vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-16 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: 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: FIRST ADVANTAGE CORPORATION
State: TX

Complaint narrative:
i never lived here this is blatant id theft. i called the apartment XX/XX/year> the day i found out they said they are under new management and to file a dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
Dispute of Unauthorized Tip Charge Request for Assistance Dear CFPB Representative, I am writing to request your assistance regarding a dispute with my credit card issuer concerning an unauthorized tip charge made by XXXX at XXXX XXXX in XXXX , D.C. 

On XX/XX/year>2025, I dined at XXXX at XXXX XXXX. On XX/XX/year>2025, I noticed that my card had been charged an additional tip amount that I did not authorize ( {$37.00} ). I did not leave any tip on the receiptneither on my copy nor on the merchants copybecause I received no service during the dinner. In fact, I became physically ill after the meal on my way home. Nevertheless, I honored the cost of the food and paid the original bill total. 

On XX/XX/year>2025, I opened a dispute with my bank after receiving an email from them notifying me of the extra tip charge. On XX/XX/scrub> 2025, the bank ruled that I was responsible for the charge, based solely on the merchants claim that a 20 % tip was mandatory. 

On XX/XX/year>2025, I submitted additional documentation to my bank, including : A photo of my original signed receipt, showing no tip was entered ; A photo of the merchants copy of the receipt, also showing no tip added ; A timeline of the dispute and evidence of my communications with the restaurant. 

Despite this, the bank still ruled in favor of the merchant. 

On XX/XX/year>2025, I submitted further proof that XXXX at XXXX XXXX website and reservation system do not state or display any mandatory gratuity policy. The bank, however, upheld their decision based on the merchants unverified claim. 

To make matters worse, I received a malicious and unprofessional email from the restaurants server on XX/XX/scrub> 2025, in which I was falsely accused of committing credit fraud, threatened with a ban from the restaurant, and insulted. I believe this communication was meant to intimidate me for filing a legitimate dispute. 

All I am asking for is a refund of the unauthorized tip charge, which I never agreed to or signed for. I have done my due diligence and provided all documentation requested in a timely manner. I am disappointed that my bank appears to have disregarded the facts in favor of the merchant 's unsupported statements. 

I respectfully ask for your assistance in reviewing this matter. I would be happy to provide any of the documents referenced above as part of your investigation. 

Thank you for your time and support.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-16 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:
This is a formal dispute of a collection account reported to my credit file without my knowledge, consent, or legal obligation.

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 2025-07-16 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: GA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : BANKCRUPTCY - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX XXXXXXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX XXXXXXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} INQUIRIES XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX : XX/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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Im used to my credit score being XXXX. 

( XXXX XXXX XXXX XXXX XXXX ) XX/XX/year> Is showing delinquent when the account was settled and paid in full. Is not reflecting accurate information & hurting my credit score and needs to be removed or corrected ( XXXX XXXX XXXX XXXX ) XXXX XXXX Is showing delinquent when the account was settled and paid in full. Also hurting my credit score. The information is inaccurate and needs to be removed or corrected ( XXXX XXXX ) XXXX XXXX is showing as a collection. The account was settled and paid in full. The information on my credit is inaccurate and hurting my score. It needs to be removed or corrected ( XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX After returning the vehicle and it being resold the debt was paid. The account has been closed. However, under 15usc 16 92c. I refused to pay this remaining debt, and they did not cease all communication. The information is inaccurate and hurting my credit and need to 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 2025-07-16 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:
I am writing to formally dispute and file a complaint regarding late payment remarks that appear on my credit reports. After reviewing my credit files from TransUnion, Experian, and Equifax, I discovered XXXX or more accounts reporting late payments that I believe to be inaccurate, outdated, or unverified. 

These remarks are negatively affecting my credit standing and do not accurately reflect my payment history. Some of the reported late payments were made on time, while others were the result of temporary financial hardship, which I have since resolved. Additionally, certain accounts show inconsistencies in reporting across different credit bureaus. 

Under the Fair Credit Reporting Act ( FCRA ) XXXX and XXXX, I have the right to dispute any information on my credit report that is inaccurate, incomplete, or unverifiable. Creditors and bureaus must ensure that the information they report is both accurate and timely. Failure to maintain accurate reporting violates federal law. 

I request that you investigate and remove the late payment remarks from my credit report immediately. Please provide written confirmation of your investigation and an updated copy of my credit report reflecting the correction.

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 2025-07-16 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: TX

Complaint narrative:
I am writing to formally dispute and file a complaint regarding late payment remarks that appear on my credit reports. After reviewing my credit files from TransUnion, Experian, and Equifax, I discovered XXXX or more accounts reporting late payments that I believe to be inaccurate, outdated, or unverified. 

These remarks are negatively affecting my credit standing and do not accurately reflect my payment history. Some of the reported late payments were made on time, while others were the result of temporary financial hardship, which I have since resolved. Additionally, certain accounts show inconsistencies in reporting across different credit bureaus. 

Under the Fair Credit Reporting Act ( FCRA ) XXXX and XXXX, I have the right to dispute any information on my credit report that is inaccurate, incomplete, or unverifiable. Creditors and bureaus must ensure that the information they report is both accurate and timely. Failure to maintain accurate reporting violates federal law. 

I request that you investigate and remove the late payment remarks from my credit report immediately. Please provide written confirmation of your investigation and an updated copy of my credit report reflecting the correction.

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 2025-07-16 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: NC

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the XXXX data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

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 2025-07-16 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: PA

Complaint narrative:
After carefully reviewing my credit report, I see that there is an account reporting that is not mine. I do not have any knowledge of this account, nor did I authorize the opening of the account. I have been informed by Equifax that my personal information ( date of birth, phone number, email address, physical address, as well as social security number ) has been exposed in a data breach in 2017 and since that my credit has been impacted negatively. The account that has to be removed is below : Creditor : XXXX XXXX XXXX Account Number ( partial ) : XXXX XXXX XXXX XXXX XXXX  Status : Frequently Opened/ Fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: NY

Complaint narrative:
XX/XX/XXXX Subject : Dispute of Unauthorized Hard Credit Inquiries in Violation of the FCRA Dear CFPB, I am writing to formally dispute XXXX unauthorized hard inquiries that have appeared on my credit report. I did not apply for credit nor authorize any inquiry from the following companies : XXXX  XXXX ( Finance ) XX/XX/year> XXXX ( Finance ) XX/XX/year> Under the Fair Credit Reporting Act ( FCRA ), a credit reporting agency may only furnish a consumer report to a person or organization with a permissible purpose, as defined under 15 U.S. Code 1681b. Specifically, a hard inquiry related to a credit transaction must be initiated by the consumer or with the consumers permission. I never gave such authorization to either entity. 

These inquiries were not made with my consent and therefore violate my rights under 15 U.S.C. 1681b ( c ) and potentially 15 U.S.C. 1681q, which makes it unlawful for anyone to obtain a consumer report under false pretenses. 

I am requesting an immediate investigation and removal of these inquiries from all versions of my credit report. I also ask that appropriate action be taken against any entity found to have made an unauthorized inquiry. 

Under the Fair Credit Reporting Act ( FCRA ), a credit reporting agency may only furnish a consumer report to a person or organization with a permissible purpose, as defined under 15 U.S. Code 1681b. Specifically, a hard inquiry related to a credit transaction must be initiated by the consumer or with the consumers permission. I never gave such authorization to either entity. 

These inquiries were not made with my consent and therefore violate my rights under 15 U.S.C. 1681b ( c ) and potentially 15 U.S.C. 1681q, which makes it unlawful for anyone to obtain a consumer report under false pretenses. 

I am requesting an immediate investigation and removal of these inquiries from all versions of my credit report. I also ask that appropriate action be taken against any entity found to have made an unauthorized inquiry. 


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 2025-07-16 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: GA

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the XXXX data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

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 2025-07-16 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:
PLEASE BLOCKED AND REMOVED. 
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-07-16 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: MI

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 non-monetary relief
Consumer complaint received 2025-07-16 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: MI

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: GA

Complaint narrative:
Ive recently discovered several late payment notations on my credit report that are completely false, and I want to make it clear that I will not tolerate these inaccuracies being used to misjudge my financial character. These harmful entries are dragging down my credit score, affecting my access to opportunities, and putting unnecessary strain on my mental and emotional health. Some of these alleged late payments were in fact made on time, while others may stem from clerical mistakes or internal processing delays that were never communicated to me. 

The Fair Credit Reporting Act requires that every piece of data on a consumer report be factually accurate and verifiable by original documentation. That means if these late payment entries can not be backed up with real, dated billing statements or signed agreements, they should not be reported at all. I am demanding that these entries be immediately corrected or removed, depending on what the documentation proves. If the credit reporting agencies or furnishers continue to ignore this matter, I will interpret that as a willful and deliberate violation of federal lawand respond accordingly. I deserve better, and I will fight until this is made right.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Selene Holdings LLC
State: SC

Complaint narrative:
In reference to CFPB case # XXXX, Selene Finance response never addressed my concerns. In my compliant, I did say that the surplus of {$1700.00} should be either refunded to me or credited to my escrow account. This is funds that I paid into the account that no representative has been able to tell me where it went. I should not have to file a complaint to find out where this surplus went. I was told many different stories on where this surplus went. I was told a check was mailed to my attorney, I was told it was used to pay legal fees, I was told they didn't know, I was even told once that the surplus went away after my bankruptcy was over and the account was current. Selene Finance response dated XX/XX/2025 explained how an escrow analysis works. They also provided escrow projection, actual and escrow history. After reviewing these documents, I still do not see where the surplus of {$1700.00} was used to pay taxes and insurance. This is my concern. Selene Finance maintain that account is being serviced in accordance with terms of the original agreement and all applicable laws and regulations. Where was the surplus of {$1700.00} used to pay insurance and taxes. They also say I can contact their office if I have additional questions. I called several times requesting to speak with a supervisor, I never received a call-back. I'm sorry, but I don't see how Selene Finance is in compliance if they can't tell me when the funds were used to pay taxes and insurance. This compliant is not about getting a refund.

Company response to consumer: Closed with explanation