vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-02 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: TN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-02 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: IL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY 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 2025-05-02 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: IL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY 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 2025-05-02 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: PA

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. 
DeptedXXXX XXXX XXXXXXXX ( XXXX accounts ), DeptedXXXX XXXX XXXX XXXX ( XXXX accounts ), DeptedXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXas violated my rights.

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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 2025-05-02 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: PA

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. 
DeptedXXXX XXXX XXXXXXXX ( XXXX accounts ), DeptedXXXX XXXX XXXX XXXX ( XXXX accounts ), DeptedXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXas violated my rights.

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: IN

Complaint narrative:
Pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), I am writing to formally dispute inaccurate, incomplete, and unverifiable information appearing on my credit reports. This letter serves as official notice that I demand a complete investigation and correction of the following items :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: IN

Complaint narrative:
Pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), I am writing to formally dispute inaccurate, incomplete, and unverifiable information appearing on my credit reports. This letter serves as official notice that I demand a complete investigation and correction of the following items :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Mortgage Research Center, LLC
State: AL

Complaint narrative:
The beginning XX/XX/year>, I was given information for XXXX XXXX so I can get a lender to purchase my new home. I was dealing with XXXX XXXX whom is a residential mortgage loan XXXX. I had let her know my credit took a hit due to a loan modification and that I needed another month to get my credit number up. I gave her all my info and submitted all the necessary paperwork and she said we would do a hard pull on my credit when I told her to. XX/XX/XXXX I text her to let her know my XXXX XXXX has jumped up and I needed another week. XX/XX/XXXX I told her she can do a hard pull and she did, it shows on my credit report. I have a text from her that said it was good on her end and go find a property. I then put my current house up for sale, and got a realtor in XXXX, XXXX, XXXX hours a way to help us find a house there. I have made XXXX trips down there to look at houses. I was also sent a preapproval letter for {$260000.00}. Then on XXXX I went under contract with this house I want to purchase, which was contingent on me selling my current home. But when I went to sign the loan papers, I noticed it was a conventional loan, and she was missing my other dependent. I called XXXX on XXXX and asked her to switch it over to an FHA, and when we were talking she said there was a problem. She was looking at it and asked me to hold on and came back and said she didn't know anything about some late payments I had on my mortgage due to a loan modification. I can see that she pulled my credit file on XX/XX/year> through Experian, and those things were on my credit then. She told me I may not be able to get a mortgage and she would call me back. I have tried calling her and texting her with no response, and the realtor has also tried calling and texting her with no response. So now I am just left to fend for myself. I had to release the contract I signed on the house I was buying, and I have had to turn down XXXX showings. If this is blatant neglect of job duties, then I don't know what is. She needs to try to help, or reach out and tell us what to do. Heck even an apology to me, and my XXXX realtors or something. But nothing from her so far.

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 2025-05-02 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: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have a credit freeze and fraud alert protection on my account. I placed a thaw on my account on XX/XX/year>, for XXXX XXXX to run my credit. I never authorized Regional Acceptance to run my credit and they never reached out as proper protocol to validate as required with a credit fraud alert in place. I've tried to reach the number ( XXXX ) on my XXXX  report multiple times with no luck. XXXX, advised that I reach out to the company and obtain a report from federal trade commission. This inquire is on my account illegally and I request it be removed. 

Legal requirements : When you place a fraud alert on your credit report ( especially an initial or extended fraud alert ), any company that pulls your credit is legally required to take extra steps to verify your identity before approving a new credit application. This often means : They must contact you directly ( usually by phone or another method you choose ) to confirm that you actually applied. 

They can not approve new credit in your name without verifying it's really you. 

This extra layer of protection helps prevent identity thieves from opening new accounts in your name without your knowledge. 


XXXX  Responsibility : Review Reports for Fraud Accounts you didnt open Inquiries you didnt authorize XXXX XXXX XXXX  Dispute any inaccurate or suspicious information directly with the credit bureau XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: TN

Complaint narrative:
2 people known as XXXX XXXX, and XXXX XXXX on XX/XX/year> stole a total of {$1400.00} from Me, in a total of 4 transactions ; 1 transaction from XXXX XXXX was {$100.00}, the second was for {$800.00} ; 1 transaction from XXXX XXXX was {$100.00}, the second was for {$400.00}. I don't know who these people are, I never authorized any of these transactions, I filed a complaint 2 separate times with cash app, cash app denied both of the complaints, will You please help Me if You can

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In XXXX, I received a letter from Equifax notifying me that my personal information was leaked by their company in a data breach but since I have never monitored my credit. XXXX of XXXX, I checked my credit report and noticed a bankruptcy I never filed and also noticed credit cards inquiries and accounts I never applied for. There are 2 XXXX XXXX  credit cards ( accounts ending in XXXX and XXXX ) showing on my credit report that I did not apply for. My credit report is also showing a collection from XXXX XXXX ( account # XXXX * * * * ) and I never heard or done business with them. I also have credit inquires from 5 companies which I never applied : XXXX XXXX, XXXXXXXX XXXXk, XXXX XXXX XXXX, and XXXX from XXXX XXXX. I have contacted the credit bureaus to dispute and remove the inaccurate information and they have not been helpful.

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 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
In XXXX, I received a letter from Equifax notifying me that my personal information was leaked by their company in a data breach but since I have never monitored my credit. XXXX of XXXX, I checked my credit report and noticed a bankruptcy I never filed and also noticed credit cards inquiries and accounts I never applied for. There are 2 XXXX XXXX  credit cards ( accounts ending in XXXX and XXXX ) showing on my credit report that I did not apply for. My credit report is also showing a collection from XXXX XXXX ( account # XXXX * * * * ) and I never heard or done business with them. I also have credit inquires from 5 companies which I never applied : XXXX XXXX, XXXXXXXX XXXXk, XXXX XXXX XXXX, and XXXX from XXXX XXXX. I have contacted the credit bureaus to dispute and remove the inaccurate information and they have not been helpful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Fraud alerts were not initiated by me, and I ask for their prompt removal from my file.

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 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I am disputing a 30-day late payment reported by XXXX XXXX for XX/XX/XXXX. The credit reporting in question is factually inconsistent, as the tradeline reflects : A balance of only {$25.00}, {$0.00} past due, and OK payment status before and after the month in question. 

This reporting contradicts Metro 2 guidelines and violates my rights under the Fair Credit Reporting Act ( FCRA ) to have only accurate and verifiable information reported to credit bureaus. 



Legal Requirements for Verification : Per FCRA 1681i ( a ) and 1681s-2 ( b ), XXXX XXXX is legally obligated to conduct a reasonable investigation into my dispute and must be able to verify the accuracy of this reported late payment. Based on federal law and relevant case law ( Cushman v. TransUnion Corp., 115 F.3d 220 ( 3d Cir. 1997 ) ), this means they must be able to produce verifiable documentation supporting the claim.

At minimum, to verify a 30-day late payment, they must be able to provide : A record of the actual payment date, Account-level transaction history, System records or notes showing the account was flagged as 30 days delinquent in accordance with their own reporting policy and procedures.

If such documentation does not exist or can not be provided, then the derogatory reporting must be deleted under FCRA 1681i ( a ) ( 5 ) ( A ) and 1681s-2 ( b ) ( 1 ) ( D ). 

I am specifically requesting to review whatever documentation XXXX XXXX submits to support the alleged delinquency before any outcome is finalized. I do not concede that a billing statement alone is sufficient and reserve my right to further dispute if inadequate verification is attempted.

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 2025-05-02 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 filing this complaint due to the continued and unlawful reporting of inaccurate, incomplete, and unverifiable information on my consumer credit report by XXXX  Despite multiple prior disputes and the submission of verified documentationincluding an FTC Identity Theft Reportthis company has failed to conduct a lawful reinvestigation or correct/remove the disputed item in violation of federal law. Violations Involved : - FCRA 1681i failure to properly investigate disputed information within 30 days.

- FCRA 1681s-2 ( a ) continued reporting of information known or reasonably known to be inaccurate.

- Regulation V ( 12 CFR 1022.43 ) failure by furnisher to comply with direct dispute obligations. 

This behavior is nearly identical to the misconduct referenced in prior CFPB complaints such as : - CFPB Complaint # XXXX resulted in non-monetary relief and correction of identity theft-related errors. 
- CFPB Complaint # XXXX resulted in successful removal of unverifiable account data following a formal dispute. 

Consumer Harm and Requested Relief : As a direct result of this companys ongoing violations, I have suffered : - Inaccurate credit reporting affecting creditworthiness and financial opportunities. 
- Emotional distress and unnecessary time and effort to correct this issue. 
- Denials or unfavorable terms for financial products due to incorrect reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I am disputing a 30-day late payment reported by Capital One for XX/XX/XXXX. The credit reporting in question is factually inconsistent, as the tradeline reflects : A balance of only {$25.00}, {$0.00} past due, and OK payment status before and after the month in question. 

This reporting contradicts Metro 2 guidelines and violates my rights under the Fair Credit Reporting Act ( FCRA ) to have only accurate and verifiable information reported to credit bureaus. 



Legal Requirements for Verification : Per FCRA 1681i ( a ) and 1681s-2 ( b ), Capital One is legally obligated to conduct a reasonable investigation into my dispute and must be able to verify the accuracy of this reported late payment. Based on federal law and relevant case law ( Cushman v. TransUnion Corp., 115 F.3d 220 ( 3d Cir. 1997 ) ), this means they must be able to produce verifiable documentation supporting the claim.

At minimum, to verify a 30-day late payment, they must be able to provide : A record of the actual payment date, Account-level transaction history, System records or notes showing the account was flagged as 30 days delinquent in accordance with their own reporting policy and procedures.

If such documentation does not exist or can not be provided, then the derogatory reporting must be deleted under FCRA 1681i ( a ) ( 5 ) ( A ) and 1681s-2 ( b ) ( 1 ) ( D ).

I am specifically requesting to review whatever documentation Capital One submits to support the alleged delinquency before any outcome is finalized. I do not concede that a billing statement alone is sufficient and reserve my right to further dispute if inadequate verification is attempted.

Company response to consumer: Closed with explanation