vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-03 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: FL

Complaint narrative:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me.

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report.

Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within four business days. ON These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent information.

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 2025-09-03 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: PA

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-09-03 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-09-03 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: NY

Complaint narrative:
I have requested a reinvestigation of my credit profile since the information reported was inaccurate, and therefore violates my consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, and the Fair Credit Billing Act, 15 U.S.C. 1666. These errors on my credit profile prevent me from getting funding for my livelihood.

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 2025-09-03 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: NY

Complaint narrative:
I have requested a reinvestigation of my credit profile since the information reported was inaccurate, and therefore violates my consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, and the Fair Credit Billing Act, 15 U.S.C. 1666. These errors on my credit profile prevent me from getting funding for my livelihood.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 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: CA

Complaint narrative:
XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX Washington , DC XXXX and TransUnion Consumer Solutions XXXXXXXX XXXXXXXX XXXX XXXX, PA XXXX Re : Failure to Conduct Reasonable Investigation FCRA Violation ( Comenity Bank Account ) To Whom It May Concern, I am submitting this complaint regarding TransUnions failure to conduct a proper investigation into inaccurate reporting on my credit file, in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). 

Background The account in question is a XXXXXXXX XXXX account related to an XXXXXXXX XXXX Rewards Card. 

TransUnion continues to report this account as closed in XX/XX/XXXX. 

This reporting is inaccurate and misleading. 


Proof of Inaccuracy I have bank/payment records showing that XXXXXXXX XXXX was still accepting and processing monthly payments of {$60.00} in XX/XX/XXXX, after the date TransUnionXXXX XXXX claims the account was closed. 

If an account was truly closed in XXXX, no payments would have been accepted after closure. 

These payments are not being reflected on my credit report, which materially misrepresents my account history and damages my creditworthiness. 


Violation of FCRA Under the FCRA, TransUnion is required to : 1. Conduct a reasonable investigation into disputed items ( 1681i ). 


2. Correct or delete inaccurate information ( 1681e ( b ) ). 


3. Provide a description of the method of verification, including the party contacted, upon request ( 1681i ( a ) ( 6 ) ( B ) ( iii ) ). 



TransUnion has failed in these obligations by : Repeatedly closing my disputes without addressing the payment evidence provided. 

Continuing to report the account as closed in XXXX, despite verifiable proof of payments afterward. 

Refusing to accurately update my file, which is materially damaging my credit report. 


Requested Action Immediately reinvestigate this account with XXXXXXXX XXXX. 

Correct my credit file to reflect accurate payment history, including payments made after XX/XX/XXXX. 

Provide me with the method of verification used in your previous investigation. 

Confirm correction in writing. 


If this matter is not corrected within the timelines required by the FCRA, I am prepared to pursue further action, including escalation with the Consumer Financial Protection Bureau, Federal Trade Commission, and State Attorney Generals Office.

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 2025-09-03 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: AZ

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind 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 explanation
Consumer complaint received 2025-09-03 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 discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Based on the information you provided, our records indicate your personal information was impacted by this incident. 
For Assisted Identity Restoration Services, please call Experian at XXXX and provide engagement number XXXX Fraudulent Charges to My name under Credit Card Company or Organization : XXXX XXXX Date fraud began : Date that I discovered it : XX/XX/year> Total fraudulent amount : {$10000.00} Fraudulent Charges to My name under Credit Card Company or Organization : JPMCB Date fraud began : Date that I discovered it : XX/XX/year> Total fraudulent amount : {$1900.00} Fraudulent Charges to My Name under Credit Card Company or Organization : JPMCB CARD Date fraud began : Date that I discovered it : XX/XX/year> Total fraudulent amount : {$9100.00} Fraudulent Charges to My name under Credit Card Company or Organization : XXXX XXXX Date fraud began : Date that I discovered it : XX/XX/year> Total fraudulent Amount : {$2200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: LEXISNEXIS
State: SC

Complaint narrative:
LEXIS NEXIS XXXX XXXX XXXX XXXX XXXX XXXX Subject : Immediate Removal Of Innaccurate Derogatory items from my credit report! 
To who it may concern, This letter serves as my formal demand for the immediate removal of inaccurate and derogatory items currently appearing on my consumer credit report.

After reviewing my file, I found accounts, addresses, email addresses and phone numbers that do not belong to me and were never authorized. These items are inncorrect and causing unnecessary harm to my credit profile. I am not requesting for your help. I am demanding action in accordance with your legal obligations under the FCRA, 15 U.S.C. 1681 et seq. 

I am demanding that you provide full verifiable documentation for each of the disputed accounts listed in exhibit A, including original contracts bearing my signature. These are not my debts, emails, phone numbers or addresses. Please delete them from my file asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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: FL

Complaint narrative:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me. 

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within four business days. ON These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: FL

Complaint narrative:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me. 

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within four business days. ON These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent information.

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 2025-09-03 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:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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: CA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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: MI

Complaint narrative:
On XX/XX/year>, I submitted a written dispute to Equifax regarding inaccurate reporting. Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ) ( A ), Equifax was required to investigate and provide results within 30 days. They failed to respond within the statutory timeframe, which is a direct violation of the FCRA. 

Now, in addition to failing to investigate, Equifax has effectively blocked my access to my own credit file. Despite calling customer service, verifying my identity, and having a representative open a support ticket, I still can not log in to my account. Screenshots attached show that Equifaxs system prevents me from accessing my report ( " We cant complete your request '' / " We couldnt check your report right now '' ). 

This appears to be obstruction or retaliation after I filed multiple disputes and CFPB complaints. By law, I am entitled to access my credit file and dispute inaccuracies. Equifaxs refusal to allow me access is further noncompliance with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: CA

Complaint narrative:
I'm requesting from Dept Ed XXXX, proof of student loans in addition to an agreement signed by me to sell or buy my private information for the purpose of receiving funds

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: FL

Complaint narrative:
I have charges for blitz which I didn't make XXXX which i didn't make and once for door dash that I didn't make and I tried to call them to dispute this twice but the first time I was on hold forever and never spoke to anyone and the second time they just hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA

Complaint narrative:
On or about earlier part of XX/XX/year> I contacted at this time my mortgage Co. 
SPS XXXX XXXX in regarding my account matter... during the conversation recorded I was informed that my mortgage would be sold in XX/XX/year> to another XXXX of my Loan with SPS XXXX ... During, that time of latter part on or about ; I received a letter from SPS XXXX that my mortgage will be handled by a new debtor XXXX XXXX. Shortly after, sometime in XXXX or XXXX I received a letter from XXXX that they will be my new loan XXXX ... during that time, my mortgage loan was paid up until XX/XX/year>. Thereafter, I begin to make payment to XXXX XXXX ... sometime in late XX/XX/year> ; I received an Experian Credit Alert that XXXX of my creditors reported that I have made a late payment of XXXX late. To my suprise ; SPS Services had reported that I was 30 days late. Furthermore, I contacted SPS Services in or around late XXXX or early XXXX and found out that my loan had been bought back from XXXX XXXX. And that XXXXXXXX XXXXl forwarded them my XXXX payment which was alleged not satisfied by my bank. Including, I was informed by SPS Services that this matter can be rectified if I made that a day a payment from the same account to satisfy the XXXX payment in which the payment cleared. Also, they informed me to make the XX/XX/year> payment and they would clear the 30 days late due to the transfer process in which I was never informed by XXXX XXXX who is a separate entity of SPS Services nor was I ever contacted by email, phone or letter from either party listed. And upon making the XXXX payment I should contact a XXXX and he will put in the request to remove the late payment ; which I know is obsurb in the first stance. A week later I contacted and spoken with a Supervisor XXXX employee ID # XXXX .. proceeded to tell me that he will not make a request to have the late payment removed. XXXX also said, 'that a letter was mailed to me sometime in XX/XX/year> at the address on a recorded line : XXXX XXXX XXXX XXXX XXXX MA XXXX I informed XXXX XXXX my serious fustration that he had the wrong address ; when in fact, my current address is : XXXX XXXX XXXX XXXX XXXX MA XXXX Concluding, this matter has been repeated by FCRA XXXX being in violation of my rights. In speaking with XXXX XXXX in regarding the matter of not informing me ... XXXXXXXX XXXX response; was that they no longer service this account and they removed all my information from there records. If confuses me the most, in how was my check forwarded over to SPS Services or how could they have deposited the funds written to another carrier institution. So many question ( XXXX ) of SPS XXXX action is warranted for review.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation