vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-04 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: AL

Complaint narrative:
I am filing this complaint because [ Experian / Equifax XXXX TransUnion ] has violated the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Despite my written disputes, the bureau failed to conduct a reasonable reinvestigation within 30 days, continued reporting inaccurate accounts, and failed to provide written results. These actions violate 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 5 ), 1681i ( a ) ( 6 ), and 1681e ( b ). Courts have consistently ruled that such conduct is unlawfulXXXX XXXX TransUnion, XXXX ( XXXX XXXX. XXXX ) confirmed all objectively verifiable inaccuracies must be corrected ; Dept. of Agriculture XXXX XXXX ( XXXX XXXX ) held no entity is immune from FCRA liability ; and XXXX XXXX TransUnion, LLC ( XXXX. XXXX XXXX ) resulted in a {$23.00} XXXX settlement for failing to investigate disputes and allowing inaccuracies to remain. 

Accounts to Be Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Bankruptcy XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: PA

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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:
Im not connected to these accounts ; they should be deleted within 15 days as required by USC 1681g.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Selene Holdings LLC
State: FL

Complaint narrative:
I am submitting another formal complaint against my mortgage servicer, Selene Finance, regarding an incomplete escrow analysis and Selenes ongoing failure to provide required information and assistance. 

Property/Account Information Borrower : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ct, XXXX XXXX XXXX FL XXXX XXXX XXXX : XXXX Servicer : Selene Finance Issue Summary On XX/XX/2025, Selene Finance provided an escrow analysis for the upcoming tax year. In the county tax section, the analysis does not include the property taxes. As a result, the analysis is incomplete and unusable for planning and funding my escrow for the XXXX tax cycle. 

Since XXXX, I have made repeated phone calls to Selene Finance requesting : the exact county tax amount Selene intends to pay from escrow for this property ; and clear instructions on where and how to deposit the necessary funds into escrow so it is not short. 

Each time I call, I am told Selene does not have answers to my questions. Representatives have been unhelpful and focus instead on asking when I will make my next mortgage paymentdespite my record of never having a single late payment. EVER. I am trying to proactively fund escrow so I am prepared and paid BEFORE XX/XX/XXXX to obtain the 4 % early-payment discount available in my county, and Selenes non-responsiveness is preventing me from doing so. 

Requested Resolution I request that the CFPB require Selene Finance to : Immediately issue a corrected escrow analysis that includes the accurate county property tax amount for my property. 

Provide, in writing, the exact dollar amount I must deposit to fully fund escrow for the upcoming tax payment. 

Confirm in writing payment will be made for taxes by XX/XX/2025 Provide clear deposit instructions ( account/routing or portal steps ) and confirm how those funds will be credited to my escrow for tax purpouses. 

Confirm ASAP that Selene will remit the county tax payment so that I am not deprived of the 4 % discount by paying full in the month of XXXX. 

Improve customer service responsiveness on my account and document all communications in writing. Actually review their recorded calls and train their employees. 

Background/Good-Faith Efforts I have called Selene multiple times since XXXX seeking the above details. 

I remain current on all payments and have no late-payment history with Selene so there is no need to constantly harass me and ignore my request for help when i speak to a live person. 

I am ready and willing to deposit whatever amount is required to ensure timely and accurate payment of my property taxes. 

Please let me know if you need copies of the XX/XX/2025 escrow analysis or call logs. I authorize you to share this complaint with Selene Finance and to obtain any account records necessary to resolve the issue. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: LA

Complaint narrative:
i have reviewed my credit report and found these unverified items. 
please remove, update or correct these items.

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 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I need all credit bureaus to update my personal information to reflect : 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 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I need all credit bureaus to update my personal information to reflect : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: OH

Complaint narrative:
On XX/XX/year> my mother sent {$25.00} to my cashapp. I get home and I get a notification that someone with the same last name that somehow got {$20.00} from me before requesting money for {$20.00}. I declined the request and block the user. Minutes later that same person requested {$20.00} again. I decline it, go to move my money into my savings so it wouldnt pull to pay and it said I was offline I try to lock my card, said the same thing, then I tried to contact cashapp support through the app and it logged me out saying my account was deactivated. I called their number they said they can see my account but nothing is on there. My mom tried to call and got nowhere. We have called them maybe XXXX times since the XXXX and they keep saying there XXXX will contact us via email and neither of us received an email. And now they cant find my account anywhere. Refusing to refund my mother back the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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:
These accounts are being reported under my name without my authorization or awareness, and I have never authorized or managed them. This is completely unacceptable, as it presents inaccurate and misleading information about my financial history. I take my credit profile very seriously, and seeing these unauthorized accounts has caused me significant concern.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: NC

Complaint narrative:
I am disputing a collection account reported by XXXX XXXX XXXX on my TransUnion credit report with a reported balance of {$1000.00}. 

The company previously responded that they verified the debt with the original creditor. However, no proper validation was provided as required under the Fair Debt Collection Practices Act ( FDCPA 809 ( b ) ). Simply restating or internally confirming a debt is not sufficient validation under federal law.

To date, I have not received : 1. A signed contract or lease agreement with my signature. 
XXXX. A full payment history or detailed accounting of the alleged balance. 
XXXX. Proof of authorization for XXXX XXXX XXXX to collect this debt. 

Because they have failed to validate the alleged debt, continued reporting to TransUnion or any credit bureau constitutes a violation of the Fair Credit Reporting Act ( FCRA 1681s-2 ) and the FDCPA 809 ( b ). 

I am requesting immediate deletion of this account from my credit reports and written confirmation of the deletion.

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 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hello, I recently looked at my credit report and I noticed errors with my personal information : This is the ONLY personal information that should be reported on my credit report Please update my name to : XXXX XXXX Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Date of Birth : XX/XX/year> SS # : XXXX As far as I know by the laws and regulations, any and all others are inaccurate and outdated information must be deleted immediately from my consumer report as they are not reportable as per the FCRA since they are inaccurate only name and address that should be reported on my consumer profile are the ones listed above and in the documents attached to this letter. Again, anything else should be deleted ASAP from my credit file. 

Please Delete immediately! this items listed below as it is inaccurate and mistakes such as these can cost me thousands of dollars in interest a year! 

Here are the items that I need to have fully verified as being 100 % accurate and delete 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 2025-11-04 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: MD

Complaint narrative:
I recently reviewed my credit report and discovered multiple accounts and inquiries that I did not authorize or recognize. I never gave written instructions or permission for these entities to access or report information on my credit file. This is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681 and 1681b.

These accounts were added without my knowledge or consent, and I believe they are connected to identity theft. Ive already submitted an FTC Identity Theft Report ( Report # XXXX ), which confirms that XXXX a victim of identity theft. Despite this, the credit reporting agencies have continued to report these fraudulent items, which is unfair, harmful, and illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2025-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: IL

Complaint narrative:
I am disputing an inaccurate collection account reported by NATLCRSYS ( Acct # XXXX, {$300.00} ). I have been disputing this account for well over 6090 days and have received no verification, no documentation, and no lawful reinvestigation from the furnisher or any credit bureau. 
I requested full verification and validation including the original creditor contract, complete payment history, proof of assignment/ownership, billing statements, and the method of verification relied upon ( per FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) ). I also requested any collection validation letters required under the FDCPA 809 ( a ). None of this has been produced.

Why this is illegal/ laws violated : Failure to reinvestigate and verify : FCRA 1681i & 1681s-2 ( b ).

Furnisher duty to provide accurate information : FCRA 1681e ( b ).

Failure to provide debt validation : FDCPA 809 ( a ) and false reporting under FDCPA 807 ( 8 ).

Metro 2 reporting standards require accurate status and documentation ; this file violates Metro 2 accuracy and status rules.

Continued reporting of unverifiable data constitutes willful and negligent violations under 15 U.S.C. 1681n & 1681o.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: IL

Complaint narrative:
I am filing this complaint because [ Experian / XXXX XXXX XXXX  ] has violated the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Despite my written disputes, the bureau failed to conduct a reasonable reinvestigation within 30 days, continued reporting inaccurate accounts, and failed to provide written results. These actions violate 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 5 ), 1681i ( a ) ( 6 ), and 1681e ( b ). Courts have consistently ruled that such conduct is unlawfulSessa v. TransUnion, XXXX ( XXXX XXXX. XXXX ) confirmed all objectively verifiable inaccuracies must be corrected ; XXXX. of Agriculture XXXX XXXX ( XXXX XXXX ) held no entity is immune from FCRA liability ; and XXXX XXXX TransUnion, XXXX ( XXXX. XXXX XXXX ) resulted in a {$23.00} XXXX settlement for failing to investigate disputes and allowing inaccuracies to remain. 

Accounts to Be Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX * * * * 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 2025-11-04 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: NY

Complaint narrative:
I am submitting this complaint because Experian is reporting charged-off accounts and an unauthorized inquiry that I dispute as inaccurate or unverifiable. 
Under the Fair Credit Reporting Act ( FCRA ), Experian must ensure that all data reported is accurate, complete, and verified. 
The accounts below have not been sufficiently validated and XXXX be reported in error. 
I am requesting that Experian conduct a full reinvestigation and delete or correct any item that can not be verified through original documentation. 

Accounts in Dispute ( Charged-Off ) : XXXX XXXX Account XXXX. XXXX, Reported XX/XX/XXXX, XXXX {$0.00} XXXX XXXX Account XXXX. XXXX, Reported XX/XX/XXXX, XXXX {$60.00} XXXX Account XXXX. XXXX, Reported XX/XX/XXXX, XXXX {$2300.00} Each of these accounts must be verified with proper supporting evidence from the data furnishers. 
If Experian can not verify them within the required time frame, I request immediate deletion. 

XXXX in Dispute : XXXX XX/XX/XXXX This inquiry was not authorized. Please remove it unless Experian can prove it was made with my consent and for a permissible purpose.

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 2025-11-04 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:
Its really frustrating that those inaccurate accounts are still showing on my credit report. I have been waiting and hoping for them to be removed, but nothing has changed. Please, I need someone to go over the documents I sent and fix this completely so I can finally have peace of mind.

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 2025-11-04 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: CA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: NV

Complaint narrative:
I am requesting that the CFPB investigate and ensure these items are corrected or removed in accordance with the Fair Credit Reporting Act ( FCRA ). 
Disputed Account None listed for dispute. 

Disputed Inquiry JPMCB CARD Inquiry dated XX/XX/year> I did not authorize this hard inquiry, and I do not recall applying for any credit with XXXX Card on or around this date. I am requesting that Experian provide proof of authorization for this inquiry. If it can not be verified, it should be removed as an unauthorized inquiry.

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