vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-29 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: TN

Complaint narrative:
I am filing this formal complaint against XXXX  / EQUIFAX , INC. / XXXX for willful non-compliance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual. 

I have identified a derogatory trade line on my credit file ( Balance : {$970.00} ) that is demonstrably inaccurate, incomplete, and unverifiable. The reporting of this account is legally flawed for the following reasons : FRAGMENTED AND INCONSISTENT DATA : The reporting of this account varies significantly across the XXXX major credit bureaus. Specifically, the " Date Opened '' is reported inconsistently, with one bureau displaying XXXX different opening dates for the same account number. It is factually impossible for a single account to have multiple origination dates. This proves the data is corrupted and unreliable.

STALE/OBSOLETE REPORTING : One bureau has failed to update the status of this account since XXXX, while others show different activity. A creditor is required to report accurate, up-to-date information. Reporting a " current '' derogatory status based on data that has not been updated in over a year is misleading and violates the accuracy standards of the FCRA. 

MISSING METRO 2 COMPLIANCE FIELDS : Multiple required fields in the trade line ( as dictated by the Consumer Data Industry Association 's Metro 2 standards ) are left blank or reported as " unknown '' across the bureaus.

I have attempted to resolve this, but the Furnisher and the CRAs continue to report this conflicting information. Because the data integrity is compromised and the bureaus can not agree on the basic facts of the account ( dates, activity, status ), the account is legally unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: TN

Complaint narrative:
I am filing this formal complaint against XXXX XXXX XXXX XXXX XXXX XXXX TRANSUION for willful non-compliance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual. 

I have identified a derogatory trade line on my credit file ( Balance : {$970.00} ) that is demonstrably inaccurate, incomplete, and unverifiable. The reporting of this account is legally flawed for the following reasons : FRAGMENTED AND INCONSISTENT DATA : The reporting of this account varies significantly across the XXXX major credit bureaus. Specifically, the " Date Opened '' is reported inconsistently, with XXXX bureau displaying XXXX different opening dates for the same account number. It is factually impossible for a single account to have multiple origination dates. This proves the data is corrupted and unreliable.

STALE/OBSOLETE REPORTING : One bureau has failed to update the status of this account since XXXX, while others show different activity. A creditor is required to report accurate, up-to-date information. Reporting a " current '' derogatory status based on data that has not been updated in over a year is misleading and violates the accuracy standards of the FCRA. 

MISSING METRO 2 COMPLIANCE FIELDS : Multiple required fields in the trade line ( as dictated by the Consumer Data Industry Association 's Metro 2 standards ) are left blank or reported as " unknown '' across the bureaus.

I have attempted to resolve this, but the Furnisher and the CRAs continue to report this conflicting information. Because the data integrity is compromised and the bureaus can not agree on the basic facts of the account ( dates, activity, status ), the account is legally unverifiable.

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 2025-11-29 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: OH

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-11-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Continental Finance Company, LLC
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute a recent charge and request assistance regarding a highly stressful travel situation that resulted in significant financial loss. 

I purchased XXXX XXXX XXXX tickets for myself and another traveler for an urgent family emergency. I arrived at the airport on time and was already in the XXXX line when XXXX changed the departure gate at the last minute without proper notification. By the time I got to the new gate, no one was there and the flight had already closed. This situation was completely out of my control. 

I immediately contacted XXXX to explain what happened. Despite the circumstances, they refused to provide a refund and only offered flight credits, which were not helpful given that I needed to travel that same day due to the emergency. Because of this, I was forced to purchase new tickets with XXXX at a much higher cost just to reach my destination. 

I also contacted the bank at the time of the incident to explain the issue. Since the service I paid fortimely and accessible boardingwas not delivered due to XXXX abrupt gate change, I am requesting that the bank assist me with a chargeback or other resolution to recover the funds for the unused XXXX tickets. 

This situation caused unnecessary stress during an emergency and resulted in unexpected financial hardship. I am asking for your support in resolving this matter quickly and fairly. 

Thank you for your time and attention. I look forward to your response.

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 2025-11-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
BXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-11-29 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: NY

Complaint narrative:
BXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am filing a complaint against my loan servicer, 1666B, for inaccurately reporting multiple late payments on my credit report.

I was repeatedly told by loan officers at 1666B that my accounts would be paused, placed in forbearance, or temporarily suspended. Based on their instructions, I believed no payments were due during these periods. However, they failed to process the pause correctly and never notified me by email, text, or phone that the loans had become delinquent.

As a result, I was unaware of any issues until I reviewed my credit report and saw the late payments listed. I have attempted to dispute these inaccuracies directly with the credit bureaus and with 1666B, but the late payments remain, despite the fact that they are the result of internal error and poor communication by the loan servicer.

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 2025-11-29 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:
Date Sent : XX/XX/XXXX My Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX Overview I sent formal dispute letters to all three major credit bureaus ( Experian, TransUnion, and Equifax ) to challenge inaccurate information on my credit reports. I'm exercising my rights under the Fair Credit Reporting Act ( FCRA ) and requesting that they verify everything or remove it from my file within 30 days. 

What I'm Disputing with EXPERIAN Negative Accounts : XXXX ( XXXX XXXX XXXX  ) - need full verification New Wave - lacks sufficient documentation Charge-Off Accounts ( all showing {$0.00} balance ) : XXXX  XXXX ( High Balance : {$300.00} ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Multiple additional entries from XXXX What I'm Disputing with TRANSUNION Negative Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$610.00} ( XXXX XXXX XXXX, opened XX/XX/XXXX ) XXXX XXXX XXXX - {$340.00} ( Original : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$1100.00} ( Original : XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX ) Hard Inquiries : All XXXX hard inquiries from XXXX on TransUnion What I'm Disputing with EQUIFAX Hard Inquiries : All XXXX hard inquiries from XXXX on Equifax ( Note : My Equifax report doesn't show derogatory accounts, but I'm still challenging the inquiries since they affect my credit score ) What I'm Asking For I'm demanding that each credit bureau : Thoroughly investigate every item I disputed Get actual documentation from the creditors and collection agencies Verify that collection agencies have legal authority to collect these debts Show me how they verified everything Remove anything they can't properly verify Send me an updated credit report with all corrections Why This Matters These inaccurate items are hurting my ability to : Get approved for housing Qualify for employment opportunities Get better insurance rates Access credit at fair interest rates I take my credit report seriously, and I have the legal right to challenge anything that's inaccurate, incomplete, or unverifiable. The credit bureaus have 30 days to investigate and respond to me. 

Next Steps I'm waiting for responses from all three bureaus. They're legally required to investigate within 30 days and let me know the results. If they can't verify something with proper documentation, they have to remove it from my credit file immediately.

Contact Information : Email : XXXX Phone : 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 2025-11-29 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: AL

Complaint narrative:
Date Sent : XX/XX/XXXX My Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX Overview I sent formal dispute letters to all three major credit bureaus ( Experian, TransUnion, and Equifax ) to challenge inaccurate information on my credit reports. I'm exercising my rights under the Fair Credit Reporting Act ( FCRA ) and requesting that they verify everything or remove it from my file within 30 days. 

What I'm Disputing with EXPERIAN Negative Accounts : XXXX ( XXXX XXXX XXXX  ) - need full verification New Wave - lacks sufficient documentation Charge-Off Accounts ( all showing {$0.00} balance ) : XXXX  XXXX ( High Balance : {$300.00} ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Multiple additional entries from XXXX What I'm Disputing with TRANSUNION Negative Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$610.00} ( XXXX XXXX XXXX, opened XX/XX/XXXX ) XXXX XXXX XXXX - {$340.00} ( Original : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$1100.00} ( Original : XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX ) Hard Inquiries : All XXXX hard inquiries from XXXX on TransUnion What I'm Disputing with EQUIFAX Hard Inquiries : All XXXX hard inquiries from XXXX on Equifax ( Note : My Equifax report doesn't show derogatory accounts, but I'm still challenging the inquiries since they affect my credit score ) What I'm Asking For I'm demanding that each credit bureau : Thoroughly investigate every item I disputed Get actual documentation from the creditors and collection agencies Verify that collection agencies have legal authority to collect these debts Show me how they verified everything Remove anything they can't properly verify Send me an updated credit report with all corrections Why This Matters These inaccurate items are hurting my ability to : Get approved for housing Qualify for employment opportunities Get better insurance rates Access credit at fair interest rates I take my credit report seriously, and I have the legal right to challenge anything that's inaccurate, incomplete, or unverifiable. The credit bureaus have 30 days to investigate and respond to me. 

Next Steps I'm waiting for responses from all three bureaus. They're legally required to investigate within 30 days and let me know the results. If they can't verify something with proper documentation, they have to remove it from my credit file immediately.

Contact Information : Email : XXXX Phone : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SERVICEMAC, LLC
State: MN

Complaint narrative:
Subject : Request for Mortgage Assistance and Review of Submitted Documentation Dear Loss Mitigation Department, I am writing to formally express my concern and request your assistance regarding my mortgage account. My financial hardship began during the XXXX pandemic, when I became ill and unfortunately lost my job. This period caused a major financial setback, and despite my best efforts, I fell behind on my mortgage payments. After regaining employment, I immediately began working to catch up on my payments. However, the accumulated balance became overwhelming, and it has been extremely difficult to become current despite my consistent income. Over the past months, I have been in communication with the Loss Mitigation team to explore available options to resolve my delinquency. Unfortunately, there was some confusion on my part regarding the documentation requirements during the process. Due to that misunderstanding, some of my required documents were either delayed or incomplete. I sincerely apologize for that oversight. However, I have recently gathered, completed, and submitted all necessary documentation as requested. Despite my submission, I was informed that my mortgage account is still being processed for foreclosure. I am writing to respectfully request that you review all the documents I have submitted and reconsider this action. It is my sincere intention to retain my home and maintain good standing with your company. Specifically, I am asking that you reinstate my mortgage, defer or move the delinquent amount to the back of my loan, and allow me to resume paying the regular monthly amount I was paying prior to my hardship. Doing so would enable me to remain current and continue making timely payments going forward. I appreciate your understanding and consideration of my circumstances. Please acknowledge receipt of this letter and confirm that my loss mitigation documentation has been received and is under review. I am fully committed to working with you to bring my mortgage account back to good standing. Thank you for your time, patience, and assistance during this challenging period. I look forward to your prompt response.

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 2025-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Wednesday XX/XX/XXXX I went into Bank of America located in XXXX fl on XXXX XXXX to cash and or deposit a treasury check in the amount of XXXX. They stated they couldnt cash but could deposit. The deposit slip stated most funds available Friday XX/XX/XXXX but hold on XXXX. When I checked the next day it changed to hold XXXX till XX/XX/XXXX by XXXX. It stated I would receive a notification why the change and never received anything. No reason for the change or why they would have an extensive hold on a treasury check. And the automated message said could be subjected to change again for a longer hold.

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 2025-11-29 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: MD

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

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