vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. ( NAME OF THE COMPANY ) This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency ( NAME OF THE COMPANY ) name liable for damages of at least {XXXX} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. CXXXXe XXXXb - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. CXXXXe XXXXe - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. CXXXXe XXXXi ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- XXXX XXXX promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and XXXX  ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the 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 explanation
Consumer complaint received 2025-06-25 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: IL

Complaint narrative:
I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity. According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on my credit report. 

Attached are documents supporting my claim, including a copy of my credit report with the disputed account highlighted, and proof of identity. Remove these fraudulent accounts and inquiries now. " I DO NOT CONSENT FOR A FRAUD ALERT TO BE PUT ON MY CREDIT REPORTS ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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:
Transunion keeps reporting a fraudulent account after I repeatedly ask them to remove it. This is an account with XXXX back. I have never opened an account with them and also provided an identity theft report from the FTC. Also, this information was provided to credit card company also. The item in question was never researched because they believed the request for dispute did not come for me. I emailed, called, sent typed and written requests multiple times about this issue. I also provided proof of my identity. Upon speaking with XXXX I found out the account was opened at an address that I have not lived at for years. This is affecting my credit and my identity. Transunion has been said to not accurately research disputes. I am making a formal request to have them removed this account from my bureau.

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 2025-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CapitalJ Inc. dba Juno
State: WA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I understand that the CFPB has filed a statement of interest in the Synapse bankruptcy case, indicating their belief that Synapse may have violated the Consumer Financial Protection Act. I am writing to provide a personal statement regarding the financial and emotional harm I have experienced as a result of the account disruptions tied to XXXX XXXX XXXX and its associated partner banks and fintech platforms. 

* * My Background * * I was a customer of XXXX XXXX XXXX XXXX XXXX  which used XXXX XXXX XXXX  to facilitate banking services. My account was held at XXXXXXXX XXXX XXXX XXXX and was frozen on or around XX/XX/year>, without warning. 

* * The Harm I Suffered * * When my account was frozen, I had ~ {$3500.00} in the account. Since then, I have recovered {$0.00}, leaving + {$3000.00} still inaccessible over a year later. 

This interruption has caused me significant hardship. Specifically : * I nearly missed rent payments * it was very difficult for me to come up with car payments * I experienced severe anxiety and distress due to the sudden loss of access to my savings. 

I am not a venture capitalist or an institutional investorI am a retail consumer who trusted a financial product that was marketed as safe and FDIC-insured. No one should lose access to their legally deposited money because of behind-the-scenes failures between banks and middleware providers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: PLANET HOME LENDING, LLC
State: MI

Complaint narrative:
Planet home lending reached out to me about refinancing my FHA for a cheaper payment. After starting the process I was advised not to make my XXXX payment because I would need it at the closing. No one mentioned my closing date would be pushed till XXXX and that I would then need to make my XXXX payment. I was advised on XX/XX/XXXX to make the payment to continue and close on XX/XX/XXXX. Myself and my husband took the morning of XX/XX/XXXX off for this closing and no one ever showed up or notified me until the next day, after many attempts to get ahold of them, that my closing was canceled due to a non payment in XXXX. They have now denied my application and told me to wait 6 months to reapply. On top of that because I was told to keep my XXXX payment for the closing my account is showing late with late fees applied. They will not answer my emails

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: FL

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

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the re
sult of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$790.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$320.00} XXXX XXXX XXXXXXXX - Account Number XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4600.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$50.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

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 2025-06-25 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: NJ

Complaint narrative:
XX/XX/year> Experian Dispute Department XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : Credit Report Dispute Packet Submission To Whom It May Concern, Enclosed are formal dispute letters challenging multiple inaccurate, incomplete, or unverifiable items listed on my Experian credit report. I request that each item be fully investigated, validated, or permanently deleted if verification is not possible.

Per the Fair Credit Reporting Act ( FCRA ), I expect these disputes to be resolved within the required 30-day period. Please provide confirmation of receipt and the results of your investigation in writing. 

Thank you for your time and prompt attention to this matter. 

Sincerely, 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 2025-06-25 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: ME

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-06-25 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: MS

Complaint narrative:
I am writing to dispute several items on my Experian credit report dated XX/XX/year>, which contain inaccurate, incomplete, and unverified information. In accordance with the Fair Credit Reporting Act ( FCRA ), I am formally requesting a full reinvestigation and immediate correction or deletion of the following accounts and inquiries.

You are required by law under : 15 U.S.C. 1681e ( b ) To follow reasonable procedures to ensure maximum possible accuracy 15 U.S.C. 1681i ( a ) To conduct a reasonable reinvestigation of disputed information 15 U.S.C. 1681d ( a ) To uphold procedural protections for file disclosures 15 U.S.C. 1681n & 1681o To be held liable for willful and negligent violations Additionally, on XX/XX/year>, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against Experian citing repeated violations related to consumer disputes, inaccurate credit reporting, and failure to maintain proper dispute procedures. This action only reinforces my concerns about the reporting errors

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Dear Sir/Madam, I am writing to formally lodge a complaint against Equifax for failing to update my new address and delete my old address, despite my repeated requests. This failure to act is a violation of my privacy rights and has caused me significant concern.

I believe that Equifax 's inaction is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under Section 605A, which pertains to the protection of consumer privacy. I am requesting the CFPB to investigate this matter and take appropriate action to ensure that Equifax complies with my request to update my new address and delete the old address from their records. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am filing this complaint against TransUnion for failing to provide valid verification or evidence regarding multiple items Ive disputed multiple times. 

The following accounts were disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Two separate accounts reporting late payments. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion responded to my disputes with generic templates, claiming the information was verified as accurate without providing any of the documentation I lawfully requested. This includes : No original signed contracts No account-level billing statements No proof of authorization to report this information No actual verification from the furnishers involved I have submitted three formal disputes by certified mail and one previous CFPB complaint, to which they still have not provided a lawful or reasonable response. 

This is now my fourth attempt, and I must emphasize that TransUnion is violating my rights under the Fair Credit Reporting Act ( FCRA ) by continuing to report unverifiable and inaccurate data after failing to investigate properly.

Their investigation does not meet the standards of a reasonable reinvestigation under FCRA Section 611, especially when no proof has been provided to support the continued reporting.

I am formally demanding the permanent deletion of all disputed items from my credit report due to : Lack of valid verification Violation of my consumer rights Failure to comply with previous dispute requests Please investigate this matter immediately and compel TransUnion to remove these entries if they can not legally verify the accounts.

Attachments : Copies of past dispute attempts MY ID AND BILL

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 2025-06-25 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft a
nd fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX  XXXX ACCOUNTS : XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX, Balance : {$12000.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: SC

Complaint narrative:
I am requesting your assistance in initiating an investigation into these accounts, as they are being inaccurately reported on my credit file. In accordance with USC 1681g, I formally ask that they be removed within 15 days. I have attached the necessary documents for your review. Moreover, the account information reported across the credit bureaus is inconsistent and contains discrepancies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Incorrect Address - XXXX OLD XXXX XXXX, XXXX, SC, XXXX Incorrect Address - XXXX XXXX XXXXXXXX, XXXX, SC, XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 2025-06-25 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ACCOUNTS : XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$830.00} XXXX XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$720.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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:
TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXXXXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$430.00} XXXX - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$700.00}

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