vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-17 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: MI

Complaint narrative:
I am urgently requesting that XXXX remove the inaccurate delinquency from my credit report. I have always made every effort to repay my loans in good faith, including staying on top of payments through the pandemic, forbearance periods, and the ongoing student loan forgiveness discussions. 

When my previous loan servicer ( XXXX ) was shut down for defrauding borrowers, my account was transferred to XXXX. I believed my loans were still in forbearance or on autopayas they were beforeand I was never notified that payments were due. XXXX had incorrect contact information on file ( both email and physical address ), and I only learned about the delinquency on XX/XX/year>, when I received the first and only email from them saying my account was seriously delinquent. By then, they had already reported me as 123 days late, which caused my credit score to drop from XXXX to XXXX overnight. 

This has been devastating to my XXXX XXXX XXXX XXXX, especially as I just XXXX XXXX XXXX XXXX and was in the process of closing on a home. I immediately corrected my contact information and paid the account up to dateincluding paying one loan in fullbecause I am not someone who avoids responsibility. But I should not be penalized for not knowing something was due when I was never properly informed. 

I respectfully request that this mark be removed from my credit report so I can continue building my life and providing for my family.

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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am urgently requesting that XXXX remove the inaccurate delinquency from my credit report. I have always made every effort to repay my loans in good faith, including staying on top of payments through the pandemic, forbearance periods, and the ongoing student loan forgiveness discussions. 

When my previous loan servicer ( XXXX ) was shut down for defrauding borrowers, my account was transferred to XXXX. I believed my loans were still in forbearance or on autopayas they were beforeand I was never notified that payments were due. XXXX had incorrect contact information on file ( both email and physical address ), and I only learned about the delinquency on XX/XX/year>, when I received the first and only email from them saying my account was seriously delinquent. By then, they had already reported me as 123 days late, which caused my credit score to drop from XXXX to XXXX overnight. 

This has been devastating to my XXXX XXXX XXXX XXXX, especially as I just welcomed my first child and was in the process of closing on a home. I immediately corrected my contact information and paid the account up to dateincluding paying one loan in fullbecause I am not someone who avoids responsibility. But I should not be penalized for not knowing something was due when I was never properly informed. 

I respectfully request that this mark be removed from my credit report so I can continue building my life and providing for my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am urgently requesting that XXXX remove the inaccurate delinquency from my credit report. I have always made every effort to repay my loans in good faith, including staying on top of payments through the pandemic, forbearance periods, and the ongoing student loan forgiveness discussions. 

When my previous loan servicer ( XXXX ) was shut down for defrauding borrowers, my account was transferred to XXXX. I believed my loans were still in forbearance or on autopayas they were beforeand I was never notified that payments were due. XXXX had incorrect contact information on file ( both email and physical address ), and I only learned about the delinquency on XX/XX/year>, when I received the first and only email from them saying my account was seriously delinquent. By then, they had already reported me as 123 days late, which caused my credit score to drop from XXXX to XXXX overnight. 

This has been devastating to my XXXX XXXX XXXX XXXX, especially as I just XXXX XXXX XXXX XXXXd and was in the process of closing on a home. I immediately corrected my contact information and paid the account up to dateincluding paying one loan in fullbecause I am not someone who avoids responsibility. But I should not be penalized for not knowing something was due when I was never properly informed. 

I respectfully request that this mark be removed from my credit report so I can continue building my life and providing for my family.

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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am submitting this as a follow-up to my existing complaint ( Complaint ID : XXXX ) regarding inaccurate reporting by TransUnion LLC of a tradeline on my credit report.

Despite two prior formal disputes submitted to TransUnion, the inaccurate tradeline remains on my credit report. TransUnion has failed to correct or delete this erroneous information. 



On XX/XX/year>, I sent TransUnion a certified demand letter including a sworn affidavit outlining multiple inaccuracies, such as : False Last Payment Made date Incorrect Current status months after account opening without payments Missing Date of First Delinquency ( DOFD ) preventing accurate removal An estimated removal date exceeding the 7-year statutory reporting limit In this demand letter, I requested immediate deletion of the inaccurate tradeline and {$2500.00} in statutory and actual damages for TransUnions willful noncompliance with the Fair Credit Reporting Act ( FCRA ). 



TransUnion responded only with a generic email acknowledging a new dispute, ignoring the legal basis and monetary demand, and initiating a third investigation. 



I want to make clear that I am no longer requesting TransUnion to conduct an investigation or reinvestigation under FCRA 1681i because they have already conducted two investigations and failed to correct or remove the inaccurate tradeline.

Instead, I am demanding immediate deletion of the tradeline pursuant to 15 U.S.C. 1681s-2 ( b ) because the information is inaccurate and unverifiable.

Continued reporting after multiple disputes constitutes willful noncompliance under 15 U.S.C. 1681n.

TransUnions failure to delete this tradeline after repeated disputes and my formal demand letter also violates their duty to maintain accurate and complete credit information under 15 U.S.C. 1681e ( b ) and their duty to correct or delete inaccurate information promptly under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

On 7/16/2025, I sent TransUnion a formal Notice of Intent to Sue via email, providing a 7-day deadline for full resolution including tradeline deletion and a settlement offer.

I respectfully request the CFPBs assistance in ensuring that TransUnion complies with the FCRA by removing the inaccurate tradeline, compensating me for damages, and ceasing their unlawful reporting practices.

Attached are copies of : My original demand letter dated XX/XX/year> TransUnions email response ignoring my demand My Notice of Intent to Sue email sent on XX/XX/year>. 



Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: IL

Complaint narrative:
Despite my previous written requests, the following accounts continue to be reported on my credit profile without proper validation. This is a direct violation of the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ). If you are unable to provide documented proof confirming the accuracy of these accounts, they must be deleted without delay. I am prepared to escalate this matter if necessary. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}

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 2025-07-17 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:
The XXXX XXXX XXXX  XXXX Account listed on my credit report was open without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: NY

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really sick and tired of this. I'm gon na go to court.

COLLECTION ACCOUNTS NEGATIVELY REPORTING ON MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXXXXXX HARD INQUIRIES HARMING MY CREDIT SCORE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo has been giving me the runaround since XXXX, hoping I would go away. Wells Fargo cheated me, misrepresented its intentions, and committed fraud. To gain my business, we were assured twiceonce when we got the loan and a second time when we refinanced with Wells Fargothat we would not be charged a penalty. However, Wells Fargo 's loan representative misrepresented the loan terms for refinancing and early payoff, and we ended up paying nearly {$200000.00} in prepayment penalties. Wells Fargo changed the name from " prepayment penalty '' to " repricing '' since we were guaranteed not to pay a prepayment penalty. This is a ludicrous and clearly predatory and fraudulent practice. 
This needs to stop. Wells Fargo keeps claiming the case is closed, yet they can not provide any information to support this decision. I have proof and have provided the information to Wells Fargo without any success. I keep receiving calls from XXXX at the Wells Fargo Escalation Department, repeating the same information that they received my complaint and have sent me the same letter regarding their decision. And then she asks if there's anything else she can assist me with? Something needs to happen with Wells Fargo to acknowledge and rectify its wrong practices. This rat race can not continue. I feel exhausted  and saddened by everything, and it highlights how powerless one can be against Wells Fargo.

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 2025-07-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My card was cancelled against my will due to a problem with a payment. Although my original payment didn't go through, I provided a replacement payment, however it was for less than the original amount. I have never had a late payment with this card, or any other card. 

On XX/XX/year>, I was charged the annual fee of {$590.00}. My card was cancelled by Citibank on XX/XX/year>. After the card was cancelled, I requested to have my annual fee reimbursed, since I did not want to close my account, and I had paid for a 12 month period but only was able to use it for 2 months. Citibank refused to reimburse the payment.

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 2025-07-17 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:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This letter is to notify you that a collection account appearing on my credit file is fraudulent and does not belong to me. This error is causing significant financial damage and emotional 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 non-monetary relief
Consumer complaint received 2025-07-17 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:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-07-17 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: KY

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate the erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$300000.00} XXXX XXXX  XXXX Balance : {$0.00}

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 2025-07-17 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: MD

Complaint narrative:
I am requesting the permanent removal of the reported late payments for the following accounts from my credit report due to the creditors failure to provide proper notice of upcoming due dates or delinquency : XXXX XXXX Account # : XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX Account # : XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX Account # : XXXX XXXX Account # : XXXX These accounts were reported with late payments, yet I received no prior notice, billing statements, or payment reminders before the alleged delinquency. As a result, I was denied the opportunity to take corrective action, which makes the reporting incomplete and unfair under the Fair Credit Reporting Act ( FCRA ). 

If the furnishers can not provide documented proof that proper notice was sent before reporting the delinquency, then the late payments must be removed immediately. 

I am also requesting a written response confirming : That the dispute was investigated The results of the reinvestigation Whether each late payment was corrected or deleted I believe this is a fair and lawful resolution under FCRA 1681e ( b ), 1681s-2 ( a ), and 1681i ( a ).

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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
It's been a month since I lodged a complaint with these Bureaus, yet the incorrect information on my report remains unchanged. I haven't received any updates from them, except for your notice that the company responded to my complaint. How can I be sure they thoroughly looked into the inaccuracies? What measures did they take to confirm the accounts? This whole situation is quite frustrating, particularly since more than 30 days have passed since I submitted my complaint.

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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am disputing all negative items on my Equifax credit report due to a recent data breach that compromised my personal and financial information. Equifax failed to protect my consumer data and can no longer verify any negative information linked to my file. I have submitted a formal demand under the Fair Credit Reporting Act ( FCRA ) requesting that all negative items be deleted within 48 hours. I am attaching the legal dispute letter for your review.

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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint because Experian is knowingly reporting inaccurate and negative information on my credit report. On XX/XX/year>, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against Experian for systemic violations of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ), including failure to conduct thorough investigations and the reinsertion of previously deleted inaccurate data.

I submitted a dispute demanding the deletion of all negative entries on my report. I have received no adequate investigation, and Experian continues to include harmful information. This is a violation of 15 U.S.C. 1681i and 12 U.S.C. 5536 ( a ) ( 1 ) ( B ).

I demand that all negative items be immediately removed and that Experian provide a copy of my updated credit file. Failure to do so should be considered willful noncompliance with 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 2025-07-17 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: WI

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

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