vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: TX

Complaint narrative:
I am disputing a 30-day late payment reported on the XXXX XXXX XXXX XXXX XXXX account ending in XXXX. The late payment appears for XX/XX/year> on TransUnion and XXXX, while XXXX  shows the account as fully current. 

I made my payment on time and have no record of a delinquency. I submitted a dispute with supporting documents to the credit bureaus under my rights in the Fair Credit Reporting Act ( FCRA ).

Under 15 U.S.C. 1681i ( a ) and 1681s-2 ( b ), the bureaus and the creditor are required to verify the accuracy of the reported information. If the payment can not be verified with certified documentation, the late mark must be removed. Additionally, under 15 U.S.C. 1681e ( b ), credit bureaus must ensure that all reported data is accurate and consistent yet this account shows conflicting status across bureaus.

I request that the late payment be removed from my report unless the creditor can prove its accuracy with documentation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 explanation
Consumer complaint received 2025-07-22 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: Kriya Capital, LLC
State: IL

Complaint narrative:
This just popped up on my credit report in I want it removed I have any knowledge of what this is.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
CFPB Complaint Summary 1. What happened?

I submitted multiple disputes to LCI Experian / Equifax / TransUnion regarding inaccurate and fraudulent information on my credit report. I also provided supporting documentation, including an FTC identity theft report, police report, and proof of identity and address. Despite my request for a manual reinvestigation and a formal Method of Verification ( MOV ), the credit bureau failed to conduct a proper investigation. I also requested the removal of outdated personal information and fraudulent accounts stemming from identity theft and data breaches, but they failed to comply.

Furthermore, I filed identity theft reports and submitted them in accordance with FCRA 605B, which requires blocking of fraudulent data within 4 business days. These fraudulent accounts are still being reported, and I have not received adequate responses or verification. This agency appears to have relied on automated systems ( such as e-OSCAR ) without properly reviewing the documentation I submitted.

I continue to receive alerts regarding unauthorized changes of address and dark web exposures of my personal data, which further supports the urgency of my case.

2. What do you believe is the issue?

Credit reporting company failed to investigate a dispute Continued reporting of information that was not verified Failure to block fraudulent information after identity theft report Failure to update personal information ( address, name, etc. ) Did not provide requested Method of Verification Did not respond in a timely or complete manner

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: VA

Complaint narrative:
I had a dispute regarding a loan and subsequently stopped making payments. The lender charged off the account and sold the loan to XXXX XXXX XXXX XXXX XXXX, a collection agency. 

The collection agency and I reached a settlement agreement stating that a payment of {$7500.00} would satisfy the debt in full, with no further collection efforts. They also agreed to report the account to the credit bureaus as settled for less than the full balance. I paid the full agreed amount on XX/XX/year>, and fully complied with all terms of the settlement. 

However, when I recently applied for a loan, I discovered that the collection agency had reported the remaining loan balance as a default. This inaccurate reporting caused my XXXX XXXX to drop by XXXX points and resulted in my loan application being denied. 

Trans Union is the credit reporter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Mortgage — Conventional home 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: Mr. Cooper Group Inc.
State: MI

Complaint narrative:
Mr Cooper has failed to pay our XXXX  property taxes 3 times now. After the second to last time I was assured it was paid, but they sent the check to the wrong place and it got sent back. Rather than communicating this with me, they said nothing and instead sent us, yet another XXXX  check. Seeing as this happened before I called Mr cooper and triple checked that they were SURE this was a surplus. They told me on the phone numerous times they have checked everything and this was indeed a surplus. Well a few weeks go by and to my surprise yet another delinquent tax letter from XXXX XXXX. After constant phone calls and chats it turns out my property taxes had not been paid AGAIN. Mr. cooper has done and said nothing about this. No communication, no emails, calls nothing. I am doing all the coordinating, calling XXXX XXXX, calling Mr cooper, to make sure this gets laid, while they sit back, XXXX up and collect all the money. I profit nothing here, Im losing money and time at work trying to take care of this. This has also led to a $ XXXX increase in our mortgage to cover the deficit in our escrow they caused. This complaint is my first of many steps to make sure that this is taken care of, we are compensated, and that this doesnt happen to others.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX To Whom It May Concern, Subject : Dispute of Inaccurate and Incomplete Account Information Security Finance Account # 1972 This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.

Code 1681i, regarding inaccurate and incomplete reporting of a XXXX XXXX account on both my Equifax and TransUnion credit reports. 
Disputed Account Details : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Equifax Account # : XXXX TransUnion XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Page XXXX of XXXX ) : First Date of Delinquency : Not reported " Date this item will be removed '' : Not reported Payment History : 30 days late in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX TransUnion Credit Report ( Dated XX/XX/XXXX Page XXXX of XXXX ) : Maximum Delinquency : 30 days in XX/XX/XXXX and XX/XX/XXXX for {$150.00} Other dates and delinquencies do not match Equifax 's data Dispute Summary : This account is reported with missing critical data ( such as the first delinquency date and purge date ) on Equifax, and with inconsistent delinquency history between the two credit bureaus. This contradicts the FCRAs requirement for consumer reporting agencies to maintain complete and accurate information, and to remove obsolete negative data after seven years from the date of first delinquency, as specified in 15 U.S. Code 1681c.

Action Requested : Initiate a formal reinvestigation of this account under 15 U.S. Code 1681i Correct or delete any inconsistent and incomplete reporting Provide the correct first date of delinquency and removal date Respond with a written confirmation of the results within the 30-day period required by law I reserve the right to escalate this matter to the Consumer Financial Protection Bureau XXXX CFPB ) and pursue all remedies available under the law, including statutory damages for failure to maintain accurate records. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: NV

Complaint narrative:
Recently | looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate XXXX account ( 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 2025-07-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
XX/XX/year> a hard inquiry was made on my credit to open a Capital One/Cabela credit card without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: MD

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 2025-07-23 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 writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNT AND HARD INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. In addition, I request the immediate removal of the following fraudulent ACCOUNT AND HARD INQUIRIES from my credit report. 

ACCOUNT : 1 ) XXXX XXXX XXXX HARD INQUIRIES : XXXX ) XXXX XXXX XX/XX/year> XXXX ) XXXX XXXX XXXX XX/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 non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: GA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights6 under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process. 

.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX XXXX XX/XX/XXXX To Whom It May Concern, Subject : Formal Dispute of Account XXXX XXXX XXXX XXXX XXXX Violation of 15 U.S. Code 1681i I am writing to formally dispute the reporting of an account from XXXX XXXX XXXX XXXX XXXX that appears on both my Equifax and XXXX  credit reports. The information being reported is inconsistent, outdated, and potentially misleading, in violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) which requires consumer reporting agencies to ensure accuracy and conduct a proper reinvestigation when errors are identified. 
Account in Dispute : Creditor : XXXX XXXX XXXX XXXX XXXX Equifax Account # : XXXX TransUnion Account # : XXXX Equifax Report ( Dated XX/XX/XXXX Pages XXXX of XXXX ) : First date of delinquency : XX/XX/XXXX Payment history : 30 days delinquent in XX/XX/XXXX TransUnion Report ( Dated XX/XX/XXXX Pages XXXX of XXXX ) : Payment received : {$0.00} Last payment made : XX/XX/XXXX Payment history : OK status from XX/XX/XXXX through XX/XX/XXXX Dispute Summary : These XXXX major credit bureaus are reporting conflicting information regarding the same account, which has affected my credit standing. TransUnion reports an OK status through XX/XX/XXXX, while Equifax reflects a delinquency beginning the same month. The last activity occurred over XXXX years ago, and the payment history is now stale and inconsistent, potentially violating the credit reporting time limits outlined in 15 U.S. Code 1681c. 
Action Requested : Conduct a full reinvestigation of this account with the furnisher ( All South FCU ) Correct or delete any inconsistent, inaccurate, or outdated entries Provide written confirmation of the results within 30 days as required by law If this matter is not resolved in a timely and lawful manner, I reserve the right to escalate to the Consumer Financial Protection Bureau ( CFPB ) and pursue legal remedies as provided under the FCRA. 
Thank you for your prompt attention to this matter. 
Sincerely, 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 2025-07-22 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 requesting your help in launching an investigation regarding these accounts, which are currently being misreported on my credit report. Under the provisions of USC 1681g, I am formally seeking their removal within 15 days. All relevant supporting documents are attached for your evaluation. It is also important to note that these accounts are being reported differently and inaccurately by each credit bureas.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: PA

Complaint narrative:
I am filing this complaint because Experian is violating my rights under the Fair Credit Reporting Act ( FCRA ) by re-adding late payments to XXXX accounts on my credit report after they were already removed by request of the original creditor. 

The creditor officially requested the removal of the late payments from my credit report. Experian initially complied and removed the negative information. However, without any new authorization or valid reason, Experian later reinserted the late payment data. 

Name Account : XXXX  XXXX Account number : XXXX Name Account : XXXX  XXXX Account number : XXXX This is a direct violation of multiple sections of the FCRA : 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) If a credit bureau reinserts previously deleted information, it must notify the consumer in writing within XXXX business days and provide the furnishers certification that the information is accurate. I was never notified, nor was any certification provided. 
15 U.S.C. 1681e ( b ) Credit bureaus must maintain reasonable procedures to assure maximum possible accuracy. Re-adding removed and disputed data without verifying its accuracy is a clear failure of this duty.

15 U.S.C. 1681n and 1681o Willful or negligent violations of the FCRA entitle the consumer to damages, legal fees, and other remedies. 

I have contacted the creditor again, and they confirmed that they instructed Experian to remove the late payments and did not authorize them to reappear. I am now requesting that the CFPB take action to hold Experian accountable and ensure the removal of this inaccurate and unauthorized information.

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