vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-24 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: IN

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-08-24 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: IN

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc
State: TN

Complaint narrative:
On XX/XX/XXXX my card was charged to purchase a rental car online in my name I filed a police report they let some one pick.up a car without any of my credentials my ID or signature and they were still able to pick.up a car in my name chime refuses to reimburse my money someone is out here driving a car in my name without authorization

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: IN

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: LA

Complaint narrative:
I am a victim of identity theft. XXXX fraudulent XXXX auto accounts have been reinserted on my credit file after being previously blocked and removed twice by Equifax under my rights pursuant to 15 U.S.C. 1681c-2 ( FCRA 605B ). I never opened or authorized these accounts.

Reinsertion without proper certification or notice violates FCRA 605B and 611. This is unlawful, has caused me financial harm, and demonstrates willful noncompliance. I demand these accounts be permanently removed. If not corrected, I will pursue all remedies, including litigation and damages under 15 U.S.C. 616617.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to formally dispute inaccurate and incomplete information on my credit report, similar to the concerns outlined in the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against Experian. The CFPB lawsuit alleges that Experian has systematically failed to reasonably investigate consumer disputes, improperly handled dispute documentation, and failed to ensure the accuracy of consumer credit files. I have personally experienced many of these same issues, and I demand immediate corrective action and deletion of accounts referenced

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 2025-08-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: United Shore Financial Services, LLC
State: FL

Complaint narrative:
United Wholesale Mortgage first incorrectly reported me in foreclosure. I have a XXXX time close building loan. No payments are due until home is built. 

The they falsely reported me as " up to date '' with my payments. The correct course of action would have been to report it as a mistake and clearing my credit report of missed or late payments. 

Now multiple lenders are unwilling to lend or reducing the amounts they are willing to lend.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have requested my credit report from your company and was sent a letter to verify my address so I will attach my current bank statement and a letter addressing my concerns. 

XX/XX/year> Case # XXXX XXXX Consumer Assistance ATTN : Dispute/Investigations P.O. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Identity-Theft Dispute Block & Delete Unauthorized Accounts ; Remove Fraud-Related Data To Whom It May Concern : I am disputing unauthorized accounts and related fraudulent information appearing on my XXXX credit file. I am a victim of identity theft that maybe connected to the XXXX data breach. Enclosed are my FTC Identity Theft Report and XXXX confirmation letter stating my personal information was impacted/compromised. 

Items in Dispute A. Unauthorized/Identity-Theft Accounts Request : BLOCK & DELETE ( FCRA 605B ) B. Other Fraud-Related Data ( Request : DELETE/CORRECT ANYTHING NOT CONNECTED TO MY DRIVER LICENSE ADDRESS OR CORRECT CURRENT ADDRESS AND PHONE NUMBER. 

Any addresses/phone numbers or other identifiers added due to identity theft : ACCOUNTS WILL BE ON MY FTC REPORT THAT IS ATTACHED. 

My Legal Requests Block identity-theft information within XXXX business days under FCRA 605B ( 15 U.S.C. 1681c-2 ) upon receipt of my FTC report and identification of the fraudulent items. 

Conduct a reasonable reinvestigation under FCRA 611 ( 15 U.S.C. 1681i ) and delete any item you can not verify with original source documentation with my hand written signature from the furnisher. 

Assure maximum possible accuracy and correct any mixed-file/mismatched data under FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) ( including removal of wrong addresses/phones ). 

Provide disclosures required by FCRA XXXX and XXXX ( a ) ( XXXX ) ( B ) ( iii ), including the business name, address, and telephone number of each furnisher/inquirer you contact and a description of the procedures used to determine accuracy. 

Harm These identity-theft items have resulted in denials and disruption of essential banking and credit access, causing ongoing financial hardship for my family and my business. 

XXXX Deadlines Identity-theft blocks : within XXXX business days of receipt ( FCRA XXXX ). 

Reinvestigation results : within 30 days ( FCRA XXXX ). If you believe any item is valid, provide the method of verification and copies of original documentation relied upon. 

XXXX of XXXX ( XXXX ) : I declare under penalty of perjury that the accounts and information identified above were not opened or authorized by me and are the result of identity theft. 

Thank you for your prompt attention. 

Sincerely, 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 2025-08-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
My mortgage lender is overcharging me on my escrow account. They combined my normal escrow of XXXX an upcoming amount of XXXX for the same months covered. Total amount of change for XX/XX/year> is XXXX which is double escrow. 
This has caused my mortgage to XXXX it's original monthly cost. 
SPS is practicing this increase to force homeowners into foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: VA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand deletion of inaccurate, incomplete, and unverifiable information currently appearing on my Experian credit file. This letter is a direct notice under my rights established by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which requires Experian to ensure maximum possible accuracy and to promptly delete or correct any information that can not be verified. 

After reviewing my Experian report dated XX/XX/XXXX, I found multiple violations of the FCRA, specifically : XXXX XXXX ( Account # XXXX ) Reports XXXX late payments that are inaccurate and unverifiable. 

Prior disputes show " investigation complete '' but no documentation was ever provided to prove reporting accuracy. 

Under FCRA 611 ( 15 U.S.C. 1681i ), if Experian can not obtain independent verification from the furnisher, you must delete this item. Continuing to report without proof constitutes willful noncompliance under FCRA 616. 

DISCOVER ( Account # XXXX ) XXXX XXXX late payments without complete payment history validation. 

This is incomplete and misleading, violating FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), which requires accurate and fair reporting. 

XXXXXXXX XXXX Closed XXXX XXXX  Accounts ( multiple ) These accounts continue to report remarks such as consumer disputes ; investigation complete consumer disagrees. 

If no supporting documentation exists proving the validity of the data, continued reporting is unlawful re-aging and misrepresentation, violating FCRA 623 ( a ) ( 1 ) ( A ). 

XXXX XXXX XXXX XXXX ( Account # XXXX ) Closed in XXXX, still reporting dispute notations and adverse remarks. 

This is obsolete information per FCRA 605 ( a ) ( 5 ) and must be deleted immediately. 

Additionally, Experian continues to display data breach incident notations ( XX/XX/XXXX XXXX/Experian breach ) under multiple accounts. These entries are irrelevant, obsolete, and not permitted by law to be included in consumer credit files. Maintaining these notations violates FCRA 602A and 607 ( b ).

DEMAND FOR ACTION In accordance with FCRA 611 ( a ) ( 5 ), you are hereby notified that unless Experian can provide documented, verifiable evidence from the original creditors proving the accuracy of the above items, you must permanently delete them from my file within 30 days.

Failure to comply will constitute willful noncompliance, entitling me to pursue legal remedies under FCRA 616617 and, if applicable, claims under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 ). 

I expect written confirmation of deletions or corrections within the statutory XXXX period.

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 2025-08-24 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: VA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand deletion of inaccurate, incomplete, and unverifiable information currently appearing on my Experian credit file. This letter is a direct notice under my rights established by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which requires Experian to ensure maximum possible accuracy and to promptly delete or correct any information that can not be verified. 

After reviewing my Experian report dated XX/XX/XXXX, I found multiple violations of the FCRA, specifically : XXXX XXXX ( Account # XXXX ) Reports XXXX late payments that are inaccurate and unverifiable. 

Prior disputes show " investigation complete '' but no documentation was ever provided to prove reporting accuracy. 

Under FCRA 611 ( 15 U.S.C. 1681i ), if Experian can not obtain independent verification from the furnisher, you must delete this item. Continuing to report without proof constitutes willful noncompliance under FCRA 616. 

DISCOVER ( Account # XXXX ) XXXX XXXX late payments without complete payment history validation. 

This is incomplete and misleading, violating FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), which requires accurate and fair reporting. 

XXXXXXXX XXXX Closed XXXX XXXX  Accounts ( multiple ) These accounts continue to report remarks such as consumer disputes ; investigation complete consumer disagrees. 

If no supporting documentation exists proving the validity of the data, continued reporting is unlawful re-aging and misrepresentation, violating FCRA 623 ( a ) ( 1 ) ( A ). 

XXXX XXXX XXXX XXXX ( Account # XXXX ) Closed in XXXX, still reporting dispute notations and adverse remarks. 

This is obsolete information per FCRA 605 ( a ) ( 5 ) and must be deleted immediately. 

Additionally, Experian continues to display data breach incident notations ( XX/XX/XXXX XXXX/Experian breach ) under multiple accounts. These entries are irrelevant, obsolete, and not permitted by law to be included in consumer credit files. Maintaining these notations violates FCRA 602A and 607 ( b ).

DEMAND FOR ACTION In accordance with FCRA 611 ( a ) ( 5 ), you are hereby notified that unless Experian can provide documented, verifiable evidence from the original creditors proving the accuracy of the above items, you must permanently delete them from my file within 30 days.

Failure to comply will constitute willful noncompliance, entitling me to pursue legal remedies under FCRA 616617 and, if applicable, claims under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 ). 

I expect written confirmation of deletions or corrections within the statutory XXXX period.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-24 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:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$2100.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX SYXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-08-24 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: UT

Complaint narrative:
I am filing this complaint because the consumer reporting agency is willfully and negligently violating the Fair Credit Reporting Act ( FCRA ) by continuing to report fraudulent accounts and unauthorized inquiries that resulted from a data breach. Despite my submission of a formal dispute under Section 605B [ 15 U.S.C. 1681c-2 ] with a sworn affidavit and proof of identity, the agency has failed to block or delete the disputed items within the required XXXX business days. Additionally, the agency has not provided any verifiable proof bearing my signature or electronic signature, as required under Section 604 [ 15 U.S.C. 1681b ], to justify the permissible purpose of these inquiries. These actions violate my consumer rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-24 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: CA

Complaint narrative:
I am disputing inaccurate, inconsistent, and misleading reporting by XXXX XXXX XXXXXXXX regarding my credit card account. Although the account is currently open and current, XXXXXXXX XXXX has furnished contradictory late payment histories across the XXXX major consumer reporting agencies. 

Experian only reports certain XXXX late payments. 

TransUnion reports XXXX late payments and also lists the account as Dispute Resolved by Grantor, which is inconsistent with the other bureaus. 

Equifax reports a much harsher and inflated delinquency history, including XXXX, XXXX, XXXX, and XXXX lates, along with dispute codes 002 and 283. 

This inconsistency violates the Fair Credit Reporting Act ( FCRA 1681s-2, 1681i ), which requires accurate and consistent reporting of consumer information.

Additional violations include : Failure to maintain uniform dispute notation across all bureaus, in violation of FCRA 1681s-2 ( a ) ( 1 ) ( A ).

Inflated and inaccurate delinquency reporting by Equifax, which materially misrepresents my payment history, in violation of FCRA 1681i and FDCPA 807 ( 2 ) ( A ). 

XXXX reporting violations where lates were reported as XXXX  days past due even though payments were not more than XXXX days overdue. 

These reporting errors have harmed my creditworthiness and financial opportunities. 

I have enclosed : Affidavit of Truth ( XXXXXXXX XXXX account ) Invoice of Statutory Damages ( {$4000.00} ) Formal Demand Letter to XXXXXXXX XXXX Supporting Exhibits ( Experian, TransUnion, and Equifax reports ) I request that the CFPB require XXXXXXXX XXXX to : Correct or delete all inaccurate and inflated late payment notations. 

Ensure uniform and accurate reporting across Experian, TransUnion, and Equifax. 

Remove any improper XXXX lates reported to Equifax. 

Provide written confirmation that corrected reporting will not be reinserted without proper validation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-24 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: CA

Complaint narrative:
I am disputing inaccurate, inconsistent, and misleading reporting by XXXX XXXX XXXXXXXX regarding my credit card account. Although the account is currently open and current, XXXXXXXX XXXX has furnished contradictory late payment histories across the XXXX major consumer reporting agencies. 

Experian only reports certain XXXX late payments. 

TransUnion reports XXXX late payments and also lists the account as Dispute Resolved by Grantor, which is inconsistent with the other bureaus. 

Equifax reports a much harsher and inflated delinquency history, including XXXX, XXXX, XXXX, and XXXX lates, along with dispute codes 002 and 283. 

This inconsistency violates the Fair Credit Reporting Act ( FCRA 1681s-2, 1681i ), which requires accurate and consistent reporting of consumer information.

Additional violations include : Failure to maintain uniform dispute notation across all bureaus, in violation of FCRA 1681s-2 ( a ) ( 1 ) ( A ).

Inflated and inaccurate delinquency reporting by Equifax, which materially misrepresents my payment history, in violation of FCRA 1681i and FDCPA 807 ( 2 ) ( A ). 

XXXX reporting violations where lates were reported as XXXX  days past due even though payments were not more than XXXX days overdue. 

These reporting errors have harmed my creditworthiness and financial opportunities. 

I have enclosed : Affidavit of Truth ( XXXXXXXX XXXX account ) Invoice of Statutory Damages ( {$4000.00} ) Formal Demand Letter to XXXXXXXX XXXX Supporting Exhibits ( Experian, TransUnion, and Equifax reports ) I request that the CFPB require XXXXXXXX XXXX to : Correct or delete all inaccurate and inflated late payment notations. 

Ensure uniform and accurate reporting across Experian, TransUnion, and Equifax. 

Remove any improper XXXX lates reported to Equifax. 

Provide written confirmation that corrected reporting will not be reinserted without proper validation.

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 2025-08-24 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: NC

Complaint narrative:
The credit bureau is reporting inaccurate and inconsistent information on my report ive ask the for proof or deleted of the items. Due to the fair credit act the items deleted at once

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