vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-22 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:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNTS : XXXX # XXXX U S DEPT OF ED/XXXX  # XXXX U S DEPT OF ED/XXXX XXXX XXXXXXXX U S DEPT OF EDXXXX  # XXXX U S DEPT OF ED/XXXX  # XXXX UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: Servicer under contract with Federal Student Aid
State: TX

Complaint narrative:
I have noticed collection accounts on my credit report that I believe include inaccurate details. Under my rights outlined in 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a credit report that reflects only accurate information. I am formally requesting that these items be investigated, and if they can not be confirmed as correct, they must be deleted from my report.

Company response to consumer: Untimely response
Consumer complaint received 2025-10-22 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute Verification Request Under 15 U.S.C. 1681i ( FCRA ) Dear Credit Bureau Representative, I am writing to formally dispute the accuracy and completeness of the following items reported in my credit file. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, you are required to conduct a reasonable reinvestigation of each disputed entry and delete or correct any unverifiable or inaccurate information. 
Please investigate and verify the following accounts : XXXX XXXX XXXX Negative impact XXXX XXXX  Charged-off accounXXXX XXXX  Charged-off collection XXXX XXXX XXXX  Charged-off account If any of these accounts can not be verified within 30 days, please delete them from my report pursuant to 15 U.S.C. 1681i ( a ) ( XXXX ) ( A ). I request written confirmation of your investigation results and an updated copy of my credit report once corrections are made. 
Enclosed are copies of my drivers license, utility bill, and Social Security card to verify my identity and address, as required under FCRA. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date : XX/XX/XXXX TransUnion P.O. XXXX XXXX, XXXX, PA XXXX Subject : Formal Dispute ChargeOff / Collection Verification under XXXX XXXX. XXXX ( FCRA ) Dear Credit Bureau Representative, I am disputing the accuracy and completeness of the chargeoff and collection entries listed below in my credit file. Under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX ( a ), you are required to conduct a reasonable reinvestigation of each disputed item and delete or correct any information that can not be verified as accurate. 
Please investigate and verify the following items : XXXX XXXX Bank Acct # XXXX Reported as collection/chargeoff ; verify balance, ownership, and XXXX. 
XXXX Acct # XXXX Reported as collection/chargeoff ; verify assignment/ownership and status accuracy. 
Requested verification for each item includes : ( XXXX ) the complete chain of ownership/assignment, including the current furnisher ; ( XXXX ) the date of first delinquency used to determine obsolescence ; ( XXXX ) the current balance, status, and payment history ; and ( XXXX ) the identifying documents relied upon to verify that I am the correct consumer. If any furnisher can not substantiate the data you are reporting, the item must be deleted pursuant to XXXX ( a ) ( XXXX ) ( A ). 
Please also provide the method of verification as permitted under XXXX ( a ) ( XXXX ) ( B ) ( XXXX ). 
Enclosed are copies of my government ID, Social Security card, and a recent utility bill to verify my identity and address. Upon completion, please send me written results of your reinvestigation and an updated credit report reflecting any corrections. 
Thank you for your prompt attention. 
Sincerely, 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 non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: BSI Financial Holdings, Inc.
State: TX

Complaint narrative:
On XX/XX/year>, I submitted a payoff request for my mortgage loan ( # XXXX ) through BSI XXXX XXXX XXXX ( XXXX XXXX XXXX ). The website stated that a payoff statement would be generated within XXXX business days and sent via secure email. 

As of XX/XX/year>, I have not received the payoff statement despite repeated follow-ups. I called BSI customer service at ( XXXX ) XXXX on XX/XX/year> and was told the request is still in process with no clear timeline. I also emailed XXXX but received no response. 

This delay prevents me from paying off my loan in a timely manner and may cause me to incur additional, unnecessary per-diem interest, which is not fair since I submitted the request on time. 

Additionally, I noticed that this loan has not been properly reported to the credit bureaus, which may negatively affect my credit history. 

Fair resolution requested : Please ( XXXX ) issue and send my payoff statement immediately, ( XXXX ) ensure that I am not charged additional interest due to the servicers delay ( or credit any such interest ), and ( XXXX ) correct and update credit bureau reporting for my loan promptly and accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: TX

Complaint narrative:
THE REPORTED LATE PAYMENT IS INCORRECT AND UNVERIFIED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: VA

Complaint narrative:
My account was closed XXXX years ago, then reopened almost immediately ( unbeknownst to me ) then in the beginning of XXXX my account was closed again. I reached out to the creditor to inquire what happened and they stated your account was closed at your request I advised them that I never requested this please ensure my account has not been hacked. They stated the account is closed and can not be reopened. I asked what happened to the account they stated that the account was mistakenly closed by the back office but since it has been more than XXXX  days it can not be reopened I then asked how that was my fault as a consumer and they stated that the account had actually been reopened in error XXXX years prior, I said I never asked for it to be closed then either please provide proof of this and they refuse to provide the information. Spoke to multiple supervisors and departments within the company all ending in still not acquiring the information requested. Reached out to the creditor bureau for a dispute and they only request information from the creditor and close the case.

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 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Unauthorized access to my credit report by several companies has directly harmed both my credit and credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. That promise has not been fulfilled these inquiries still remain. This failure to act is unacceptable. The continued presence of these potentially fraudulent entries is highly alarming and strongly suggests possible identity theft. This unresolved issue is inflicting ongoing emotional and financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company 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 2025-10-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
My son works at Walmart and they had him set up Walmart XXXX XXXX XXXX synchrony bank ) for his paychecks. On XX/XX/year> he transferred money to my bank account at XXXX XXXX XXXX XXXX. There were 2 transactions totaling {$510.00}. The money made it to my account and then XXXX XXXX reversed them and took the money back out of my account. 
We called on XX/XX/year> and spoke to an agent who said it was a known issue but couldnt return the money. I spoke with a supervisor named XXXX ( female outsourced employee ) who escalated it and told us it would be fixed in XXXX hours. 
As of today the money is not there and now they are denying it was a problem. 
I filed a fraud case with XXXX XXXX and that case number is XXXX. 
Because of this, my bank account has also incurred overdraft fees. I included screenshots from his bank showing the transactions and ones from XXXX XXXX showing the overdraft fee and the date range showing no deposit on the 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 2025-10-22 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: NJ

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( XXXX XXXX XXXX ( XXXX ) ). Pursuant to XXXX XXXX XXXX, I have identified the following accounts that have breached these legal provisions : Under XXXX XXXX. XXXX ( XXXX ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX  Account # : XXXX XXXX OF XXXX Account # : XXXX XXXX XXXX XX/XX/year> XXXX. Reporting of Obsolete Information Violation of XXXX XXXX XXXX ( a ) ( XXXX ) Pursuant to XXXX XXXX. XXXX ( a ) ( XXXX ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 
XXXX. Right to Privacy XXXX XXXX ( A ) of the FCRA The FCRA, under XXXX  XXXX ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly. 

XXXX. Inaccurate or Unverified Information XXXX XXXX XXXX ( a ) ( XXXX ) Furthermore, under XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to XXXX ( a ) ( XXXX ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data. 

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

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 2025-10-22 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: NJ

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ) and GrammLeachBliley Act ( GLBA ), I dispute multiple inaccurate, incomplete, and outdated items currently listed in my Equifax credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts Duplicated and overlapping student loans reported under conflicting IDs ; reporting balances of {$0.00} and {$24000.00} simultaneously ; listed as Indeterminate which is not an accepted Metro 2 status. 
XXXX XXXX XXXX XXXX XXXX Closed loans with conflicting reporting dates and unverifiable co-signer indicators. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Closed accounts beyond retention period ( 605 ( a ) ( 5 ) ) still affecting scoring models. 
XXXX XXXX. Missing across Equifax while present on XXXX, indicating furnisher noncompliance and incomplete transmission of consumer data. 
Violations Identified : FCRA 602 ( a ) : Duty to assure accuracy. 
FCRA 607 ( b ) : Reporting inconsistent, incomplete, and duplicative tradelines.

FCRA 609 ( a ) : Failure to identify data sources and permissible purpose.

FCRA 611 ( a ) : Lack of reasonable reinvestigation.

FCRA 616617 : Civil liability for negligent or willful noncompliance.

GLBA 6802 : Failure to protect consumer data ( noted from Equifaxs XXXX and subsequent breaches ). 
Formal Demand : I demand immediate deletion or correction of these items and an updated report reflecting full compliance within 30 days. Provide : 1. Written verification from each furnisher, 2. Details of your reinvestigation method, and 3. A current copy of my corrected report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: TX

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My credit report contains several inaccurate accounts and collections that has not been resolved following investigation

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 2025-10-22 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX  Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ). 

To Whom It XXXX Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, XXXX XXXX. XXXX ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to XXXX XXXX XXXX XXXX ( XXXX ). According to, XXXX XXXX XXXX XXXX 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. Under, XXXX XXXX XXXX XXXX - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency XXXX furnish a consumer report und the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed 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