vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-29 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: WI

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 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 2025-09-29 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: MD

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-09-29 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: MD

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
On XXXX XX/XX/year> I repeatedly failed to log into the Transunion Website using XXXX XXXX  ( current version ) and XXXX XXXX  ( current version ). I contacted their text messaging service and received several suggestions which failed to remedy the problem. I placed a phone call to them, spoke to a human being, and was helped with my main concern, which was to confirm that my credit file was frozen. This is the second time this year that I have failed to log into their website for the purposes of altering my freeze. The website hangs up, fails to properly load, and when it does load it does not respond to my login credentials. I have tried " logging in by other methods '' to include my phone number and when I select " send a text message '' or " send an email '' the website does not respond. My research reveals that I'm not the only person who experiences these issues. It seems to me that, given my web browser has XXXX problems logging into the hundreds of other websites I have accounts/logins with, to include XXXX  and XXXX, the problem is resident in the Transunion website/XXXX  XXXX If I'm the only person who has complained about this issue, then you can just write it off as some crank that doesn't know how to use a computer. Otherwise, someone needs to crack these knuckleheads to get them to update/improve their on-line services to something that provides users with a consistent ability to access their credit information for the purposes of freezing or unfreezing their credit file. This is especially egregious, in my opinion, because this company holds personal/private information that controls access to my credit information, and has the potential to negatively impact my enjoyment of a great credit score for the purposes of applying for a loan. This company manifestly does not care enough about its responsibilities to consumers but rather cavalierly maintains a poorly crafted product which, I'm sure, would work better if I paid them to have an account. Surely someone with authority to oversee this company could suggest that they get their act together or face some sort of sanction. Just saying.

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 2025-09-29 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: NC

Complaint narrative:
I am formally disputing the accuracy of the following account ( s ) on my credit report, as allowed under 15 U.S.C. 1681i : XXXX - XXXX - Account not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Account not mine

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 2025-09-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
This is the deed they sold the property under at the foreclosure sale. The information is false. This is not community property owned by XXXX and XXXX XXXX. We are not married and the property was awarded to XXXX XXXX in the divorce under the special warranty deed and also the quit claim deed. Her name was changed to XXXX XXXX via marriage and the mortgage company was made aware. The appraisal district shows the correct owner of the property at the time of the sale, XXXX XXXX. Also, the amount owed was incorrect. These are the original documents from when the home was purchased in 2005. This information is incorrect and outdated, which looks like fraud in an attempt to rush and sell the property. It should not have been transferred to XXXX XXXX  with incorrect information and Im asking that the sale be rescinded. Everyone who signed off on this sale did not do due diligence, and Im facing eviction from someone who shouldnt even have ownership of the property.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
In XXXX of XXXX, I contacted Capital One regarding my credit card account because my account was past due, because I had been out of work for a little over a year. 

I signed up for a XXXX month payment plan from XX/XX/XXXX through XX/XX/XXXX, XXXX and was required to pay {$350.00} per month. The due date for these payments were due on my actual monthly payment date. 

I was told by the representative that the interest would stop for those 3 months as long as I continued to make my payments on time, and they wouldn't report my account as being late with the credit bureaus. However, when I checked my account I noticed that I was still accruing interests, and after every on-time payment, I was still charged a late fee of {$40.00} even when I paid the account on time! For example, I made a payment on XX/XX/XXXX of {$350.00} and charged a late fee on XX/XX/XXXX for {$40.00}, I made a payment on XX/XX/XXXX of {$350.00}, and it posted on XX/XX/XXXX, and was charged a late fee of {$40.00}. 

I called Capital One on XX/XX/XXXX to requests a refund for the late fees and the interest charges. The representative stated that he could only refund me for the XXXX late fee of {$40.00} as a one time courtesy, which they refunded on XX/XX/XXXX. Even though I have adhered to the agreement, Capital One did not by charging late fees, interests, and still posting my account as being delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: NC

Complaint narrative:
i filed ID theft police report, a XXXX card is reporting as a charge off on my credit report, and its not mines. the balance is XXXX XXXX All XXXX bureaus took it off my report before, but placed it back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 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: NC

Complaint narrative:
i filed ID theft police report, a XXXX card is reporting as a charge off on my credit report, and its not mines. the balance is XXXX XXXX All XXXX bureaus took it off my report before, but placed it back.

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 2025-09-29 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

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 2025-09-29 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: NC

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am submitting this complaint regarding inaccurate late payment information that has been reported on my credit file. The creditor XXXX XXXX has reported late payments on my account XXXX and XXXX to the credit bureaus. 

I am disputing these late payment entries as they are either : Inaccurate, Unverified, or Misreported.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I have the right to dispute incomplete or inaccurate information, and the furnisher of this information must investigate and provide proof of accuracy. If the creditor can not produce verifiable documentation proving that the reported late payments are correct and in compliance with FCRA reporting requirements, these entries must be removed immediately from my credit report.

The inaccurate reporting is negatively affecting my creditworthiness and financial opportunities. I respectfully request that the CFPB investigate this matter and ensure that the creditor provides validation. If they can not, the late payments should be deleted from all three major credit reporting agencies.

I have attached copies of my credit report highlighting the disputed late payments, along with supporting documentation for your review.

Thank you for your time and assistance. I look forward to your response and resolution of this matter.

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 2025-09-29 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: GA

Complaint narrative:
I am submitting this complaint regarding inaccurate late payment information that has been reported on my credit file. The creditor XXXX XXXX has reported late payments on my account XXXX and XXXX to the credit bureaus. 

I am disputing these late payment entries as they are either : Inaccurate, Unverified, or Misreported.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I have the right to dispute incomplete or inaccurate information, and the furnisher of this information must investigate and provide proof of accuracy. If the creditor can not produce verifiable documentation proving that the reported late payments are correct and in compliance with FCRA reporting requirements, these entries must be removed immediately from my credit report.

The inaccurate reporting is negatively affecting my creditworthiness and financial opportunities. I respectfully request that the CFPB investigate this matter and ensure that the creditor provides validation. If they can not, the late payments should be deleted from all three major credit reporting agencies.

I have attached copies of my credit report highlighting the disputed late payments, along with supporting documentation for your review.

Thank you for your time and assistance. I look forward to your response and resolution of this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 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: CA

Complaint narrative:
Im beyond frustrated with the continued presence of false, damaging information on my Equifax credit report. These aren't minor oversights or accidental typosthey are substantial and harmful misrepresentations that continue to sabotage my financial progress and personal stability. Ive gone through the formal dispute process in good faith, hoping the issues would be corrected responsibly, only to be met with silence and negligence. The failure to properly investigate and resolve these errors has left me feeling ignored, disrespected, and financially punished for mistakes I did not make. As a consumer, I have a legal right under the Fair Credit Reporting Act to a credit file that is completely accurate and substantiated by real, verifiable documentation. It is not my job to chase down proofIve done my part. 
If Equifax can not produce direct and unquestionable evidence to support the continued reporting of these entries, then it is obligated by federal law to delete them immediately. This isnt a requestits a demand for compliance. If you continue to ignore my concerns, I will treat this as a willful violation of my rights and take further action to hold you accountable. My creditworthiness is not something I take lightly, and you should not either.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
My account was closed around the end of XXXX. I had a balance in the account which I have not received because I was told its being held for further investigation and claims. How much longer can they do that for because they cant hold my money forever. This is ridiculous.

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 2025-09-29 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: TX

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 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 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 2025-09-29 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year>, Balance : {$33000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing a complaint against Experian and Equifax for failure to comply with the Fair Credit Reporting Act ( FCRA ). I disputed the reporting of accounts from XXXX and XXXX XXXX XXXX XXXX which contain unverifiable and false information. When I requested validation, the furnishers themselves could not validate ownership, the original default date, or any supporting documentation. 

Despite this, Experian and Equifax verified the accounts and continued reporting inaccurate information. This is a direct violation of FCRA 611 ( 15 U.S.C. 1681i ), which requires a reasonable reinvestigation, and FCRA 623 ( a ) ( 1 ) ( A ), which prohibits reporting information known to be inaccurate. Additionally, the accounts have been unlawfully re-aged in violation of FCRA 605 ( c ). 

I previously filed CFPB Complaint # XXXX against the furnishers, and I have provided Experian with evidence that XXXX  has already closed and deleted these accounts following its own investigation. Experians refusal to correct or delete these unverifiable accounts demonstrates willful noncompliance. 

I am demanding that Experian and Equifax immediately delete the XXXX  and XXXX XXXX XXXX XXXX XXXX provide written confirmation, and that appropriate enforcement action and penalties be pursued for their repeated violations.

Company response to consumer: Closed with explanation