vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-18 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX XXXX XXXX XXXXXX/XX/year> To Whom It May Concern, RE : Request to Delete XXXX XXXX Account from My Credit Report Creditor : XXXX XXXX XXXX Account Number : XXXX XXXXXXXX Reported Balance : {$3200.00} Dear XXXX  Disputes Department , I'm reaching out to ask that you remove the XXXX XXXX account listed above from my credit report. 

This account is listed as a charge-off, and it's been hurting my credit and holding me back from being able to move forward financially. Id like to resolve this and ask that you delete this account entirely from all three credit bureaus XXXX, Equifax, and XXXX. 

If you need me to take any steps on my end to help make this happen, Im open to working something out whether thats settling the balance, updating the record, or anything else that gets this cleaned up. But Id really appreciate your help in removing this account from my credit as soon as possible.

Please send a written response to confirm whether the account can be deleted.

Thanks in advance for your time and understanding.

Sincerely

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 2025-07-18 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: NC

Complaint narrative:
I am writing to dispute an account that is being reported on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) pursuant to 15 U.S.C. 1681c-2. Therefore, I respectfully request that this information be blocked or deleted immediately.

I am enclosing a copy of my Identity Theft Report issued by the Federal Trade Commission ( FTC ), FTC REPORT NUMBER : XXXX, as supporting evidence for my claim. 

According to 15 U.S.C. 1681c-2, once a consumer submits an identity theft report, credit reporting agencies are legally required to block any information identified by the consumer as resulting from such identity theft within four ( 4 ) business days.

The following information in my credit file is the result of a clear FCRA violation and must be blocked immediately : XXXX XXXX - XXXX Additionally, 15 U.S.C. 1681b, which states that a credit reporting agency may not include information in a consumers file unless there is a valid authorization or permissible purpose. I never authorized the opening or reporting of this account, and there is no signed contract or consent from me that justifies its inclusion in my credit report.

Therefore, the continued presence of this account constitutes not only a result of identity theft but also the unauthorized use and disclosure of my personal information, in direct violation of the FCRAs requirements.

In accordance with 15 U.S.C. 1681c-2 and 1681b, I respectfully request that this account be blocked and deleted immediately from my credit report and that it no longer be reported in any manner.

I have contacted TransUnion on multiple occasions to report these accounts, but I have yet to receive a clear or definitive resolution to this matter. This situation is causing me serious harm, as I am in the process of purchasing a new home for my children and seeking financial tools to support my economic growth. These negative accounts are blocking my opportunities and causing both personal and financial damage.

Furthermore, these accounts have already been deleted by other credit bureaus, as they were unable to verify them under the procedures required by law. I do not understand why this agency continues to report this account on my credit file.

I have also requested copies of any contracts related to these accounts from the company reporting them, and after more than 60 days, I have not received a single response. This further supports the fact that there is no verifiable evidence or legal basis for continuing to report this information.

I respectfully request that you assist me by removing this account 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 non-monetary relief
Consumer complaint received 2025-07-18 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: GA

Complaint narrative:
CFPB Complaint Summary 1. What happened?

I submitted multiple disputes to XXXX Experian / Equifax / TransUnion regarding inaccurate and fraudulent information on my credit report. I also provided supporting documentation, including an FTC identity theft report, police report, and proof of identity and address. Despite my request for a manual reinvestigation and a formal Method of Verification ( MOV ), the credit bureau failed to conduct a proper investigation. I also requested the removal of outdated personal information and fraudulent accounts stemming from identity theft and data breaches, but they failed to comply. 
Furthermore, I filed identity theft reports and submitted them in accordance with FCRA 605B, which requires blocking of fraudulent data within 4 business days. These fraudulent accounts are still being reported, and I have not received adequate responses or verification. This agency appears to have relied on automated systems ( such as e-OSCAR ) without properly reviewing the documentation I submitted.

I continue to receive alerts regarding unauthorized changes of address and dark web exposures of my personal data, which further supports the urgency of my case.

2. What do you believe is the issue? 
Credit reporting company failed to investigate a dispute Continued reporting of information that was not verified Failure to block fraudulent information after identity theft report Failure to update personal information ( address, name, etc. ) Did not provide requested Method of Verification Did not respond in a timely or complete manner

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I am writing with grave urgency regarding a matter that has significantly compromised my financial standing. Despite incessant efforts to resolve the issue directly with Capital One Auto Account # XXXX, I continue to suffer from the erroneous reporting of a late payment, a charge that is both false and detrimental to my credit profile. I have diligently contested this inaccurate reporting, remain overwhelmed by ongoing negative entries and undue harassment by a system that has failed to verify or validate the alleged late payment. It is unacceptable that such derogatory information is being recorded without my explicit and legally valid consent. 
Violations of Established Statutory Standards Include : 15 U.S.C. 1681b ( Permissible Purposes of Consumer Reports ) 15 U.S.C. 1681a ( 2 ) ( xi ) ( Reporting of Late Auto Payment ) 15 U.S.C. 1681i ( Procedures for Disputed Accuracy ) 15 U.S.C. 1681s-2 ( Furnishers Responsibilities to Consumer Reporting Agencies ) 15 U.S.C. 1681e ( b ) & 15 U.S.C. 1681i ( 5 ) ( a ) ( Accuracy Standards ) 15 U.S.C. 1681i ( 7 ) ( Verification Requirements ) Capital One Auto flagrantly disregards these legal standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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 am writing to TRANSUNION to formally dispute the results of a previous investigation you conducted regarding inaccurate information on my credit report. I have reviewed the outcome, and I must strongly disagree with your findings, as the reported information remains incorrect and continues to negatively impact my credit profile. The investigation failed to resolve the inaccuracies, and I believe a more thorough and accurate reinvestigation is warranted under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 15 U.S.C. 1681i ). I am requesting that you reopen the investigation into the disputed accounts and conduct a full and proper reinvestigation. Please verify all reported details directly with the data furnisher using original source documentation, not automated or third-party verification systems. If the account ( s ) can not be properly verified, they must be removed immediately, as required by federal law. I expect a detailed response and the results of your reinvestigation within the timeframe mandated by the FCRA

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 2025-07-18 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: GA

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions XXXX regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions XXXX continues to willfully report inaccurate data in violation of FCRA XXXX XXXX. XXXX ( b ), XXXX, and FDCPA XXXX and XXXX. 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 2025-07-18 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: CA

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-07-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Fay Servicing, LLC
State: FL

Complaint narrative:
Fay servicing and I were engaged in a Loan Mitigation program during XXXX XXXX and at the same time Fay was charging my mortgage account for foreclosure fees services and other fees related to foreclosure actions. 

This is in direct violation of of federal mortgage servicing laws, specifically under the Real Estate Settlement Procedures Act ( RESPA ) and its implementing Regulation X Things referred to as Dual Tracking which is prohibited Dual Tracking is Prohibited : Federal mortgage servicing laws generally prohibit " dual tracking, '' where a mortgage servicer pursues foreclosure while a borrower 's complete loss mitigation application is pending During my loss Mitigation application process with Fay Servicing made it difficult accepting my paperwork, their website is specifically made to make you try to upload an impossible document, this delays the mitigation, buy them More time too charge me additional foreclosure fees the foreclosure fees are being charged in violation of federal regulations and during an active loss mitigation process. 

I was offered a higher interest rate, with a substantial set of 3 payments and told that was the only option available to us to prevent foreclosure, in a heated recorded argument with XXXX XXXX I was threatened and hung up and told she would proceed with foreclosure torturing us mentality, causing me Emotional distress and having to go to a Psychiatrist to get prescribed medication to manage my condition. 

Then after catching up on all my late payments and illegal fees charged to the tune of {$15000.00} XXXX came back and offered me a New lower payment option which was not originally available, proving they engaged in predatory lending practices. 




I am consulting with XXXX XXXX XXXXXXXX about a class action lawsuit on behalf of all other Fay servicing mortgage owners in Florida that are being treated the same way and are being charged illegal foreclosure fess while in an active Loan Mitigation Program, this same way by Fay Servicing, does to everyone. 

In the context of home loss mitigation, predatory lending refers to deceptive and unfair practices used by lenders or brokers to target borrowers, particularly those facing financial hardship, with loan terms that are highly disadvantageous and make it difficult or impossible to repay the debt, ultimately potentially leading to foreclosure. 

This is exactly what Fay was trying to do to us, and I have proof of the 2 offers with different payments options to prove predatory lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: WI

Complaint narrative:
Please check this information concerning the equifax data breach below XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI, XXXX Phone : ( XXXX ) XXXX Date : XX/XX/scrub> 2025 Equifax XXXX  XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute of Inaccurate Credit Reporting under 15 U.S.C. 1681i To Whom It May Concern, I am writing to formally dispute the inaccurate and derogatory items listed on my Equifax credit report. This dispute is being filed under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C.

1681i, which provides consumers the right to dispute incomplete or inaccurate information in their credit reports.

The following accounts are being disputed due to inaccurate, outdated, or unverifiable reporting : 1. * * DEPT OF EDUCATIONXXXXXXXX XXXX XXXX  - Multiple accounts listed with late payments and past due balances. These accounts have been previously disputed, and their continued reporting in this manner is inaccurate and unjustified. 
2. * * XXXX XXXXXXXX XXXX * * - Account listed with 18 late payments. I dispute the accuracy of these reported delinquencies. 
3. * * XXXX XXXX * * - Charged off account with {$450.00} written off. This item is being disputed as inaccurate and/or unverifiable. 
4. * * XXXX XXXX * * - Closed and charged off with {$180.00} written off. This account is also reported inaccurately. 
5. * * XXXX XXXX * * - Account charged off for {$400.00}. Disputing the accuracy and reporting status of this item. 
6. * * XXXXXXXX XXXX XXXXXXXX ( XXXX ) * * - Collection account for {$280.00}. Disputing on grounds of accuracy and verification. 

I am requesting a reinvestigation of these accounts and for Equifax to delete or correct all information that can not be verified as accurate within the required 30-day period, as outlined under FCRA guidelines . Please provide the method of verification, the name and address of the furnisher of information, and any supporting documents used to validate the accuracy of the data. 
Thank you for your attention to this matter. I expect resolution within 30 days as required by the FCRA. 

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 2025-07-18 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: WI

Complaint narrative:
Please check this information concerning the equifax data breach below XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI, XXXX Phone : ( XXXX ) XXXX Date : XX/XX/scrub> 2025 Equifax XXXX  XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute of Inaccurate Credit Reporting under 15 U.S.C. 1681i To Whom It May Concern, I am writing to formally dispute the inaccurate and derogatory items listed on my Equifax credit report. This dispute is being filed under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C.

1681i, which provides consumers the right to dispute incomplete or inaccurate information in their credit reports.

The following accounts are being disputed due to inaccurate, outdated, or unverifiable reporting : 1. * * DEPT OF EDUCATIONXXXXXXXX XXXX XXXX  - Multiple accounts listed with late payments and past due balances. These accounts have been previously disputed, and their continued reporting in this manner is inaccurate and unjustified. 
2. * * XXXX XXXXXXXX XXXX * * - Account listed with 18 late payments. I dispute the accuracy of these reported delinquencies. 
3. * * XXXX XXXX * * - Charged off account with {$450.00} written off. This item is being disputed as inaccurate and/or unverifiable. 
4. * * XXXX XXXX * * - Closed and charged off with {$180.00} written off. This account is also reported inaccurately. 
5. * * XXXX XXXX * * - Account charged off for {$400.00}. Disputing the accuracy and reporting status of this item. 
6. * * XXXXXXXX XXXX XXXXXXXX ( XXXX ) * * - Collection account for {$280.00}. Disputing on grounds of accuracy and verification. 

I am requesting a reinvestigation of these accounts and for Equifax to delete or correct all information that can not be verified as accurate within the required 30-day period, as outlined under FCRA guidelines . Please provide the method of verification, the name and address of the furnisher of information, and any supporting documents used to validate the accuracy of the data. 
Thank you for your attention to this matter. I expect resolution within 30 days as required by the FCRA. 

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 non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing a formal dispute against Experian, TransUnion, and Equifax for illegally reporting inaccurate, unverifiable, and derogatory information on my credit profile in violation of multiple federal statutes, including the FCRA and GLBA.

These entities have falsely represented themselves as official bureaus, when in fact they are private for-profit corporations with no lawful authority to publish or adjudicate consumer creditworthiness. They have a pattern of sham investigations and have repeatedly failed to validate or correct the accounts I previously disputed, despite CFPB documentation of those prior filings. 

The accounts listed in my attached letter are in violation of : 15 U.S.C. 1681b Lack of permissible purpose 15 U.S.C. 1681e ( b ) Failure to ensure maximum accuracy 15 U.S.C. 1681s-2 ( b ) Furnisher reinvestigation violations 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ) Sham reinvestigations 15 U.S.C. 680XXXX ( GLBA ) Privacy and data protection violations Their continued reporting has damaged my credit reputation and violated my rights as a living man, not a corporate fiction.

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