vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In XXXXXXXX XXXX, my husband, who is a veteran, and I refinanced our mortgage and obtained a V.A. loan. It was immediately transferred to XXXX. Since then, we have made our payment every month and are current. However, XXXX XXXX XXXX XXXX  has sent us numerous letters claiming they hold our mortgage, and that we are in default. Their last letter dated XXXX, threatens foreclosure. Our credit reports show two mortgages each for {$230000.00}. We only have one! My husband has reported this error to Transunion, but has not received a reply. We have a current statement from XXXX clearly showing that we are current with our payments. I believe that XXXX and XXXX XXXX are sister companies. Also, some letters from XXXX XXXX are addressed only to me, while others are addressed to my husband and me. The mailing address for both companies is thew same.

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 2025-06-11 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: VA

Complaint narrative:
When I reached out to the XXXX loan company, I requested verification of the reported debt, including a copy of the original promissory note, a detailed payment history, and an explanation for the negative credit reporting. I specifically asked why my credit was affected while the loan was in forbearance. The representative informed me that my account was indeed in forbearance and that they would update my credit report to reflect this status. I was also told that my repayment would resume in XX/XX/year>. However, despite this assurance, the credit report has not been corrected, and I have not received adequate documentation to support the accuracy of the information being reported to the credit bureaus.

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 2025-06-11 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: VA

Complaint narrative:
When I reached out to the XXXX  loan company, I requested verification of the reported debt, including a copy of the original promissory note, a detailed payment history, and an explanation for the negative credit reporting. I specifically asked why my credit was affected while the loan was in forbearance. The representative informed me that my account was indeed in forbearance and that they would update my credit report to reflect this status. I was also told that my repayment would resume in XX/XX/year>. However, despite this assurance, the credit report has not been corrected, and I have not received adequate documentation to support the accuracy of the information being reported to the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: VA

Complaint narrative:
When I reached out to the student loan company, I requested verification of the reported debt, including a copy of the original promissory note, a detailed payment history, and an explanation for the negative credit reporting. I specifically asked why my credit was affected while the loan was in forbearance. The representative informed me that my account was indeed in forbearance and that they would update my credit report to reflect this status. I was also told that my repayment would resume in XX/XX/year>. However, despite this assurance, the credit report has not been corrected, and I have not received adequate documentation to support the accuracy of the information being reported to the credit bureaus.

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 2025-06-11 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: CT

Complaint narrative:
Recently I checked my credit report, and I noticed fraudulent accounts in my credit report that they hurting my ability to obtain credit.

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 2025-06-11 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: IL

Complaint narrative:
To whom it may concern, I XXXX XXXX recently obtained my credit report and noticed some hard inquiries I do not recognize I have contacted Transunion who asked me to contact creditor and or FTC Report however the companies have informed me they don't remove the hard inquiries and they sorry for the trouble that this unfortunate situation has caused. However, I am aware according to the FCRA any unauthorized hard inquiries must be removed from consumer credit reports. Thank you for your attention for this important matter. I've attached my driver 's license, SS card, and also a FTC Report for identity purposes.

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 2025-06-11 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: MD

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Experian data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in XXXX business days.

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 2025-06-11 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: MI

Complaint narrative:
My right to privacy is protected under laws enacted by Congress to safeguard consumers. By permitting unauthorized access to my financial information, you have not only breached federal statutes but have also trampled on my constitutional rights, causing undue harm and distress.

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 2025-06-11 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:
Today at XXXX XXXX I submitted a request to Experian to dispute an account the is reported wrong on my credit file. At XXXX ( only 62 minutes ) the replied with a result. They did nothing other than write me the following The account with XXXX starts with XXXX has not been changed and will remain on your credit report. 

Source : Experian Date Submitted : XX/XX/year> Report Number : XXXX Account Number : XXXX Company : XXXX Address : Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX There is no way the accurately investigated this below is proof of time I submitted and email with their completed results 62 minutes later

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 2025-06-11 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: EQUIFAX, INC.
State: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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:
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 XXXX XXXX ] Account Number : [ 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 2025-06-11 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:
XXXX XXXX XXXX XXXXXX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , 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. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: IN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , 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 : 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 XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-06-11 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: WI

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-06-11 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: FL

Complaint narrative:
XXXXXXXX XXXX XXXXXX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , 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. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 2025-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Foris DAX, Inc.
State: CA

Complaint narrative:
numerous charges to my card for items i did not receive. many were finally disputed by card snd XXXX charges for XXXX were not.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
I made a payment over the phone for my XXXX credit card under Comenity Bank in XXXX of XXXX I moved into a new apartment a few months prior and had not been able to change my address with ComenityXXXX so I was not able to see the exact amount that I owed. When I spoke to the male employee over the phone in XXXX, I explained that I had been unable to pay due to this issue and that I would like to change my address, as well as pay my amount in full. He was great to work with, and though I was willing to pay the late fee ( I was calling a day after the due date ), he said that he would remove my late fee because I had always paid on time previously and because the bills they were sending me had been returned to sender. He also said there would actually be a credit to my account following my payment, and that I could use this credit in store. The amount that I paid on this day was {$210.00}. 

After this phone call, I was under the impression that I had paid my card off in full according to the employee. I did not use my card again, and therefore had no reason to contact them about a payment. However, according to information I received in the past few weeks over the phone from XXXX, I paid an amount of {$210.00}, and the actual total I owed was {$210.00}, which left me with an owed balance of approximately {$2.00} and some change. Since this time, XXXX has added late fees, bringing my total owed to {$85.00}. 

I have now talked to XXXX different employees with Comenity, including a supervisor, and XXXX of them stated that they understood what I was saying and that it seemed to be an issue on their part and not mine. XXXX employee told me that it seemed like the person who put my payment through had probably not accounted for tax/the difference, which is why I had a leftover amount of {$2.00}. However, despite giving me this information, all three employees refused to remove the late fees and told me I was required to pay the {$85.00}. I declined. 

During my conversation with the supervisor today ( XXXX ), I requested that they cancel my credit card and send me to collections. The supervisor stated that she could cancel it, but that it would not stop my account from continuing to accrue late fees- essentially meaning that they will continue to " charge '' me even more late fees, even though I asked to be sent to collections. She also rushed off the phone, and did not provide any alternatives to sort this issue out. 

I had no reason to pay a bill and be {$2.00} short - it was my full intention and understanding that I was paying my bill in full, and I believe that this company is trying to fool me into paying them {$85.00} in late fees that should not have been accruing to begin with. I also believe that they are avoiding sending my bill to collections until they have accrued more late fees on the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ZIONS BANCORPORATION
State: AZ

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX XXXX XXXX debit card, which was stored on my XXXX account, was used without my authorization by someone who hacked into my XXXX account and purchased multiple XXXX gift cards. The hacker made XXXX separate transactions by buying gift cards, totaling in about {$890.00} stolen. Because of these fraudulent purchases, I had no money in my account. I did not authorize or make these purchases. I reported the unauthorized transactions to my bank, and they opened a fraud investigation. Initially, on XX/XX/XXXX I was refunded the full amount. However, several weeks later on XX/XX/XXXX, the bank reversed the refund and claimed the transactions were not fraudulent - despite clear evidence of account compromise. Now I am currently over {$800.00} negative in my account, and potentially having to pay overdraft fees. 
I did not receive any detailed explanation of the decision. I am currently in the process of securing my XXXX account, making a police report, opening a fraud case with XXXX, and am requesting the bank to re-open the investigation. 
My account is now negative, and I am experiencing extreme financial distress due to the reversal. I am requesting the CFPB 's assistance in having the bank properly review and resolve this matter. 
Thank you for your time.

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 monetary relief