vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
LEGAL DISPUTE & DEMAND LETTER TO TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Last XXXX of XXXX : XXXX  Date of Birth : XX/XX/XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX TransUnion LLC Attn : Consumer Relations XXXX XXXX XXXX XXXX, PA XXXX RE : FORMAL NOTICE OF DISPUTE, DEMAND FOR CORRECTION, AND REMEDIATION PURSUANT TO THE FAIR CREDIT REPORTING ACT ( FCRA ) This letter serves as a formal notice of dispute regarding multiple inaccurate, incomplete, and harmful entries appearing on my TransUnion consumer report. I, XXXX XXXX, hereby invoke my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., including but not limited to 1681i ( FCRA 611 ), and demand immediate correction, reinvestigation, and remediation. 
1. INACCURATE BANKRUPTCY REPORTING I filed for bankruptcy in XXXX, and it was paid in full, discharged, and closed on XX/XX/XXXX by the North Carolina courts. Despite supplying complete documentation, TransUnion continues to inaccurately report that I am on an active repayment plan, in violation of 15 U.S.C. 1681e ( b ). 
2. CLOSURE OF 12 XXXX XXXX XXXXCOUNTS Because of TransUnions inaccurate reporting, XXXX XXXX XXXX accounts were closed. 
XXXX XXXX confirmed these closures were caused by information supplied by TransUnion. This has severely damaged my credit profile and account history. 
3. INCORRECT ADDRESS REPORTING TransUnion continues to report an address belonging to an acquaintance, despite the fact that I have lived at my current address for XXXX years and supplied all documentation requested.

This violates TransUnions obligations under FCRA 611 ( a ).

4. MULTIPLE PRIOR DISPUTES AND CONTINUED NON-COMPLIANCE I have disputed these issues multiple times. Each time, TransUnion fails to correct them and instead introduces new inaccuracies. This reflects a failure to conduct reasonable reinvestigations as required by 15 U.S.C. 1681i. 
DEMAND FOR IMMEDIATE ACTION I hereby demand : Immediate correction of all bankruptcy information. 
Removal of the incorrect address. 
Reinvestigation and correction of all Synchrony-related closures. 
Remediation for all harm caused. 
Written verification of all corrections made. 
NOTICE OF LEGAL RIGHTS TransUnion must complete a reasonable reinvestigation within 30 days as required by 15 U.S.C. 1681i ( a ) ( 1 ). Failure to comply may constitute willful or negligent non-compliance under 1681n and 1681o.

CERTIFICATION I certify that this dispute is submitted in good faith and that all information provided is accurate to the best of my knowledge. 
Sincerely, XXXX XXXX XXXX XXXX Equifax has done their job now transunion needs to

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 2025-11-17 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: TX

Complaint narrative:
The reported information does not align with my true financial performance. I request a correction based on review.

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 2025-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I received an email from XXXX stating the there was fraudulent activity on my account. I called the number for XXXX and they showed me the account with the false charges. I was asked to verify activity and then to start procedures to begin the refund process. The XXXX employee identified themselves as XXXX XXXX ID - XXXX ; then they transferred me to their colleague '' XXXX '' with their XXXX ID - XXXX. XXXX asked me to log into my paypal for the refund ; I was asked to install XXXX to process the refund. I typed in {$500.00} ; I was told to secure my account by receiving an two-factor authorization - when I clicked the link, that's how access to my computer was granted. The email came from XXXX. 

Then, I was told to install XXXX to process the refund.I was then told that {$50000.00} was mistakenly transferred into my account and that I would need to refund it immediately. I followed the steps before realizing it was a scam. I immediately hung up ( they repeatedly tried to call back ) and call my bank ; but the wire- transfer of {$25000.00}. out of my checking account had already been initiated. I filed a claim with my bank and removed the fraudulent recipients from my account. 
My bank has tried twice to receive the funds to only get the following message - " we are unable to return any funds as no funds are available in the account ''.

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 2025-11-17 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: IN

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-11-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Caramel Dealer Services, LLC
State: FL

Complaint narrative:
XXXX kicked back the loan to caramel dealer because they said it is fraud. Caramel promised to cancel sale and refund my {$2500.00} deposit but never did. They stopped contacting me. I need your help. This is pure fraud and theft. I don't understand why I'm not getting my due justice. Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-17 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: NY

Complaint narrative:
I am writing to dispute the following inaccuracies in my credit reports from the three credit bureaus : Equifax ( EQ ), XXXX ( XXXX ), and XXXX  ( XXXX ). The following accounts are under dispute : CHARGED OFF ACCOUNTS Account Name : 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 XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: LA

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 non-monetary relief
Consumer complaint received 2025-11-17 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: TX

Complaint narrative:
The disputed information misrepresents my financial patterns. I request that my file be reviewed and corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the 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 explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
I attached a file summary which is exactly what happened between me and the trustee and the PHH mortgage services Adding to that they foreclosed on my house on the XXXX of 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 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: MI

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights6 under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Dear CFPB, I am a Citi XXXX XXXX Select customer with a perfect payment record. Last week I received a new card in the mail with instructions to activate the new card and destroy the old ( existing ) one. Trying to do just that, I went online and was unable to activate the new card. I received multiple error messages including that they had no record of the card, the information I was entering didn't match their records, I needed to wait another 24 hours before trying again, and other such nonsensical verbiage. I initiated a chat with Citi, who instructed me to set up online access. I found this instruction rather odd, as you have to have online access in order to have a chat. This interaction with the Citi associate left me underwhelmed and raised doubts that their front line support was competent. The chat rep then proceeded to give advice on caches and browsers that would be more suited to his IT department than a customer, at which point I threw in the towel.

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 2025-11-17 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I am disputing interest and fees assessed to my XXXX Synchrony store card. I have consistently made payments on time in good faith and had set up automatic payments as predetermined by Synchrony when I initially opened the account. At the time of purchase, I was not informed of any requirement to pay by a specific date beyond the standard statement due date. I relied on Synchronys automatic payment setup to manage my account, and as such did not review the monthly statements closely because the autopay was designed to ensure timely payment. 

On XX/XX/year>, I sent a certified letter disputing over {$1700.00} in newly added interest and fees and requested they be removed. At the time, my remaining balance was {$1000.00}, yet over {$1700.00} in interest was suddenly added. I attempted to resolve things with Synchrony 's customer service over the phone multiple times to no avail. Along with my certified letter, I sent a check for payment in full of the remaining balance and marked Payment toward principle balance only ''. It was received and endorsed by Synchrony on XX/XX/year>, prior to Synchrony informing me via email of my dispute denial on XX/XX/year>. On XX/XX/year>, I called Synchronys escalation line and was informed that my dispute had been denied ( the denial email had been sent to my spam ) and that interest and fees would continue to accrue. I followed up again with the company in a certified letter. 

I've attached supporting documentation, including my certified letters, proof of payment, the dispute denial email, and an addendum summarizing the phone call. I respectfully request that all interest and fees assessed to my account be waived immediately and that my account be properly reviewed.

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 2025-11-17 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: AL

Complaint narrative:
My consumer 's credit report from Experian, dated XX/XX/, contains numerous inaccurate, unverifiable, and legally non-compliant negative entries. These errors are causing significant financial detriment and misrepresenting the consumer 's creditworthiness. 
Specifically, the report includes multiple instances of late payment remarks across several accounts. These include : An account with a balance of {$1200.00}, updated XX/XX/, specifically marked as a " LATE PAYMENT. '' An account with a {$0.00} balance, updated XX/XX/, specifically marked as a " LATE PAYMENT. '' Another account with a balance of {$25000.00}, updated XX/XX/, also specifically marked as a " LATE PAYMENT. '' These late payment remarks are disputed based on billing error resolution and reporting inaccuracies, violating federal laws including 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) and ( D ), 15 U.S. Code 1666b, and 12 CFR 1026.13.

Additionally, a collection account is reported for an original creditor with a balance of {$360.00}, updated XX/XX/2025. The validity, accuracy, and proper reporting of this collection account are disputed, as its presence is in violation of consumer protection laws concerning debt collection practices and reporting. These violations specifically include 15 U.S. Code 1692c, 15 U.S. Code 1692g, and 15 U.S. Code 1681e ( b ). 
These combined negative entries on the Experian report misrepresent the consumer 's credit standing, making it difficult to access favorable lending terms and leading to increased financial burden. A formal demand letter was sent to Experian, explicitly citing these federal laws and demanding the immediate and permanent deletion of these inaccurate items within three business days. Experian 's failure to rectify these known errors constitutes a breach of its obligations under federal law and continues to cause substantial financial hardship.

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 2025-11-17 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: SC

Complaint narrative:
I am requesting that TransUnion fully investigate the accounts listed below and verify the accuracy and completeness of the information provided. If any information can not be verified with documentation, I request that it be removed from my report. 
INQUIRIES XXXXXXXX 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  Please verify that these inquiries are valid and authorized. If no proof exists to confirm this, I request the removal of these inquiries. 

LATE PAYMENTS 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  I request that TransUnion verify the late payment history for these accounts. If they can not provide supporting documentation, I request that these late payments be removed.

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 2025-11-17 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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: FL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in 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 non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: FL

Complaint narrative:
In XX/XX/XXXX I sent a timely written dispute and validation request under 15 U.S.C. 1692g for two alleged XXXX XXXX XXXXXXXX debts ( approximately {$38000.00} and {$390.00} ) being collected by LJ Ross Associates. 

LJ Ross Associates responded only with two final billing statements from XXXXXXXX XXXX XXXXXXXX. They provided : No signed service agreement or contract No itemized accounting showing how the balances were calculated from a XXXX balance No documentation proving assignment or authority to collect the debts from XXXXXXXX XXXX XXXX This response does not constitute proper validation under the FDCPA ( see XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) and similar cases ). 

Despite failing to validate, LJ Ross Associates continues to report both accounts to XXXX, XXXX, and XXXX, which also violates the FCRA. 

I am requesting that LJ Ross Associates be directed to immediately cease collection activity and delete both tradelines from all three credit reporting agencies.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: CHOICE CAPITAL FUND
State: CA

Complaint narrative:
Calling nonstop calling at XXXX. Calling from different numbers.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I have been trying to fix the problems that occurred from the identity theft last XXXX. I have mailed PayPal/synchrony the needed info twice and each time they say it could take up to 90 days and then the verdict ends up holding me accountable, even though I did not open this PayPal XXXX in my name. A previous resolution to actual charges on the account permanently locked the account but the fees for not paying off the balance that I didnt cause keep going up and its hurting my credit score. I get automated calls every day and its stressing me out. I just want to be done with all of this. The individual made the purchases virtually I believe but had the physical cards mailed to my home address ( I never used them ) they added names of authorized users to the PayPal account and even physical cards Im not sure how it isnt enough proof.

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 2025-11-17 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: TX

Complaint narrative:
The item reported is inconsistent with my established financial behavior. I respectfully request that it be reviewed and amended.

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 2025-11-17 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:
Confirm that disputed account deletions follow the mandated deadlines.

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