vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are collection accounts listed on my report that I believe contain incorrect information Under 15 USC 1681e ( b ) and 15 USC 1681i I am entitled to an accurate credit report I am requesting a review of these entries and if they can not be verified as accurate they should 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 2025-08-07 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: 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 explanation
Consumer complaint received 2025-08-07 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: WI

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint Regarding Systemic Credit Reporting Violations Consumer : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX  WI XXXX Date : [ Insert Date of Submission ] Dear CFPB Officer, I am filing this complaint against the following entities for ongoing violations of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and Metro 2 data furnishing standards : Entities Involved XXXX XXXX  TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Summary of Violations : 1. Failure to conduct a reasonable reinvestigation per 15 U.S.C. 1681i.

2. Reporting unverifiable accounts without providing documentation.

3. Continued reporting after dispute with no proof of validation.

4. Reporting charge-offs with {$0.00} balances in violation of Metro 2 .

5. Duplicate and conflicting entries from the same furnishers.

6. Reporting of late payments on secured or credit-builder loans.

7. Inaccurate dispute resolution notation removal ( violates 1681i ( c ) ).

8. Use of automated ACDV e-OSCAR system without human oversight. 

Relevant Case Law 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 Despite multiple disputes, the above-listed furnishers and CRAs have failed to provide adequate verification and continue to damage my creditworthiness based on unverifiable or misreported data. 

Please contact me for any additional documentation. Thank you for your time and attention. 

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 non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Fay Servicing, LLC
State: MT

Complaint narrative:
Since day XXXX ( XX/XX/year> ) my loan was sold to Fay servicing from XXXX XXXX I received nothing but deceit and lies when attempting to contact and speak with Fay Servicing. Fay servicing has purposely invested the supposed XXXX XXXX XXXX  XXXX XXXX  to make it as difficult as possible to communicate. This was obviously a friend of XXXX XXXX XXXX who designed their system. For XXXX XXXX XXXX  I could certainly build a XXXX times user friendly without multiple urls and websites. These websites were purposely designed by Fay to Discourage the user. I speak to having worked in the website design business for over XXXX XXXX. I have over {$130000.00} in equity in my home and Fay Servicing is trying to steal by foreclosing on my home. Its been nothing but consistent vague communication and flat out lies by Fay servicing and their agents. I have supporting documents and I'm sure recorded phone calls of Fay servicing insisting that they are working with Montana 's XXXX program. I received an e-mail from the state of Montana threatening to deny because the servicer is not responding/ or even cooperating with the State of Montana XXXX Correspondence will be attached. In the latest the Fay has still has not provided the necessary reinstatement document to the state of Montana or my self. Only sending a screen shot with missing information, not an actual pdf document. This is absolutely ridiculous and has been going on for months. Causing undue stress to me and my XXXX wife,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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:
I am submitting a follow up complaint to notify you that I am a victim of identity theft. I recently discovered that erroneous activity has occurred using my personal information without my knowledge or consent. The information below details the accounts/inquiries I am disputing.I am requesting that you immediately investigate this matter and remove all fraudulent information from my credit report and/or records associated with my name and Social Security numberXXXX 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/year>

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 2025-08-07 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: WI

Complaint narrative:
Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Formal Complaint Regarding Systemic Credit Reporting Violations Consumer : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, WI XXXX Date : XX/XX/year> Dear CFPB Officer, I am filing this complaint against the following entities for ongoing violations of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and Metro 2 data furnishing standards : Entities Involved : XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Summary of Violations : 1. Failure to conduct a reasonable reinvestigation per 15 U.S.C. 1681i.

2. Reporting unverifiable accounts without providing documentation.

3. Continued reporting after dispute with no proof of validation.

4. Reporting charge-offs with {$0.00} balances in violation of Metro 2 .

5. Duplicate and conflicting entries from the same furnishers.

6. Reporting of late payments on secured or credit-builder loans.

7. Inaccurate dispute resolution notation removal ( violates 1681i ( c ) ).

8. Use of automated ACDV e-OSCAR system without human oversight.

Relevant Case Law : 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 XXXXXXXX XXXX ) XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX Despite multiple disputes, the above-listed furnishers and CRAs have failed to provide adequate verification and continue to damage my creditworthiness based on unverifiable or misreported data. 

Please contact me for any additional documentation. Thank you for your time and attention. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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 am submitting a follow up complaint to notify you that I am a victim of identity theft. I recently discovered that erroneous activity has occurred using my personal information without my knowledge or consent. The information below details the accounts/inquiries I am disputing.I am requesting that you immediately investigate this matter and remove all fraudulent information from my credit report and/or records associated with my name and Social Security numberXXXX 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/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting a follow up complaint to notify you that I am a victim of identity theft. I recently discovered that erroneous activity has occurred using my personal information without my knowledge or consent. The information below details the accounts/inquiries I am disputing.I am requesting that you immediately investigate this matter and remove all fraudulent information from my credit report and/or records associated with my name and Social Security numberXXXX 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/year>

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 2025-08-07 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: Experian Information Solutions 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 explanation
Consumer complaint received 2025-08-07 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: IL

Complaint narrative:
I am filing this complaint because XXXX XXXX is inaccurately reporting a collection account on my Equifax credit report. The account is listed as an " Open '' debt buyer account with monthly payments of {$230.00}, even though it is clearly a collection account.

This information is misleading and harmful for the following reasons : Collection accounts should be reported as closed, not open.

No scheduled monthly payments should be listed on a collection, especially when no payments have been made.

Reporting it this way falsely inflates my monthly obligations and negatively impacts my credit profile.

This violates the Fair Credit Reporting Act ( FCRA ), which requires that data be accurate and not misleading. 


I previously disputed this with Equifax, but the account was " verified as accurate '' without correcting the account type or payment structure. The account still appears as : Type of Account : Open Type of Loan : Debt Buyer Account Scheduled Payment Amount : {$230.00} Actual Payment Amount : {$230.00} Status : Collection Account This reporting inaccurately implies that I am making monthly payments on an open loan, which I am not. The account is in collections and no payments are being made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: IL

Complaint narrative:
I am filing this complaint because Jefferson Capital is inaccurately reporting a collection account on my XXXX  credit report. The account is listed as an " Open '' debt buyer account with monthly payments of {$230.00}, even though it is clearly a collection account. 

This information is misleading and harmful for the following reasons : Collection accounts should be reported as closed, not open. 

No scheduled monthly payments should be listed on a collection, especially when no payments have been made. 

Reporting it this way falsely inflates my monthly obligations and negatively impacts my credit profile. 

This violates the Fair Credit Reporting Act ( FCRA ), which requires that data be accurate and not misleading. 


I previously disputed this with Equifax, but the account was " verified as accurate '' without correcting the account type or payment structure. The account still appears as : Type of Account : Open Type of Loan : Debt Buyer Account Scheduled Payment Amount : {$230.00} Actual Payment Amount : {$230.00} Status : Collection Account This reporting inaccurately implies that I am making monthly payments on an open loan, which I am not. The account is in collections and no payments are being made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: 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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: TX

Complaint narrative:
I am filing this formal complaint to dispute inaccurate, unverifiable, and potentially unlawful late payment entries currently appearing on my Experian credit report. These entries were submitted by XXXX or more furnishers and appear to violate the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681a ( 2 ), as well as the broader requirements of 15 U.S.C. 1681e ( b ) and 1681i. This section of the law clarifies that information disclosed solely for employment, insurance, or governmental licensing purposes does not constitute a consumer report. More importantly, the FCRA mandates that all items reported on a consumer credit file must be factually accurate, fully verifiable, timely, and lawfully reportable. I have reason to believe these standards have not been met in the reporting of the following accounts : XXXX XXXX XXXX late payments reported XXXX through XX/XX/XXXX XXXX XXXX  XXXX late payment reported XX/XX/XXXX XXXX XXXX late payment XXXX XX/XX/XXXX XXXX XXXX late payment reported XX/XX/XXXX XXXX XXXX XXXX late payment reported XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX late payment reported XX/XX/XXXX I did not receive proper notice of these alleged delinquencies, nor do I acknowledge their accuracy. Some of these accounts may have been in deferment, under hardship accommodations, or otherwise exempt from late reporting under applicable consumer protection guidelines. 
Accordingly, I am requesting the CFPB take the following actions : XXXX. Launch a full investigation into these specific entries and the furnishers who reported them ; XXXX. Require Experian and the furnishers to provide complete documentation supporting the accuracy and legal permissibility of these entries including original account agreements, full payment history, and any applicable deferment or hardship documentation ; XXXX. Ensure that any account that can not be verified with original source documents and confirmed to be lawfully reportable is permanently deleted from my Experian file, per 15 U.S.C. 1681i ( a ) ( 5 ) ; 4. Provide the method of verification and the contact information of the party that verified the information, as required under the law. 
If these entries are found to be inaccurate, incomplete, or unverifiable, they must be removed without delay. Continued reporting of erroneous data causes ongoing damage to my credit profile and constitutes a direct violation of my rights as a consumer. 
Please confirm receipt of this complaint and notify me of the steps taken to investigate and resolve 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 2025-08-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am issuing this formal and final demand for the immediate deletion of all fraudulent and unauthorized accounts, inquiries, and public records from my credit file. These items are the result of identity theft, and I have never consented to or opened the accounts in question. This matter has been reported to the Federal Trade Commission, and I have attached my Identity Theft Report as required by law. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and REMOVE all fraudulent information within FOUR ( 4 ) BUSINESS DAYS of receiving this notice and the supporting documents.Any delay, negligence, or continued reporting of this false information will be treated as willful noncompliance and a blatant violation of federal law. Be advised that I will pursue legal action under FCRA 616 and 617 for damages and statutory penalties.This is your final warning. Remove all fraudulent data immediately or face the legal consequences.

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 2025-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I opened a business checking account with Chase with a promotional coupon for {$300.00}. After 90 days chase didn't provide me with the promotional reward, so I called Chase, and they said that no coupon was applied to my account. I closed my business checking account, waited 90 days and opened another business checking account with a new coupon code for {$750.00}. When I checked my promotional bonus reward on the Chase website, it reflected a {$500.00} bonus. I called Chase about the incorrect bonus, and they said that I had to go to the local branch. I went to the local branch, and they said that they didn't know how to fix the bonus. I called to Chase again, and they said to go the local branch again, but I said that the local branch didn't know how to fix the bonus code. Then Chase Customer Service advised me to wait 60 days, and my bonus would be deposited automatically. The thing is that I don't believe that it's gon na happen, as every Chase business banking supervisor tells me different things, like one said that I need to call in a few days, and they would be able to create a case, the second one said that they can not create a case, and I need to call again to a different supervisor, the third one said that the correct bonus would apply automatically in 60 days, and I'm suffering with anxiety that Chase is taking advantage on my mental state. When I called to Chase Customer Service, they found my coupon, but they said that it didn't apply to my account promotion. They also sent my first ATM card to the wrong address, as it was not delivered on time, so I requested a new ATM card, and they sent me a new card ending on XXXX, and I'm very superstitious, so I'm afraid to use that card.

Company response to consumer: Closed with explanation