vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-09 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:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. Shows charged off which should be a one time even reported to my credit profile it reported that several times and there are multiple report showing ND after the charge off date which also shows improper use of my credit report please remove this account from my credit profile 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 explanation
Consumer complaint received 2025-07-09 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: NY

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

1681c-2 ) that you, the Equifax Information Services , 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 : XXXXXXXX XXXX XXXX NY XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year>, Balance : {$3200.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: GA

Complaint narrative:
I am filing a complaint against Experian for continuing to report a XXXX XXXX collection account that does not belong to me. 

I have never had a XXXX XXXX account. I have used XXXX XXXX XXXX  exclusively since at least XXXX This account is either fraudulent or misattributed and should not be on my credit report. 

I disputed this account directly with Experian, but they failed to remove it. It is negatively impacting my credit score.

I also filed a dispute with XXXX which is still reporting the account. I have not yet disputed it with XXXX but the account does not appear on my XXXX report. 

Experian is in violation of the Fair Credit Reporting Act ( FCRA ) by continuing to report inaccurate and unverified information. 

I am requesting that the CFPB require Experian to delete this inaccurate collection account 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 2025-07-09 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: OK

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 Services , 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2025-07-09 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX  SSN : XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute Inaccurate, Conflicting, and Unverifiable Reporting RE : XXXX | Acct # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX am disputing the inaccurate reporting of the XXXX account appearing on my credit reports with XXXX Experian, XXXX XXXX 

This account contains multiple material errors and inconsistencies : XXXX. XXXX/Experian show the account as Closed and Paid but still report a 30-day late payment on a low-balance, secured line. 
XXXX XXXX reports this same account as Open and Disputed, also with a 30-day late payment, despite the account being closed elsewhere. 
3. The account balance is {$0.00} across all reports, and there is no past-due balance or current payment obligation.

These inconsistencies violate FCRA 607 ( b ), which requires all furnishers and CRAs to report with maximum possible accuracy. Further, under FCRA 611, you are required to conduct a full reinvestigation if the information is disputed which I now formally request.

Unless you can provide documented, signed verification of : - The original contract - Specific details of the late payment - Proof that the account was legally past due - Consistency across all bureaus I am demanding permanent deletion of this entry from my credit file. Inconsistent, unverifiable, and conflicting data reporting materially harms my credit standing and may constitute negligent or willful noncompliance under FCRA 616617.

You are hereby on notice. Please respond within 30 days, as required by law. 


Sincerely, 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 2025-07-09 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 Equifax Information Services XXXX 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: OK

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

1681c-2 ) that you, the Equifax Information Services , 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 XXXX XXXX XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3000.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$600.00} XXXX  - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$230.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$660.00} INQUIRIES : XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX WBATLSIMGN Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: NCB Management Services Inc.
State: NJ

Complaint narrative:
I am writing to request verification of the debt referenced above, which you claim I owe. This is not a refusal to pay but a request for information regarding your claim. I assert my right to a written validation of this debt under the laws set forth in the Fair Debt Collection Practices Act. 

Please provide the following : 1. Verification and validity of the debt, including the amount owed and calculations to substantiate the sum, as well as a breakdown of any fees, interest, or other costs added. 
2. A copy of the original signed agreement or instrument that states I agreed to pay the creditor.

3. Verification that your agency is legally permitted to collect this particular debt in my state, including licensing information.

4. The name and address of the original creditor.

5. Details of the last payment made on this account, showing any transactions related to this account. 

Please note that I request all future communication regarding this matter be conducted in writing. 

If you can not provide the requested information, I expect the collection attempt to be ceased and for this account to be removed from my credit report with any bureau to which you may have reported. 

While you are verifying this debt, I would appreciate your cooperation by halting any future collection activities. In accordance with my rights, please provide the requested documentation to help me better understand and validate your claim. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: NC

Complaint narrative:
I am formally disputing the accuracy of an account being reported on my credit file by XXXX XXXX ( Account Number : XXXX ). I have no knowledge of this account and do not recall ever opening or authorizing it. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting a full investigation into this account. If the furnisher can not provide proper documentation verifying the legitimacy of the account, I request that it be removed immediately from all credit reporting agencies. 

Please provide confirmation of the steps taken and any findings from the investigation. 

XXXX XXXX XXXX XXXX XXXX XXXX, NC 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 2025-07-09 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:
Upon checking my credit report, XXXX  has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct reasonable and accurate investigation of disputed information on my credit report, leaving inaccurate, unverifiable, and obsolete items and accounts on my credit profile unresolved. The Credit Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, reporting inaccurate and outdated information on consumer credit profiles and failing to adequately notify of dispute outcomes. These failures align with my current experience, where XXXX  has neither corrected nor removed disputed items despite the evidence I have provided with live representatives and dispute letters, causing ongoing harm to my current credit standing which ultimately has negatively impacted my livelihood. I have been denied for personal and business funding, auto loans, mortgages, and credit cards due to the negligence of XXXX. I am requesting IMMIDIATE CORRECTTIVE ACTION TO REMOVE AND AMEND of all accounts highlighted in the dispute letters that currently reflect on my credit profile for XXXX  as XXXXXXXX XXXX  inaction violates the federal law and my rights as a consumer - ALL NEGATIVE CLOSED ACCOUNTS- ALL HARD INQUIRIES- ALL OUTDATED PERSONAL INFORMATION ( old names, phone numbers, addresses, and previous employers )

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 2025-07-09 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: FL

Complaint narrative:
* * TransUnion Consumer Relations * * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Reinsertion of Positive Accounts XXXX XXXX XXXX XXXX * * Dear TransUnion, I am writing to formally request the reinsertion of several positive credit accounts that were mistakenly deleted from my credit file. These accounts reflect responsible credit history and were not disputed or requested for removal by me. Their deletion appears to have occurred in error, and I ask that they be reinserted pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section 611 ( a ) ( 5 ) ( B ), which governs reinsertion after deletion. 

The accounts affected are as follows : - * * Account-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account-XXXX XXXX XXXX XXXX XXXX XXXX Each of these accounts was in good standing and contributed positively to the accuracy of my credit profile. Their removal negatively impacts the integrity and completeness of my report and may adversely affect my creditworthiness. 

Please feel free to contact XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  to verify the status of these accounts and obtain confirmation for reinsertion. 

Kindly confirm that this request has been received and advise me on the timeline for reinvestigation and resolution. I am prepared to submit supporting documentation if necessary. 

Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: NY

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: VA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-07-09 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: OH

Complaint narrative:
Consumer Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, OH XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX Date : XX/XX/year> To : Consumer Financial Protection Bureau ( CFPB ) Subject : Violation of FCRA 1681i by Experian Failure to Respond Within 30 Days Summary of Complaint : On XX/XX/year>, I submitted a formal dispute to Experian regarding inaccurate and/or incomplete information reported in my credit file. As required by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), Experian was obligated to conduct a reasonable reinvestigation and provide the results within XXXX calendar days of receipt of the dispute. 

As of today, XX/XX/year>, XXXX calendar days have passed, and I have received no response, investigation results, or confirmation of any action taken regarding my Complaints XXXX I have not submitted any new or additional information that would justify an extension to 45 days, per FCRA . And 33 calendar days for complain XXXX. 

This is a clear violation of federal law under FCRA 1681i ( a ), and a breach of my rights as a consumer. I am now demanding : 1. Immediate deletion of the disputed information from my Experian credit report.

2. Written confirmation of compliance with this demand within 15 calendar days. 
XXXX. Notice of what action Experian will take to ensure this type of noncompliance does not recur. 

If Experian fails to act promptly, I will pursue formal complaints with the FTC, the Ohio Attorney General, and, if necessary, initiate civil litigation for willful or negligent noncompliance with FCRA.

Relief Requested : Deletion of the disputed item due to failure to respond within 30 days. 
Written confirmation of deletion. 
Record of corrective action taken.

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 2025-07-09 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: Selene Holdings LLC
State: ID

Complaint narrative:
I am submitting this complaint regarding my mortgage loan ( XXXX XXXX. XXXX ) currently serviced by Selene Finance LP. The servicing transfer to Selene has been mismanaged, causing confusion, delays, and a breakdown in communication. When I requested a loan modification and hardship review, Selene stated they can not authorize any changes because the loan is investor-owned by XXXX  ( investor code XXXX ). 

Despite repeated requests, Selene has not provided a clear process for requesting a modification or contacting the investor. I was told that no one at Selene has the authority to help me and that they " do not speak to customers '' on behalf of the investor. I asked for the correct paperwork and was instead sent a generic loan application that does not apply to my request. 

Further complicating this issue, the servicing transfer notice arrived by mail on XX/XX/year>, in an envelope postmarked XX/XX/XXXX, leaving me only XXXX business days before my payment due date on XX/XX/XXXX. This unreasonable timeframe made it nearly impossible to verify the legitimacy of the servicer, make contact with anyone of authority, or submit any requests in a timely fashion. I spent more than XXXX hours trying to reach someone by phone. When I did, I was connected to a third-party call center representative who had no ability to assist with my modification request. 

I am now requesting that the CFPB compel Selene Finance to ( 1 ) submit my modification request to XXXX as required under RESPA, ( 2 ) provide the applicable investor guidelines used to evaluate my hardship request, and ( 3 ) respond to my formal written communication. 

During this time, I am suspending all payments until a resolution is reached and a formal agreement is in place. I have not agreed to Selene or XXXX terms and do not intend to create an implied agreement by making payments under disputed conditions. I am requesting modification of the loan terms and rate, as this is a new servicer with whom I have no formal agreement or consent. 

This lack of transparency and refusal to facilitate a basic loan review is unacceptable and has caused unnecessary stress and hardship. I am seeking accountability and enforcement of my rights as a borrower. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation