vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
INACCURATE ACCOUNTS. THIS ACCOUNT DOES NOT BELONGS TO ME.

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 2025-12-05 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 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 2025-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TransferWise Ltd

Complaint narrative:
Wise closed my company XXXX XXXX XXXX company account without any notice and did not provide any detail. 

There is a balance of {$5800.00} and I desperately needed these funds. Upon further queries and numerous calls the final correspondence is below. This was XX/XX/XXXX. I have not given them a deactivation procedure and no one replies now. How do I get my money back?

Weve decided to keep your account closed.

Now weve completed our checks, well send your refund to the account you indicated during the deactivation procedure.

Your refund should arrive within 2 - 5 business days. However, in some cases, it can take up to 10 business days.

Unfortunately, we cant tell you the specific reason why weve closed your account this is because of how were regulated as a financial institution. You can find out more about how were allowed to close accounts in our Customer Agreement with you ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Thanks, The Wise team

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 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: MS

Complaint narrative:
I am a victim of the recent data breach that has affected many individuals. Under 15 U.S.C. 1681c-2a, I am requesting that the account mentioned on my credit report that is associated with this breach be blocked and deleted

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 2025-12-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: American Finance LLC
State: DE

Complaint narrative:
When I finance the truck with American Finance I was advised that I bought a warranty through the finance company. After my truck was placed in the shop 4 times for the same issue I was advised that I would have to get another loan for maintenance to get it fixed at XXXX %. I contacted the lender advising I couldnt afford that and they stated they couldnt do anything if I didnt wan na take out the second loan I advised to pick up. Because I couldnt afford to fix it with the income they originally approved me on. income. They sent me an explanation of calculations on XX/XX/year> my ending balance per their letter was XXXX. They closed and charged off the account, but every month they are adding more money to now they are saying I owe XXXX. When the original price was only XXXX and XXXX with financing. This is dishonest and predatory lending. This is causing harm to credit with them reporting delinquent amounts monthly. If its closed and charged off how are they able to continue this. It needs to be investigated

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: VA

Complaint narrative:
Subject : Complaint Against LexisNexis for Failure to Provide Consumer Report and Invalid PINs To Whom It May Concern, I am submitting this formal complaint regarding LexisNexis Risk Solutions and their repeated failure to provide me with my legally required consumer disclosure report under the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/year>, LexisNexis mailed me a letter containing a one-time URL and PIN to access my consumer file. I attempted to access the report immediately using the PIN provided in the letter ( XXXX ) and repeatedly received an error message stating : We were not able to validate that PIN please try again. 

I contacted LexisNexis and was issued a second PIN ( XXXX ). I attempted to use the second PIN as instructed, and once again received the same validation error. Screenshots are attached showing both failed attempts. 

Despite following all instructions accurately, completing CAPTCHA verification, and attempting access multiple times, LexisNexis has refused to provide me with my consumer report. Their system continues to generate invalid PINs, preventing me from accessing my legally mandated information. 

LexisNexis refusal or failure to furnish my consumer file violates my rights under : FCRA 609 ( 15 U.S.C. 1681g ) Right to full consumer file disclosure FCRA 610 ( 15 U.S.C. 1681h ) Requirements for proper identification and disclosure FCRA 611 ( 15 U.S.C. 1681i ) Duty to address disputes and errors This denial restricts my ability to : Review the accuracy of my personal data Identify potential fraud Correct inaccurate information Understand what information LexisNexis is sharing with third parties, including banks, insurers, employers, and government agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 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:
I have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it from my credit report

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 2025-12-05 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: NV

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 2025-12-05 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Carter-Young, Inc.
State: MN

Complaint narrative:
Please provide proof of my conscent to a new lease agreement as cosigner after 2021 lease ended. 

I did not agree to be a cosigner after the 2021 lease ended. 

who gave XXXX permission to use me as cosigner after 2021 lease ended? 
please furnish proof of the conscent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-12-05 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: TX

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
Since at least 2023 I have repeatedly asked Freedom Mortgage for a complete copy of my executed loan documents for my VA refinance, including a fully executed contract, Closing Disclosure, and full closing package. Despite even paying a fee for document copies, they only sent partial documents with no lender/counterparty signature and have never provided the full file or required TILA/RESPA disclosures. More seriously, several of my prior messages sent through their secure borrower portal requesting these documents have now disappeared and appear to have been deleted or removed, which raises serious concerns about recordkeeping and transparency. Freedom Mortgage has also failed to provide escrow analyses, fee histories, and insurance/tax disbursement records necessary to verify that I am being charged correctly. I am asking the CFPB to require Freedom Mortgage to ( 1 ) produce the complete loan origination and servicing file ( including all portal messages and any deleted communications ), ( 2 ) correct any servicing errors and improper charges, and ( 3 ) provide a clear written explanation of how they have complied with their obligations under RESPA, TILA, and CFPB servicing rules.

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 2025-12-05 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: CA

Complaint narrative:
I am a victim of identity theft, and multiple fraudulent accounts, inquiries, and incorrect personal identifiers are being reported on my consumer credit files. These items were opened when I was a minor, making them legally invalid. My true date of birth is XX/XX/XXXX. 

I have never used or been known by the name XXXX. I have never lived at the following addresses, yet they appear on my reports : XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX Despite notifying the credit reporting agencies, they continue to publish false and damaging information about me, causing ongoing harm. 

Fraudulent Accounts ( Opened While I Was a Minor ) 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 XXXXXX/XX/XXXX XXXX have submitted : Government ID Proof of Address FTC Identity Theft Affidavit XXXX  Police Report Under the Fair Credit Reporting Act ( FCRA ) 605B, the CRAs must block identity theft items within 4 business days once proper documentation is supplied. They have failed to comply, and the fraudulent data remains.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am extremely frustrated because inaccurate late payments are still showing on my credit report this morning, and I have no idea why. These inaccurate late payments did not disappear even after I refreshed my browser. Because of this situation, I am urgently asking that the documents I sent be reviewed carefully so I can finally stop stressing over this.

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 2025-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Security Credit Services, LLC
State: CA

Complaint narrative:
Dear CFPB Team, Security Credit Services is illegally reporting an account ( XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Prior Owner : Security Credit Services XXXX ) that was sold to XXXX XXXX XXXX on XX/XX/year>. XXXX is not reporting, and Security Credit Services refuses to stop reporting, which is a direct violation of 15 U.S.C. 1681s-2 ( b ). 

This inaccurate reporting is harming my credit. I demand immediate removal of this account from my credit report. Failure to comply will result in formal FCRA legal action, including damages and attorney fees. 

Take action immediately. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: IL

Complaint narrative:
XXXX Additional Information Update due to unauthorized information arriving to my home on a new fraudulent account. We had an extremely long recording with Discover on both accounts along with Discover 's management team admitting that Discover opened accounts fraudulently beyond their allotted 45 day provisional credit guidelines per their false 0 % fraud liability statements. While XXXX was on an authorized recorded call through 9 phone transfers, numerous " XXXX '' transfers where XXXX asked numerous times why that would even happen. Our call lasted for almost XXXX hours where numerous department supervisors started that credits were approved and issued as fraud with no complaints or objections, then recharged with no explanation. Fraud disputes removed, and then tagged as Past Due once DiscoveXXXX themselves created fraudulent accounts not authorized by me. They even confirmed in the recording with XXXX on both accounts credit card accounts had the incorrect phone number and incorrect email addresses, previous security code had been changed, and verification codes were never sent to me. One was mentioned that they got a verification approval from phone number XXXX. It was also noted that a number of these purchases were made by an XXXX XXXX XXXX or a click and pay. All in which we explained was not possible since I have never owed any of these items. We have let XXXX know that we will be getting a subpoena for the almost XXXX hour recorded conversation, which ended when Discover hung up on the XXXX representative because she stated that " I've probably given you way more information than I should. '' This company needs stopped with taking money from victims. This is horrible, and I am grateful that XXXX XXXX XXXXXXXX restoration specialists was able to hear exactly what we go through every time we have attempted to resolve anything. No wonder we have lost our existence. They aren't even using my phone number or my email address to communicate anything with the actual XXXX XXXX. XXXX gave us instructions on how to get a copy of this recorded conversation. She was shocked and highly frustrated with Discover and their practices. We will pass this along to XXXX once we have our ordered subpoena.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 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: TX

Complaint narrative:
I am filing a complaint because XXXX XXXX XXXX XXXX and XXXX are reporting multiple inaccuracies on my auto loan tradeline, and despite my dispute, XXXX verified information that is clearly false, inconsistent, and unverifiable. This violates FCRA 602, 607, 611, and 623.

The errors include : 1. False payment reporting. Experian shows a payment made on XX/XX/XXXX, but I did not make any payment on that date. 
XXXX. Reporting late payments after charge-off and repossession. The payment grid shows XXXX, XXXX, XXXX, and CO marks after the account was already charged off, which is not legally possible. 
XXXX. Conflicting and inaccurate balance update dates, including updated XX/XX/XXXX and updated XX/XX/XXXX, which are future dates. 
XXXX. Multiple invalid date entries in the internal comments section, indicating corrupted and unverifiable data. 
XXXX. Inconsistent delinquency reporting across XXXX XXXX XXXX TransUnion, showing different statuses and timelines, which proves the furnisher can not verify the accuracy. 
XXXX. Payment history that contradicts itself, including repeating lates, duplicate months, and status changes that can not occur on a closed account. 
XXXX. Incomplete investigationExperian simply regurgitated the furnishers response instead of conducting a meaningful reinvestigation as required by FCRA 611 ( a ).

These issues make the entire account inaccurate, incomplete, and unverifiable. Under the FCRA, if information can not be verified, it MUST be deleted.

( 15 USC 1681i ( a ) ( 5 ) ( A ) )

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 2025-12-05 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: U.S. BANCORP
State: IL

Complaint narrative:
U.S. Bank has incorrectly reported multiple late mortgage payments for XXXX, XXXX, XXXX, and XX/XX/year>. These late payments were reported during a period when no payments were due because I was placed in an official forbearance and then a loan modification program. 

I was approved for a forbearance plan beginning XX/XX/year>, during which my monthly payment obligation was suspended. After this, I was placed into a XXXX XXXX XXXX XXXX trial plan for XXXX 2025. Under both programs, no payments were required and federal rules prohibit reporting delinquency during these periods. 

Despite this, U.S. Bank reported these months as delinquent. Their own correspondence confirms : The XXXX delinquency needed to be suppressed. 
The account was in a trial modification from XXXX through XX/XX/year>. 
The account was brought current once the modification finalized in XX/XX/year>. 

Even with this acknowledgement, U.S. Bank refuses to remove the late reporting for XXXXXXXX XXXX. These delinquencies are inaccurate, misleading, and violate the Fair Credit Reporting Act and CARES Act, because payments were not due at the time.

This inaccurate reporting has significantly harmed my credit, made it difficult to obtain financing, and created unnecessary financial hardship. I am requesting that CFPB require U.S. Bank to correct the credit reporting for these months and remove the inaccurate late payments.

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 2025-12-05 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: TX

Complaint narrative:
I am very upset to see that inaccurate late payments continue to show up on my credit report, and I do not understand why this is happening. They were still there even after I refreshed my browser, so I am urgently requesting that the documents I provided be examined fully so I can stop dealing with this ongoing worry.

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