vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-26 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: FL

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: PA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you remove the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place, I also have no knowledge of any suspects. I did not consent to, authorize nor benefit from any of the following accounts. I also did not receive any money, goods, or services as a result of identity theft. Please investigate and remove all fraudulent inaccurate accounts as I have no knowledge of any of these accounts due to the Equifax data breaches or Identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: WI

Complaint narrative:
My ssn and XXXX was exposed in a data breach with Transunion. These accounts do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-09-26 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: NJ

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

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud

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 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing this complaint because TransUnion is reporting inaccurate and unverifiable information on my credit report. On XXXX XXXX, I identified several accounts that I believe are either outdated, not mine, or can not be verified under the Fair Credit Reporting Act ( FCRA ). 

Please delete the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Personal XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX Incorrect Personal XXXX XXXX XXXX XXXX Incorrect Personal XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal I submitted a formal dispute to TransUnion requesting that these accounts be fully investigated and removed if not verified with proper documentation XXXX However, I did not receive a meaningful investigation or verification, and the inaccurate information remains on my report. 

I am requesting the CFPB 's assistance to ensure TransUnion complies with federal law, specifically sections 1681i ( reinvestigation of disputed information ) and 1681b ( permissible purpose ). My goal is to have any unverifiable, inaccurate, or unauthorized accounts permanently deleted 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 2025-09-26 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: GA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-09-26 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:
It is crucial to highlight that I have no affiliation with the specified creditors and did not approve this inquiry. Please take swift measures to eliminate it from my credit report. Thank you for promptly addressing this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account 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 2025-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Explanation of Circumstances : My name is XXXX XXXX XXXX, a XXXX  in XXXX XXXX, XXXX. I have been a customer of several XXXX XXXX, individually and for my businesses for many years and to this day, I have never had an issue with any financial institution until this month, when all of my Wells Fargo accounts, personal and business where flagged for closure. 
Despite plenty of efforts in obtaining information, or finding a resolution, Wells Fargo employees have failed to provide me with a reason for the lock/closure, or a process to seek prompt resolution. 
Every transaction that has ever been processed through any of my bank accounts, has always had a legal purpose, all funds come from legal sources and are directly related to my business transactions as a XXXX  and as XXXX XXXX XXXX. 
If the nature or legality of any of my banking transactions is being questioned, I should have the opportunity to receive specific information on the transactions or situation that triggered the closure of my accounts, as well as the opportunity to provide information supporting its legality. 

POTENTIAL ISSUE : I have been dealing with a similar situation with XXXX XXXX  that originated a week or so before the closure of my accounts with Wells Fargo. 
Upon being provided by XXXX XXXX  with an XXXX Procedure to present my request for resolution, I have been cleared of any potential negative flags, and XXXX XXXX  has now reverted their account closure decision. The XXXX XXXX  representative advised me that a letter with more details and explanation of the reversal of their closure decision will be mailed to me. However, if your institution requires further information regarding this reversal, this is the information of the agent taking care of my grievance : Case number : XXXX Agent : XXXX ( XXXX XXXX  ) Telephone No. XXXX, extension 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 2025-09-26 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX [ Todays Date ] TransUnion LLC XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Urgent Dispute of Inaccurate/Unverified Accounts Due to Data Breach To Whom It May Concern, I am writing to dispute and demand the immediate deletion of inaccurate and unverifiable negative information appearing on my credit file. I was directly impacted by the recent TransUnion data breach, which compromised my personal and financial information. Because of this breach, the accuracy and integrity of negative data reported on my file can not be trusted, and TransUnion can not verify such information to the standard required by law. 

The following accounts are disputed as inaccurate and unverifiable, and must be removed : XXXX XXXX Account # : XXXXXXXX XXXX XXXX  Balance : {$11000.00} Original Balance : {$15000.00} Opened : XX/XX/XXXX Last Payment : XX/XX/XXXX Status : Voluntary Repossession / Derogatory XXXX XXXX XXXX  Account # : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ( Closed ) Original Balance : {$120.00} Opened : XX/XX/XXXX Last Payment : XX/XX/XXXX Status : 90 Days Late / Closed XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} Original Balance : {$1200.00} Opened : XX/XX/XXXX Reported : XX/XX/XXXX Status : Collection / Charge-Off XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$680.00} Original Balance : {$680.00} Opened : XX/XX/XXXX Reported : XX/XX/XXXX Status : Collection / Charge-Off XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) Account # : XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$480.00} Original Balance : {$480.00} Opened : XX/XX/XXXX Reported : XX/XX/XXXX Status : Collection / Charge-Off Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), TransUnion is required to ensure maximum possible accuracy and to delete any information that can not be fully verified. Given the compromised state of my personal data and the unreliable nature of these accounts, they are legally deficient and must be removed immediately. 

I am demanding that these accounts and any other negative accounts be permanently deleted from my TransUnion credit file within XXXX ( XXXX ) days of receipt of this letter. Please provide written confirmation once this has been completed. 

If these items are not deleted, I will escalate by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General. I will also consider pursuing legal remedies for damages related to the data breach and the continued reporting of unverifiable negative information. 

Sincerely, XXXX 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 non-monetary relief
Consumer complaint received 2025-09-26 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:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX  XXXX Account Number : XXXX XXXX  XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account Number : XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-09-26 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
CFPB Complaint XXXX XXXX XXXX Category : Mortgage Problems with servicing / foreclosure / escrow Company : XXXX XXXX XXXX PHH Mortgage Services ( also Ocwen Loan Servicing, GMAC XXXX , XXXX XXXX XXXX  ) Property : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX > I am the homeowner and borrower on this property. 

XXXX. My original loan was with XXXX XXXX XXXX XXXX ( XXXX ) in XXXX. That loan was paid in full and a Satisfaction of Mortgage was recorded XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 


XXXX. In XXXX we refinanced with XXXX XXXX XXXX. The Servicing Disclosure listed only New Century, but GMAC XXXX  ( a GMAC/XXXX  entity ) began calling us and taking payments by phone without any valid servicing-transfer notice, as required by RESPA. Our bank statement shows a XX/XX/XXXX withdrawal of {$1100.00} to XXXX  even though no assignment of servicing was recorded. 


XXXX. Later the loan was said to be placed into XXXX  XXXX Trust, but that trust filed an SEC Form 15-15D in XXXX  to suspend reporting. No valid chain-of-title exists. A current MERS lookup shows no borrower record. 


XXXX. Servicers repeatedly reported the loan as active and delinquent on my credit reports even though the original XXXX debt was satisfied and subsequent assignments appear defective. Escrow balances, payment histories, and default fees were never reconciled. 


XXXX. In XXXX PHH/NewRez  acting as servicer with full authority for XXXX XXXX  XXXX initiated foreclosure and eviction even though neither PHH  nor the XXXX produced a valid note or assignment. I was not properly served with foreclosure notice as required under XXXX  law ( XXXX. XXXX ). 


XXXX. These actions violated RESPA ( 12 USC 2605 servicing-transfer notices ), TILA ( failure to disclose true creditor ), FCRA ( inaccurate credit reporting ), and FDCPA ( collecting a debt not owed ). 



Requested Resolution / Restitution : Immediate halt to all foreclosure or collection activity until lawful ownership is proven. 
Correction of all credit reports to remove false delinquencies and charge-offs. 
Full accounting of all payments since XXXX with refund of all misapplied funds, late-fee charges, and escrow over-charges. 
Compensation for financial loss and emotional distress caused by wrongful foreclosure attempts and years of credit damage. 
Compliance review of PHH/NewRez/Ocwen/GMAC practices to prevent recurrence. 

I respectfully request that the CFPB oversee a thorough investigation and require the companies to reimburse all unlawful charges and issue restitution for documented harm.

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 2025-09-26 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: AL

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA XXXX by continuing to report unverifiable information after multiple disputes.

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 2025-09-26 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: AL

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA XXXX by continuing to report unverifiable information after multiple disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: GA

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 explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible. This situation has become a significant source of anxiety, and I earnestly hope for a swift resolution.

Company response to consumer: Closed with non-monetary relief