11-11 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
Equifax received my dispute letter on XX/XX/XXXX ( XXXX delivery proof attached ) regarding the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
The 30-day investigation period under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) has expired, and Equifax never responded.

The same inaccurate information remains on my credit report, proving that no reinvestigation was conducted. Under 1681i ( a ) ( 5 ) ( A ), if the information can not be verified within 30 days, it must be deleted immediately.

Equifaxs silence and continued reporting of false data are a willful violation of federal law. I am demanding that the CFPB order the permanent deletion of this account and hold Equifax accountable for noncompliance with the FCRA. 

Attachments : USPS proof of delivery ( XX/XX/XXXX ), original dispute letter, current report.

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

Complaint narrative:
I am disputing the accuracy and completeness of the following information reported on my Experian credit report. I request that Experian conduct a full reinvestigation under the FCRA and remove or correct any information that can not be verified. 

Charged-Off Accounts in Dispute : XXXX Account XXXX. XXXXXXXX XXXX XXXX XXXX XXXX  Date Open : XX/XX/XXXX Balance : {$35.00} Inquiries in Dispute : XXXX XXXX XXXX XXXX XX/XX/XXXX Late Payment Accounts in Dispute : XXXX XXXX Account No. XXXX XXXX XXXX XXXX XXXX Please verify all accounts and inquiries with the original creditors. Remove any unverifiable or inaccurate information from my credit file.

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 2025-11-11 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 am filing this FTC Identity Theft Affidavit to report XXXX fraudulent account appearing on my Transunion consumer FICO credit report which I do not recognize as reported and which is the result of identity theft and fraud. This fraudulent account consists of a personal loan account opened at XXXX XXXX XXXX on XXXX under account number XXXX in the amount of $ {$19000.00} and XXXX XXXX Bank on XXXX under account number XXXX in the amount of {$4900.00}. These fraudulent accounts have resulted in inaccurate and damaging information appearing on my Transunion consumer FICO credit report. I demand that the aforementioned fraudulent item be removed from my Transunion credit report and that all collection activity related to said item cease pursuant to my rights within the FCRA and FDCPA laws.

This is a formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that Transunion immediately block and permanently remove the following fraudulent account, including any related collections, charge-offs, late payments, and hard inquiries, that was added to my credit report without my knowledge or authorization. This account is the direct result of fraudulent activity and not any legitimate consumer transaction. 
This fraudulent, inaccurate, and false information consists of an installment account opened at XXXX XXXX XXXX Account No. XXXX, Date Opened : XX/XX/year> and XXXX XXXX Bank Account No. XXXX, Date Opened : XX/XX/year>.

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